London, 12 November 2021: As the COP26 summit in Glasgow draws to a close, property data specialists WhenFresh have announced a major extension to their climate change offering by making Ambiental’s FloodScore™ Climate data suite available via its award-winning API.
Ambiental’s FloodScore™ Climate enables the (re)insurance and banking sector to respond to the Bank of England’s regulatory requirements and also general business future-proofing. It does this by providing individual property-level flood risk scores, both for the present day and the 2050s and 2080s, based on low, medium, and high emission scenarios as defined by UKCP18 (the UK Climate Projections).
The move follows the integration of Ambiental’s FloodScore™ back in February, where each UK property is given a measure of the likelihood and severity of a flood hazard affecting it from fluvial, pluvial, and tidal sources.
The FloodScore™ Climate data provides the means for mortgage lenders, insurers, and other parties to assess current and future flood risk data for more accurate analysis of risk within existing portfolios, to meet both commercial needs and their regulatory obligations.
Rob Carling, Ambiental’s Channel Sales Manager, said: “We are pleased to extend our partnership with WhenFresh by adding our FloodScore™ Climate dataset to their highly regarded API. “The demand from the financial sector for accurate data has increased significantly over the last few years,” he continues. “We expect this trend to continue following the Bank of England’s strategic focus on climate change risks, and new legislation coming into force from April 2022 that makes it mandatory for firms to disclose climate-related financial risks and opportunities.”
Mark Cunningham, co-founder and CEO of WhenFresh adds: “It’s a great step forward for us to have Ambiental’s FloodScore™ Climate data alongside the ever-growing stable of property attribute, risk, peril, environmental, geospatial, topological, and valuation datasets we make available through the WhenFresh API.
“Our aim has always been to make best-in-class datasets such as this easily accessible to end users to remove the barriers to digital transformation – and we’re seeing a solid increase in the use of climate and environmental data among insurers, banks, and other big data users, not least for regulatory reasons.”
rating value
About WhenFresh
WhenFresh (www.WhenFresh.com) is a leading supplier of data to UK Lenders, Insurers, and other Big Data users, and provides the UK’s Residential Property ‘Data Supermarket’, which brings together over 200 proprietary, private, and public UK data sources in one place.
Via a single, simple integration, the WhenFresh API provides users with instant access over 2tn data items, including property attribute, risk, peril, topological, geospatial, environmental, climate, market, and valuations data, on a pay-as-you-go basis.
WhenFresh were awarded ‘Data Enabling Solution’ of the Year at the DataIQ Awards 2021 and feature prominently in a number of prestigious ‘Top 100’ InsurTech reports.
About Ambiental Risk Analytics
Ambiental Risk Analytics, a company of Royal HaskoningDHV, is a global specialist in environmental hazard intelligence, predictive analytics, and risk management. Ambiental provides flood forecasting systems using flood modelling techniques that support better decision-making around flood and climate risk management by predicting the location and severity of flooding, preventing damage, and protecting people, property, and assets. It is Ambiental’s belief that all people, property, and capital should be resilient to flooding and climate change risks. Ambiental was founded in 2002 and became part of Royal HaskoningDHV in 2019.
The full FinTech Global INSURTECH100 2021 has just been released – featuring WhenFresh
The FinTech Global INSURTECH100 is an annual list of 100 of the world’s most innovative InsurTech companies selected by a panel of industry experts and analysts and is described as the top 100 companies every leader in the insurance industry needs to know about as they consider and develop their digital transformation strategies and new customer propositions.
The criteria assessed by the Advisory Board and FinTech Global team include the following:
> Industry significance of the problem being solved
> Growth, in terms of capital raised, revenue and customer traction
> Innovation of technology solution
> Potential cost savings, efficiency improvement, impact on the value chain and/or revenue enhancements generated for clients
> How important is it for insurance executives to know about this company?
Mark Cunningham, WhenFresh CEO and co-Founder, stated “Since launching the WhenFresh API a couple of years ago we’ve had many major client wins, but we generally can’t shout about them as they are under NDA. Major insurers and lenders often prefer to keep us as their ‘secret weapon’! This makes our inclusion in this prestigious FinTech Global INSURTECH100 report and the other public awards & accolades we’re enjoyed lately even more important for us, especially as they are based on votes from judging panels which generally feature many of our clients! We’re very pleased and honoured to take high rank in such an innovative and talented InsurTech eco-system.”
The FinTech Global report states:
“WhenFresh is an award-winning supplier of property data and related solutions to UK Home Insurers and Mortgage Lenders. It has created the UK’s ‘Residential Property Data Supermarket’ by bringing together its own proprietary datasets with a huge range of best-in-class private & public property data sources.
Via a single, simple API integration, WhenFresh now provides users with instant access to over 2tn data items, including residential property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data, on a pay-as-you-go basis.
