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Clear pricing insight for insurers who want to stay ahead.

Pebbles is a team of insurance practitioners first – people who have sat inside pricing, underwriting and product roles and used data science to fix real commercial problems.

We strengthen pricing capability and speed up decision‑making through focused advisory work and a suite of model‑ready data products designed to give pricing teams a genuine edge in today’s market.

WHY
CHOOSE
US?

Insurance practitioners first — Leaders with 20+ years’ experience in pricing, underwriting and product, working with leading UK insurers and high-growth startups.

Products that work out of the box — Regularly updated Motor and Home data products, cleaned and engineered using machine learning techniques, to deliver unique peril risk scores and market premium scores that drop straight into live pricing models.

Solutions tailored to how you compete — We design advisory and data solutions around your pricing strategy, distribution and segments.

More signal, less analyst time — Pebbles data products give you the uplift of a full data science team, for roughly the cost of a single senior analyst.

Capability that stays when we leave — Training and handover focused on technical, commercial and leadership behaviours, so your teams can run and evolve the solutions themselves.

I engaged Pebbles to conduct a review of pricing and underwriting capabilities.
The brief was specific to pricing and underwriting, and they delivered the objectives to a tight timetable.
Throughout the whole process Dan and Sherdin listened to us and kept to the brief. They kept an open mind and were very transparent and honest in their thinking and working.
They outlined their opinions on best practices and gave clear examples of where we stood relative to their view which enabled us to prioritise and invest in the required areas.

Nika Lee

Chief Underwriting Officer

We needed some extra support to get our new rating structure built, Pebbles listened to our needs and provided the right level of support and applied the necessary diligence in improving data and building the burning cost models.

Great to work with a firm that does what's been agreed without fuss.

Justin Clarke

Chief Underwriting Officer

I asked Pebbles to rebuild our Home insurance optimisation algorithms. Their collaborative approach, led to an easy integration across my teams, and delivered the project within the expected timescales, budgets. Generating significant benefit uplift across multiple metrics

Jon Wilshire

Chief Underwriting Officer

Sherdin provided interim support running the UK Retail pricing team covering all of personal, commercial (SME) lines. Alongside this he developed the business case, and initial design for a new rating engine. During his time with us, he developed the team skills, supported our recruitment drive, and successfully supported the tender of a number of new and existing schemes. His contribution and willingness to get involved has made him a trusted advisor, providing leadership support to me and the rest of the team

Hannah Wilde

Head of Portfolio
Underwriting and Pricing

Thank you, a member of our team will get back to you.

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Registered Address: International House, 36-38 Cornhill, London EC3V 3NG. Company reg number 13458976.