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Polaris & eZee: Sharpening ‘The Cutting Edge’

27 April 2026

The insurance industry is a breeding ground for innovation and disruption. It can be easy to be seduced by the promise of novel and supposedly better ways to build and distribute product. Explore the options but don’t overlook what’s already in front of you. Polaris and e-Zee Insurance Solutions Ltd explain why.

Walking the Walk

For over 30 years Polaris has been ‘under the hood’ of digital insurance trading in the UK. We’re owned by the UK insurance industry and our mission is clear:

“To enable insurers, brokers and MGAs to build, control and distribute insurance products via digital channels effectively and efficiently.”

We understand how insurance is traded, priced and delivered – at scale. Our industry role is to pre-empt and respond to fundamental changes affecting the way we trade digitally. We’ve been there from the first digitally distributed products and explosion of comparison websites to the exponential growth of machine learning and AI.

A defining characteristic of Polaris is its user-led model for innovation. Insurers, MGAs, Software houses, industry bodies and independent experts collaborate with us providing upwards of 1,000 hours of insight annually through our product user review groups. It’s essential that our developments reflect ‘real world’ requirements rather than theoretical trends.

Industry expert e-Zee Insurance Solutions Ltd has been helping businesses to realise their Polaris ProductWriter aspirations since 2008 – whether they are established MGAs, or start-ups looking for a cost-effective way to design and incubate products.

Many firms have found that using an independent analyst developer (AD) has enabled them to look at their distribution and product strategies from a different perspective, reducing duplication and maximizing efficiency.

Sweat the assets

As e-Zee explains: “When it comes to the entrepreneur, using something like ProductWriter might sound like an anathema to them. It refers to ‘market standards’ whereas they are talking about innovation. We think that misses the point as it’s about your systems’ ‘shaking hands’. You shake hands in the standard way, but you make your product innovative. You can literally build anything in ProductWriter but you should never build more than you need to.”

Today consumer expectations continue to expand and shift. Speed to market and instant gratification are hygiene factors.

Consequently, robust digital foundations matter. Automation, API driven integration, scalable cloud deployment and business led configuration all enable faster, safer change – supporting continuous improvement without constraining it.

Turning Innovation into Business Value

Inside this ‘pressure cooker’ of innovation are teams of underwriters and analysts working with algorithms and powerful data sources to ensure that their product development and pricing processes remain fair, compliant and profitable.

The real challenge for insurers and MGAs is implementation. As e-Zee Director Eloise Hibberd explains:

“Everyone at e-Zee has previously worked in the insurance sector. We’ve all seen innovation succeed and fail over the years. But we cannot forget that we are a regulated industry so a framework that allows firms to innovate, experiment and thrive within a trusted trading environment is a powerful proposition.

The pace of change is relentless, and firms often don’t have the ‘boots on the ground’ to realise their digital trading ambitions. It’s essential that they’re maximising the tools they already have. That may be in ways they hadn’t thought of, so getting an external perspective can make all the difference.”

Making Change Happen

Wherever you are on your journey, the power to innovate may already be at your fingertips, enabling you to build and maintain products across all general insurance lines for distribution via multiple channels.

Our technology has evolved through collaboration. Find out how you can get involved.

Contact our ProductWriter team: [email protected]

Contact e-Zee: www.ezeeis.co.uk/contact-us

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