WhenFresh customers include leading UK home insurers, 8 of the top 10 mortgage lenders, the Bank of England and disruptive players in insurance and lending, such as Uinsure, Hiro, Twenty7Tec and MQube.
As well as supplying “raw” data ingredients, WhenFresh develops customised Apps which enable insurers and lenders to interrogate its huge data assets easily and instantly via rules-based engines, to make faster, smarter, less-risky remote decisions.”
Congratulations to all the insurtech innovators featured in this influencial report, which can be downloaded for free here: FinTech Global INSURTECH100
To find out more about WhenFresh, try the new “Mini-Demo” below to see a selection of some of the residential property data items that leading Insurers & Mortgage Lenders most commonly call from the WhenFresh API to support their automated decisioning. WhenFresh are able to supply these data items and many, many more for virtually every residential property in the UK.
To find out more about the property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.
Congratulations to all DataIQ Awards 2021 winners & finalists!
The team here at WhenFresh are enormously pleased and proud to have won the Data Enabling Solution of the Year at the prestigious DataIQ Awards 2021!
The great and the good of the data industry dusted down their long-unused black ties and posh frocks for the lavish “in person” gala dinner on 30th September 2021, at 8 Northumberland Avenue, London.
The DataIQ Awards honours both companies and individuals that have demonstrated excellence in the data industry over the past 12 months. Now in its 9th year, there were 26 awards across five focus areas recognising great work, people and teams. WhenFresh had been named as one of 5 finalists in the “Innovation: Data Enabling Solution of the Year” (Data Enabler) category and the illustrious cross-industry panel of judges – including senior representatives from Lloyds of London, Aviva, AXA PPP, Santander and Natwest, among others – were sufficiently impressed to select WhenFresh as winners.
WhenFresh CEO & Co-Founder, Mark Cunningham (pictured below, receiving the award), says: “A huge thanks to DataIQ and of course to the esteemed panel of Judges! It’s always great to have your work publicly recognised by your customers and peers, so I’m delighted to accept this innovation award on behalf of the hugely smart & talented WhenFresh team. I’d also like to congratulate all the other winners and finalists – we’re in truly exalted company!”
WhenFresh are UK Property data specialists providing a vast range of insurance data for virtually every residential property. WhenFresh is the UK’s fastest growing property Data-as-a-Service (DaaS) company, combining over 200 proprietary, private and public UK data-sets with advanced analytics and easy API access.
Find out more here about the winners and finalists at the Data IQ Awards 2021
To find out more about WhenFresh, try the new “Mini-Demo” below to see a selection of some of the residential property data items that leading Insurers & Mortgage Lenders most commonly call from the WhenFresh API to support their automated decisioning. WhenFresh are able to supply these data items and many, many more for virtually every residential property in the UK.
To find out more about the property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.
The full Future50 Europe report is now available for download
Selected from thousands of contenders, WhenFresh are proud to have been selected as one of the Insurtech Insights and Sønr Future50 Europe – the industry’s definitive ranking of the insurtechs shaping the insurance landscape.
This award is a culmination of months of work by Insurtech Insights and Sønr, in researching and rating the most impressive insurtechs in the industry. Thousands of insurtechs were whittled down to a shortlist of over 300, before the final Future50 were selected by a panel of over 20 C-level judges, making Future50 the world’s most credible ranking of up-and-coming insurtechs.
WhenFresh are described in the report as: “UK Property data specialists providing a vast range of insurance data for virtually every residential property. WhenFresh is the UK’s fastest growing property Data-as-a-Service (DaaS) company, combining over 200 proprietary, private and public UK data-sets with advanced analytics.”
Congratulations to all the insurtech innovators featured in Future50 Europe, which can be downloaded for free here: Insurtech Insights FUTURE50 Europe download
To find out more about WhenFresh, try the new “Mini-Demo” below to see a selection of some of the residential property data items that leading Insurers & Mortgage Lenders most commonly call from the WhenFresh API to support their automated decisioning. WhenFresh are able to supply these data items and many, many more for virtually every residential property in the UK.
To find out more about the property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.
London, 6 August 2021: WhenFresh has teamed up with tree mapping specialists Bluesky to make its National Tree Map™ (NTM™) data available to insurers and other Big Data users, via the UK’s property ‘Data Supermarket’, the WhenFresh API, to address one of UK residential properties’ most significant risks.
For insurers and mortgage lenders, the proximity of trees to a property, and their size, has significant implications to the risk of subsidence. This is both in terms of draining the soil of water in hot, dry weather, and tree roots undermining the foundations of a property – particularly when considered in combination with soil type.
Yet, despite its importance, this data combination has not been readily available to the market.
