A new profit lever for CEOs
Retail margin is under constant pressure. Pricing, sourcing, and promotions can only be optimised so far before they hit diminishing returns.
Embedded insurance creates an entirely new margin stream — one that compounds over time. By embedding cover directly into the retail journey, every sale can generate a recurring income stream at renewal, while also securing customer loyalty through replacement goods and services.
This is not theoretical. Quotall already generates over 1.5 million point of sale insurance quotes every month for UK retailers.
The business case is proven
For a business with £10m in annual retail sales, our model can generate at least £185k in additional income by year 5. Almost all of this flows straight to profit, with no inventory or fulfilment costs.
Put another way, embedded insurance can add another 2.5% to a typical 5% margin sale over the five-year period (including renewals and claims). That’s a 50% uplift in margin contribution on every insured sale.
And because insurance policies renew year after year, this revenue compounds. Delay adoption and you don’t just miss this year’s revenue — you lose the renewal streams that competitors are already locking in.
De-risked, compliant and scalable
As an FCA regulated insurance intermediary, Quotall ensures your business enters the insurance market with full compliance and minimal operational overhead.
Our embedded platform is designed to scale across millions of transactions, delivering new products to market quickly and without disruption.
With live deployments at leading UK retailers, the model is already proven and delivering results (see SGS Engineering as an example).
Trusted by leading retailers
See what embedded insurance could deliver for you
Our calculator shows the potential additional income from embedding insurance into your retail sales.
Figures are based on real-world performance — including renewal income and replacement goods supplied — so you can see the recurring margin impact in your business.
