DAISORO

F3.4 / Channel Intelligence

Aggregator vs Carrier Spread Index

Carrier-direct, aggregator, broker, and channel-specific spread monitoring across premiums, discounts, availability, coverage differences, quote journey friction, and evidence.

secondary priority
Industry

Financial Services & Insurance

Family

Channel Intelligence

Delivery

Scoped file delivery / Cloud/data-platform push

Schema preview

Aggregator Spread Index

sample structure
01Carrier, aggregator, broker, and direct channel
02Premium, discount, availability, and coverage-difference indicators
03Quote journey friction and quote outcome
04Evidence URL/archive, captured date, and QA state

What it captures

  • Carrier, aggregator, broker, and direct channel
  • Premium, discount, availability, and coverage-difference indicators
  • Quote journey friction and quote outcome
  • Evidence URL/archive, captured date, and QA state

Decision workflows supported

  • Channel parity monitoring
  • Aggregator negotiation
  • Leakage detection
  • Distribution strategy

Buyer roles

  • Motor underwriting teams
  • Pricing and actuarial teams
  • Product and distribution leaders
  • Claims and repair strategy teams
  • Data and AI teams

Delivery models

  • Scoped file delivery
  • Cloud/data-platform push
  • Schema/API integration scoping

Decision workflows supported

Pricing strategy

Monitor offer changes, bundle mechanics, channel variance, and competitor moves.

CVM / retention

Feed churn, retention, and portfolio-risk workflows with structured market signals.

Data & AI ingestion

Use stable IDs, schema fields, evidence references, and version states in AI pipelines.

Regulatory transparency

Review public terms, fair-use labels, evidence, and change history without overclaiming legal status.

Sample structure

Non-downloadable field preview

Request sample dataset

This preview shows the record structure without presenting field examples as live data.

Carrier, aggregator, broker, and direct channelidentifier / label
Premium, discount, availability, and coverage-difference indicatorsidentifier / label
Quote journey friction and quote outcomestructured value
Evidence URL/archive, captured date, and QA statestructured value

Dataset scope

Refresh cadence

Planned; cadence and channel list must be scoped with design partners.

Coverage

No complete carrier, aggregator, or quote-matrix coverage is claimed.

Evidence depth

Source tier, Evidence URL or archive, Captured date, Screenshot or document reference where available, Version hash, QA/confidence state

EVIDENCE REFERENCES

Proof fields travel with the record.

Records are designed to preserve the source, capture state, and QA context needed for downstream review.

Source URLCapture timestampScreenshot referenceDocument referenceVersion hashQA state

VERSION HISTORY

Offer change trail.

1First seencapturevh_01a2
2Promo price addedprice deltavh_02b7
3Eligibility changedrule updatevh_03c4
4Allowance updatedbundle deltavh_04f9
5Offer retiredstatus changevh_05d1

Related datasets

Adjacent signals

Request sample dataset
F3.1

Multi-Carrier Quote Matrix

Financial Services & InsuranceInsurance Market Intelligence

Observable motor-insurance quote intelligence structured by carrier, channel, persona, vehicle, coverage level, premium, deductible, add-ons, quote outcome, and evidence.

Use cases
Competitive quote benchmarkingPricing simulation
Key fields
Market and countryCarrier, broker, aggregator, and direct channel
View dataset
F3.3

Insurance Comparison Engine

Financial Services & InsuranceInsurance Market Intelligence

Comparison layer designed to turn quote, coverage, vehicle, and evidence records into value rankings, coverage gaps, segment positioning, and executive-ready market views.

Use cases
Executive market intelligenceProduct and pricing decisions
Key fields
Quote record referenceCoverage ontology reference
View dataset

Next step

Request a sample or map this dataset to your workflow.

DAISORO can discuss market scope, evidence depth, delivery model, and sample structure for your workflow.

Request sample