Bluesky’s NTM™ is the most detailed dataset of its kind ever produced, covering the whole of England, Wales, Scotland, and the Republic of Ireland. NTM™ provides a unique, comprehensive database of location, height, and canopy/crown extents for trees 3m and above in height, which has obvious applications in property insurance, subsidence risk assessment, and mortgage lending, as well as for utilities, 5G, forestry, government, planning, and environmental management.
Rachel Tidmarsh, Bluesky International’s Managing Director, said: “Teaming up with market-leader WhenFresh enables us to provide insurers and lenders with more granular property-level data than ever before, enabling risk and pricing teams to make better decisions for new policies and the means to re-evaluate subsidence risk to existing policy portfolios and take action as needed.”
Mark Cunningham, WhenFresh CEO and co-Founder, states: “Alongside our core proprietary data, we continue to bring together ‘best-in-class’ property-related data assets as the basis for providing tailor-made solutions to empower insurers, lenders, and other Big Data users to make better, faster, and less risky decisions.
“The National Tree Map™ is a truly astonishing piece of work and we’re thrilled to welcome Bluesky to our ever-expanding family of data partners. Making the National Tree Map™ data easily accessible to our existing and potential customers via the WhenFresh API is another great step forward.”
WhenFresh is a leading supplier of property attribute, risk, peril, environmental, geospatial, valuations, market and climate data, and related solutions, primarily to UK home insurers and banks, combining hundreds of proprietary, private, and public data sources in a single place.
Try the new WhenFresh “Mini-Demo” below to see a selection of some of the residential property data items that leading Mortgage Lenders and Insurers most commonly call from the WhenFresh API to support their automated decisioning. WhenFresh are able to supply these data items and many, many more – including the National Tree Map™ data – for virtually every residential property in the UK.
To find out more about the property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.
DATA ENABLING SOLUTION OF THE YEAR.
The team here are delighted that WhenFresh has been shortlisted for the prestigious DataIQ Awards 2021 Innovation stream, as 1 of 5 finalists for the DATA ENABLING SOLUTION OF THE YEAR award.
Our entry relates specifically to the WhenFresh API “Residential Property Data Supermarket” and the automated decisioning solutions we create for leading UK Mortgage Lenders & Insurers.
Congratulations to all fellow finalists and we look forward to the big event on 30th September when the winners will be revealed! Please visit DataIQ for event details.
Try the new “Mini-Demo” below to see a selection of some of the residential property data items that leading Mortgage Lenders and Insurers most commonly call from the WhenFresh API to support their automated decisioning. WhenFresh are able to supply these data items and many, many more for virtually every residential property in the UK.
To find out more about the property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.
Leading mortgage technology provider Twenty7Tec today announces that it has integrated with WhenFresh, the UK’s leading provider of residential property data, enabling users of CloudTwenty7 to access property attribute data and valuations as part of the mortgage sourcing journey.
WhenFresh brings together over 200 proprietary, private and public datasets in one place to form the UK’s residential property “data supermarket”, covering virtually every property in the UK. WhenFresh data is used by 8 of the top 10 high street banks, the Bank of England and many leading insurers.
Property data from WhenFresh can now be automatically populated into the CloudTwenty7 platform. The data available includes property type, property style, property tenure, years left on lease, presence of flying freehold, number of floors, wall construction, roof construction, age of property and a property valuation range modelled by WhenFresh data scientists.
Where the proposed property valuation falls within the property valuation range, it is highly likely that the property is transacting at the correct value and that the lender is likely to be able to proceed with an AVM rather than a full valuation, reducing costs and speeding up the application process for the client.
Phil Bailey, Sales Director at Twenty7Tec, noted: “Advisers will find that this solution means that they are instantly able to access key data about a property, helping them quickly select the most appropriate lender for their client. The valuation ranges provided by WhenFresh will also support advisers in understanding how realistic their clients are being on their assumed valuation, what the likely LTV for that loan is going to be and provide a strong indication of the extent to which the case is likely to pass easily via an AVM, as opposed to being referred for a physical survey.”
James Tucker, CEO of Twenty7Tec said: “Our mission at Twenty7Tec is to make things easier for the customer, and for all others involved in the house buying process. This is a significant step forward in terms of making the process simpler, faster and more efficient. Advisers will no longer need to ask the customer for property details or estimated valuations as this will already be available to them inside our platform. In our experience, that time saved means advisers get to spend more time with their clients, giving them better, more tailored advice.”
WhenFresh co-founder and CEO Mark Cunningham, added: “Whilst we already supply data to many of the banks, it’s greatto see that selected WhenFresh property data will, for the first time, be put in the hands of 1000s of mortgage brokers while they process live applications via the Twenty7Tec platform. It’s exactly how WhenFresh property data should be used, in making the mortgage process faster, simpler and less expensive for all parties, so we’re delighted to be supporting James and the excellent Twenty7Tec team to fulfil their vision.”
