Swallow’s platform allowed us to enter the UK market rapidly while keeping our pricing model flexible and adaptable to different tax and regulatory environments
Rishin PatelChief Product Officer, OpenTackling the UK market with agile embedded insurance
Open needed a powerful pricing engine to embed insurance products across the UK and re-price tens of thousands of policies swiftly. Swallow delivered the solution smoothly
3× faster launch
Integrated and live pricing achieved in under 12 weeks
10× quicker adjustments
Handled complex pricing and UK rules effortlessly
8× cheaper to operate
More cost-effective than previous legacy enterprise systems
Swallow’s platform allowed us to enter the UK market rapidly while keeping our pricing model flexible and adaptable to different tax and regulatory environments
Rishin PatelChief Product Officer, OpenOpen's Challenge
Founded in 2016 and active in Australia and NZ, Open was embedding car, home, and travel insurance into partner products. Expanding into the UK, they faced hurdles:
- Quickly onboarding new underwriters and launching UK-specific products
- Hosting pricing logic that handled endorsements, renewals, and dual distribution channels
- Adapting to UK-specific tax and regulation, all while avoiding disruption to existing operations
They needed a solution that could:
- Integrate closely with their current platform
- Manage multi-region and product logic sets
- Allow rapid deployment and adjustment by product teams
- Scale to re-price over 20,000 customers efficiently
Swallow’s Solution
Swallow delivered a self-serve, scalable pricing platform that slotted seamlessly into Open’s ecosystem. With minimal engineering effort:
With Swallow:
- Launched full product support in just 12 weeks
- Enabled split retail/wholesale pricing and thorough automated testing
- Handled endorsements, renewals, and UK tax/regulatory rules out of the box
- Removed engineering bottlenecks; product teams made changes confidently and independently
In summary
Leveraging Swallow, Open launched faster, reduced cost, and operated with greater agility. They powered their embedded insurance journey, re-pricing over 20,000 UK customers, with confidence, auditability, and full regional resilience
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