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BC-2026-021 · Lead: Distribution · Sponsor: Grace Lowe
Broker portal refresh
High priorityChartersStart 2027
- Gate 1Business Case
- Gate 2Charters
- Gate 3ROI Overview
- Gate 4Submitted
- Gate 5Decision
Stage-gate decision
1 · Core business case
Modernise the broker quote-and-bind portal with API access for top 20 brokers.
Benefits of doing it
- Quote turnaround under 10 minutes
- +8% GWP through broker channel
£950k / yr
Cost of not doing it
Brokers moving panel share to insurers with API trading.
£1.20m / yr
Strategic aims
Profitable growthDigital transformation
2 · Departmental charters
Each participating department signs a charter with its own mini business case and funding contribution.
Distribution£700k(33%)
Broker retention
Lead sponsor.
✓ Signed
Grace Lowe · 2026-08-14
Underwriting£500k(24%)
Straight-through rules
Rules engine configuration.
IT£400k(19%)
API platform reuse
Shared integration layer.
3 · ROI overview
Total investment£2.10m
Annual benefit£950k
Payback2.2 yrs
3-year ROI36%
3-yr cost of inaction£3.60m
Funding position
Committed (signed)£700k
Pledged, unsigned£900k
Funding gap£1.40m
Outstanding sign-offs2
History
- 2026-08-30 · ChartersSeeking department charters
- 2026-06-20 · Business CaseCase raised