Swallow’s platform allowed us to enter the UK market rapidly while keeping our pricing model flexible and adaptable to different tax and regulatory environments

Rishin Patel
Chief Product Officer, Open

Tackling the UK market with agile embedded insurance

Open needed a powerful pricing engine to embed insurance products across the UK and re-price tens of thousands of policies swiftly. Swallow delivered the solution smoothly

3× faster launch

Integrated and live pricing achieved in under 12 weeks

10× quicker adjustments

Handled complex pricing and UK rules effortlessly

8× cheaper to operate

More cost-effective than previous legacy enterprise systems

Open is an Australian insurtech founded in 2016 that delivers embedded insurance solutions across car, home, and travel products. With operations in Australia, New Zealand, and the UK, Open partners with fast-growing brands to provide seamless digital insurance experiences through their proprietary platform

www.beopen.com

Swallow’s platform allowed us to enter the UK market rapidly while keeping our pricing model flexible and adaptable to different tax and regulatory environments

Rishin Patel
Chief Product Officer, Open

Open's Challenge

Founded in 2016 and active in Australia and NZ, Open was embedding car, home, and travel insurance into partner products. Expanding into the UK, they faced hurdles:

Quickly onboarding new underwriters and launching UK-specific products

Hosting pricing logic that handled endorsements, renewals, and dual distribution channels

Adapting to UK-specific tax and regulation, all while avoiding disruption to existing operations

They needed a solution that could:

Integrate closely with their current platform

Manage multi-region and product logic sets

Allow rapid deployment and adjustment by product teams

Scale to re-price over 20,000 customers efficiently

Swallow’s Solution

Swallow delivered a self-serve, scalable pricing platform that slotted seamlessly into Open’s ecosystem. With minimal engineering effort:

With Swallow:

Launched full product support in just 12 weeks

Enabled split retail/wholesale pricing and thorough automated testing

Handled endorsements, renewals, and UK tax/regulatory rules out of the box

Removed engineering bottlenecks; product teams made changes confidently and independently

In summary

Leveraging Swallow, Open launched faster, reduced cost, and operated with greater agility. They powered their embedded insurance journey, re-pricing over 20,000 UK customers, with confidence, auditability, and full regional resilience

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