Shared Infrastructure
Shared Value
The National Motor Claims Database is designed as shared national infrastructure. Our pricing is intentionally simple, predictable, and fair.
National Utility
Structured to support long-term participation across the entire ecosystem.
Fair Proportions
Insurers pay in direct proportion to the size of their motor portfolio.
Transparent
Fee Structure
Pricing remains transparent and easy to forecast, with no usage fees, query limits, or hidden charges.
- No capital expenditure
- No per-query charges
- Scales with your portfolio
- Periodic fairness reviews
Annual Subscription
The most cost-effective option for long-term strategic alignment and market stability.
Monthly Subscription
Flexible monthly billing for dynamic portfolio management and agile organizational needs.
Additional Options
Additional Users
Add additional users to your account with full access to the platform.
AI Reporting & Analytics
Access to AI-powered reporting, analytics, and claims trend analysis.
The ROI of Intelligence
The primary financial benefit comes from reducing claims leakage and fraud through better visibility of claims history.
Insured vehicles: total number of vehicles currently insured.
Claims paid: total motor claims paid in the last 12 months.
Number of additional users at $100/year per user.
Users with AI reporting, analytics, and claims trend analysis at $75/year per user.
Yearly subscription total
Monthly subscription total
Disclaimer: Savings estimates are illustrative and based on a conservative 2% reduction in claims leakage. Actual results may vary.
How We Calculate Impact
Our ROI model is built on conservative industry benchmarks. We focus on two primary levers: the absolute cost of participation and the verifiable reduction in claims leakage.
1. Fixed Subscription Cost
Calculated as a flat rate of $0.40 per vehicle per year. This covers all data queries, reporting, and infrastructure maintenance with zero hidden fees.
2. Claims Leakage Reduction
We apply a 2% reduction rate to your total annual motor claims paid. This represents the minimum expected recovery from identifying fraud, double-dipping, and prior-damage non-disclosure.
Mathematical Framework
In most cases, the prevention or reduction of just one average claim can offset the annual subscription cost for a substantial portion of an insurer's portfolio.
An Investment in
Risk Reduction
The database typically pays for itself many times over. Even under conservative assumptions, insurers see a strong return that increases alongside claims activity.
By moving costs from "technology expense" to a "cost-control tool," the database directly improves loss ratios and operational efficiency.
Transparency & Review
All pricing parameters are fixed and published in advance. The model is designed to support long-term industry participation, not short-term revenue generation.
ROI increases with activity
Conservative savings target
Measured per vehicle
No hidden query fees
Activate the National Intelligence Network
Begin the transition to data-driven motor claims management and collective market security.