About Twenty7Tec:
Twenty7Tec’s CloudTwenty7 platform is designed to make the process of searching, applying for and obtaining a mortgage simpler, faster and more efficient. The platform is used by all participants in the mortgage market, from lenders to mortgage advisers, to comparison sites and even end customers.
About WhenFresh
WhenFresh is a leading supplier of residential property attribute, valuation, risk, peril, geospatial, environmental, climate and market data, primarily to the UK’s financial services sector. WhenFresh combines its own proprietary data models with over 200 private and public UK datasets, all accessible via a single, simple API integration. Data applications include mortgage decisioning support, remote property valuations, insurance form prefill, insurance pricing and back-book/portfolio analysis.
To find out more about the property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.
WhenFresh are the UK’s leading suppliers of Residential Property data to the Financial Service, Property, Utility and Public Sectors.
8 of the UK’s top 10 banks, many leading insurers, the Bank of England, insurtechs such as Uinsure and Hiro, fintech’s such as MQube and many more use WhenFresh data to “power” their mortgage decisioning, property valuations, insurance pricing and a host of other applications.
The full set of WhenFresh data ingredients and solutions is available direct via the WhenFresh API, with selected residential property datasets also delivered to end users via resellers such Experian, Equifax, TransUnion, GB Group, LexisNexis etc.
The “Mini-Demo” below provides a quick insight into some of the commonly requested property data items we hold for virtually every residential property in the UK.
To find out more about the property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.
This insightful new report, published in April 2021 by Instech London, offers a comprehensive look at the technology helping insurers identify and manage risk, plus profiles of more than 50 companies that are leading the way in the provision of location intelligence – including WhenFresh.
Matthew Grant, co-founder of InsTech London, also hosted the launch event for the report at the beginning of April 2021 with a stellar panel of location intelligence expert guests:
> Mark Cunningham, Co-founder & Director, WhenFresh
> Charles Blanchet, Vice President of Solutions, ICEYE
> Kevin Van Leer, Director of Customer Success, Cape Analytics
> Patrick Kelahan, Building Consultant, H2M architects + engineers
Click here to watch the recording of the event.
To find out more about the location intelligence, property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.
Hiro, a tech start-up that is aiming to be the most technologically-advanced home insurer in the world, has partnered with award-winning residential property data provider WhenFresh to offer customers insurance quotes in just 4-6 questions and 60 seconds or less.
Hiro’s app-based home insurance, which has just launched in the UK, is aimed at tech-savvy homeowners, offering deeply discounted home insurance to customers who make their houses safer using smart technology like cameras, video doorbells, and leak detectors.
Hiro is exceptionally easy to use; when a customer enters their address on the Hiro app, virtually all the property attributes, risk, peril, and valuation data needed to generate a quote is instantly pre-populated via the WhenFresh API. This means the customer is only required to answer between 4 to 6 simple questions before seeing a price, which makes it a significantly faster and easier process than answering the 50+ questions required by traditional insurers.
“Customers live in a world where they can summon food, transport or the answer to any question with a couple of taps on a smartphone,” says Hiro CEO and Co-Founder, Krystian Zajac. “So why does your old insurer still have a fax machine?”
Zajac argues that peoples’ lives are increasingly characterised by slick, on-demand, personalised experiences, and, by contrast, traditional insurance feels decades behind the curve. “Incumbent insurers will have to innovate – and soon – or risk getting disrupted by challengers like Hiro as customers vote with their wallets,” says Zajac.
Hiro’s chosen data partner, WhenFresh, has created what it calls the UK’s first residential property “Data Supermarket”, bringing together over 200 proprietary, private, and public property datasets and making them available via a single, simple API integration.
WhenFresh CEO and co-founder, Mark Cunningham, explains: “We’re really excited to be working with Hiro and it’s a perfect example of why we built the WhenFresh API. There’s no need to ask customers reams of questions about when the property was built, with what materials, with how many rooms, etc., or more challenging questions, such as how tall the nearest tree is, how close it is to water, or factors relating to the risk of subsidence or floods. WhenFresh instantly handles all that behind the scenes, so the quote process becomes quick and simple for the customer and Hiro can focus on the discounts it gives for homes with smart gadgetry”
With WhenFresh’s help, Hiro smooths out the complicated calculations that go into an insurance quote and offers customers a clean, app-first experience that feels more like Uber or Netflix than home insurance. This means a much better experience for customers, and a significant reduction in quote abandonment for Hiro, driving down acquisition costs and increasing customer satisfaction.
Visit www.gethiro.com to learn more about Hiro and how to download the Hiro app.
To find out more about the property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.