Open is an Australian insurtech founded in 2016 that delivers embedded insurance solutions across car, home, and travel products.
With operations in Australia, New Zealand, and the UK, Open partners with fast-growing brands to provide seamless digital insurance experiences through their proprietary platform.
“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"
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
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 delivered a self-serve, scalable pricing platform that slotted seamlessly into Open’s ecosystem. With minimal engineering effort:
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
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
