A decision framework for platforms weighing simplicity against choice.
Every platform we onboard asks the same first question: do we show our customers one insurance offer, or several? Both modes are live across our partners, and the right answer depends on three things — margin, trust and screen space.
The case for a single provider
One offer means one decision: yes or no. It's the highest-converting shape when the price is competitive and the customer's trust sits with the platform rather than the insurer brand. Flat-fee commercial terms make revenue perfectly predictable per policy.
The case for comparison
Choice converts skeptics. When customers are price-sensitive — used cars, annual renewals — seeing a licensed panel compete moves attach rates up meaningfully, and the platform earns on every sale regardless of which insurer wins.
The framework
- High-trust, time-pressed checkout (new purchase): start single provider.
- Price-sensitive or renewal traffic: comparison earns its extra screen.
- Either way, keep the fallback: a comparison journey one tap away from the single offer captures the customers who would otherwise bounce.
Switching modes is a configuration change on our side, not a rebuild — several partners run both, split by traffic source, and let the numbers decide.