At underwriting you take the policyholder's word
Where it bites today
Read the consented record, with its grades and provenance
What you get that you do not have now
Consented service history
The policyholder connects you to their HomeLynx and chooses what to share. Service entries are timestamped and chained, so a later edit shows, and every read is logged.
Servicing cadence
Verified servicing cadence for gas and heating, electrical, plumbing and roofing, with the last verified visit, and a count of leak and escape-of-water mentions. Built only from what the owner shares; no score.
Indicative flood band
The Environment Agency's rivers-and-sea band for the postcode, indicative and area-based, with the official checker linked. Surface-water, coastal and subsidence risk are not claimed.
What insurers use it for
- Underwriting evidence at quote stage
- Renewal: what has been serviced since the last policy year
- Claims context: was the boiler serviced, was there earlier water damage, is the wiring recent
- Escape-of-water history at claim time
- A loss-prevention worklist across connected properties
Published line by line, not as tiers
Each organisation-side price switches on line by line, only once there is enough real data behind it. Where every line stands today is published in the enterprise pricing section. Email us to talk through a pilot for your book.
Talk to us about pricingFrequently asked questions
How is the record tamper-evident?+
Each service entry is timestamped and chained to the entries before it, so a later edit shows. Every entry also carries its evidence grade (Verified, Recorded or Unconfirmed), so you can see what the evidence is, not only that something was recorded.
How do we read a policyholder's HomeLynx?+
The homeowner owns their HomeLynx and connects you to it. You see only what they agree to share, they can withdraw it, and every read is logged.
Can we integrate with our existing claims system?+
Not yet as a self-serve API. During a pilot we agree how evidence reaches you; email enterprise@tradelynx.co.uk.
What about properties with no HomeLynx?+
Verified jobs are recorded where the marketplace runs, on the South Coast, and any UK homeowner can claim a HomeLynx and add their own evidence. For a policy on a property with no HomeLynx, the signal is absent rather than misleading, and you keep your current underwriting workflow.
Is there a pilot available?+
Yes. Pilots are by conversation, scoped to your book shape and the integration depth you want. Email enterprise@tradelynx.co.uk.