Attach rates of 3–12% are typical for embedded checkout insurance on high-value goods. Retailers in trade and B2B categories see 4–7% attach rates. Post-purchase or email-based flows typically achieve 1–2%.
Retailers do not need FCA authorisation. The Connected Contract Exemption (Article 72B RAO) and the Appointed Representative route allow retailers to distribute insurance without direct regulatory obligation. Quotall acts as the regulatory infrastructure provider.
Most implementations cost nothing upfront. Quotall operates on a commission-share model — the platform fee is a percentage of commission income, not a fixed licence fee. Retailers pay only when the product generates revenue.
A retailer processing 10,000 monthly transactions with an average order value of £150 and a 5% attach rate can generate approximately £45,000 in annual commission income. Revenue scales linearly with transaction volume and attach rate.