AI Integration Cost UK: What Actually Decides the Price in 2026
What drives the cost of adding AI to a system you already run: what the target platform actually exposes, read versus write access, and where legacy software changes the number.
AI for Insurance Brokers
Qualify Every Quote and Renewal Without Crossing Into Advice You Are Not Authorised to Give
A brokerage’s phone and inbox carry three kinds of conversation at once — a new quote, a renewal, and a claim that needs an update — and every one of them is quietly bound by a rule that a script cannot improvise around: before a policy is ever proposed, the customer’s demands and needs have to be established, in writing, whether or not anyone gave them advice. We build AI phone answering, chat and follow-up for UK brokers that speeds up the quote-to-renewal journey without ever drifting into a personal recommendation the firm has not authorised it to make.
The Problem
Where a brokerage loses time and customers
Quotes, renewals and claims compete for the same small team
A call about a lapsing renewal, a new quote request from the website, and a customer chasing a claim update all arrive the same afternoon, and the team answering the phone is the same team processing mid-term adjustments.
Every sale legally requires a demands-and-needs statement, not just an advised one
Under ICOBS 5.2.2R, a firm must establish and record a customer’s demands and needs before a contract of insurance is concluded, and the FCA’s own guidance at ICOBS 5.2.2CG confirms this applies "whether or not advice is given" — skipping it to move a quote along faster is not a shortcut, it is a compliance gap.
The line between helping someone choose and advising them is easy to cross by accident
A non-advised sale can present options that match a customer’s stated demands and needs; it cannot tell them which one is best for them. That distinction is exactly where a script that improvises, or an AI given too loose a brief, drifts into regulated advice the firm never authorised it to give.
Consumer Duty now expects evidence, not just intent
The FCA’s Consumer Duty (Policy Statement PS22/9), in force since 31 July 2023 for open products and 31 July 2024 for closed ones, requires firms to deliver good outcomes across products and services, price and value, consumer understanding and consumer support — and 2026 is the year the FCA moves from firms merely implementing the Duty to actively supervising how well they can evidence it.
What We Build
AI solutions for insurance brokers
AI Phone Answering for Quotes, Renewals and Claims Triage
Answers every call whether the team is on the phones or not, takes a new quote enquiry through the demands-and-needs questions your process requires, chases a lapsing renewal, and logs a claims query with a clear update — without ever deciding a claim or recommending a policy itself.
AI Voice Agents pricing and detailsWebsite and WhatsApp Quote Chat
Walks a visitor through the demands-and-needs questions before showing any option, answers renewal and coverage questions from your own documentation, and is built to present choices consistent with what the customer told it — never to tell them which one is best for them.
AI Chatbot Development pricing and detailsRenewal Reminders and Mid-Term Adjustment Chasers
Sends renewal reminders ahead of lapse, chases outstanding information for a mid-term adjustment, and keeps a customer updated on a claim in progress automatically, so nothing depends on someone remembering to follow up.
AI Automation pricing and detailsConnected to the Broker Platform You Already Run
Works with the system you already use — Acturis, Applied Systems, Open GI or SSP among them — reading live policy and renewal data rather than keeping a second record, to whatever interface your platform actually exposes.
AI Integration pricing and detailsOutcomes
What changes for your brokerage
- Every quote, renewal and claims-status enquiry answered, including outside office hours
- A demands-and-needs statement captured consistently on every sale, not left to whoever happened to take the call
- Non-advised sales that present options matching what the customer told the agent, never a personal recommendation it is not authorised to make
- Renewals chased automatically instead of left until the lapse notice
- A consistent, evidenced record to show against the FCA’s Consumer Duty outcomes
FAQ
Questions insurance brokers ask us
Can the AI recommend a specific policy to a customer?
No. A non-advised sale can present options that match what the customer told it about their demands and needs, but it cannot tell them which one is best for them — that is a personal recommendation, which is regulated advice. ICOBS 5.2.2CG confirms the demands-and-needs requirement itself applies "whether or not advice is given", but advice is a separate, higher bar the agent is built not to cross unless your firm is set up and authorised to give it.
What is the demands-and-needs statement, and does the AI handle it?
It is the FCA requirement, under ICOBS 5.2.2R, that a firm establishes a customer’s demands and needs before a contract of insurance is concluded, modulated to the complexity of the policy, and communicates that statement to the customer. The agent is built to capture this as a structured step before any policy is presented, so it exists consistently on every sale rather than depending on whoever happens to take the call remembering to ask.
How does this fit with the FCA’s Consumer Duty?
Consumer Duty (PS22/9) requires firms to evidence good outcomes across products and services, price and value, consumer understanding and consumer support, and 2026 is when the FCA moves from checking firms have implemented it to actively supervising how well they can prove it. A structured, consistent quote and renewal flow — the same demands-and-needs questions asked the same way every time, the same clear language, a defined route to a person — is exactly the kind of evidence that scrutiny asks for.
Can the AI make a decision on a claim?
No. Claims handling and any coverage decision stay with your qualified team. The agent can triage a claims call, take down the details, give a status update from your system, and escalate anything urgent immediately — it is built to hand over, not to decide.
How is this quoted, and where should a brokerage start?
As a fixed price after a free discovery call, with a one-off build and a monthly fee rather than a day rate. What moves the scope is how many sites you run, whether your broker platform exposes a live interface, and how much of the quote-to-renewal journey you want automated. Most brokerages start with phone answering for quotes and renewals, because it proves itself fastest and needs the least access to go live.
Guides for insurance brokers
AI CRM Integration UK: How to Add AI to HubSpot, Salesforce, Zoho and More (2026)
A practical guide for UK SMEs on adding AI to the CRM you already run: the 10 integrations with the fastest payback, native AI features versus custom work, 2026 UK prices, UK GDPR considerations and a six-step plan.
Zapier vs Custom AI Automation: Which Fits a UK Business?
Zapier prices by the task, and its own documentation is precise about what counts as one and what does not. Worked through against a custom build’s flat running cost.
Before You Get In Touch
What you can hold us to
Plenty of agencies close this part of a page with client logos. We do not publish any, because we will not put a name or a number on this site that we cannot evidence. What follows instead is what you can check in a public register, and what sits in the contract either way.
What the discovery call actually is
Thirty minutes, free, no obligation and no salesperson. You describe what is costing you time or customers, we ask about the systems involved, and you leave with an honest view of whether this is worth doing. We regularly end that call by saying the tool you already pay for covers it.
You own the result
The code, the repository and the accounts are set up in your company name rather than ours, and they are yours on completion and full payment. Nothing runs on infrastructure we control, so ending the relationship does not end the thing we built.
A fixed price, never a day rate
Every project is quoted as a fixed price with a written scope after the call, so an over-run is our problem rather than yours. If the scope changes, we say so and re-quote before doing the work, not after.
Where your data sits
In the UK or EU, under a data processing agreement, kept only as long as you specify. Any model provider we rely on is named as a sub-processor rather than left implicit, and we will tell you plainly where something you have asked for would put a commitment of yours at risk.
What happens when it goes wrong
Agreed before launch rather than negotiated during an incident: what is covered, how quickly we respond, and what counts as new work. Every build has a defined escalation to a person, because the failure that costs you is the one nobody noticed.
Two things you can check
Big Berri Limited is registered in England and Wales, company number 16562429, and registered with the Information Commissioner's Office under reference ZC119995. Both are public registers. Look us up rather than taking our word for it.
See what AI would do for your brokerage
A free 30-minute discovery call. We map where you lose time and customers today, and give you a fixed price for fixing it.
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