The digital trading Standards for UK personal and commercial lines insurance are developed and agreed together with the insurance community.

Our Standards are available on a subscription basis and are used by brokers, insurers, software houses, data providers and other industry organisations. They allow for clear, consistent communication across the UK general insurance industry acting as a common “language” and providing the basis for interoperability between industry organisations and systems. The data Standards are dynamic, and any community member may request amendments.

Standards include:

  • Business process models and associated data requirements
  • Messaging standards covering New Business, Mid-Term Adjustments, Renewals and Cancellations
  • Industry code lists
  • Technical Specifications
  • Best practice guides
  • Documentation to support regulatory and industry initiatives

Standards Overview

What we offer

Digital Trading Standards

We develop, maintain and publish digital trading standards for the UK general insurance industry.

The Standards cover UK commercial lines business classes and UK motor and household business classes.

Polaris Online Database (POD)

The Polaris industry code lists form part of the data standards. Polaris maintains and publishes over 350 of these code lists on behalf of the industry. They cover data such as motoring convictions, cover basis, trade codes etc. across both personal and commercial lines insurance.

Good Customer Outcomes

As brokers use our Commercial Lines Standards (via imarket) more, they have told us how important it is to be able to get the best and most consistent outcomes for their customers. To help brokers achieve this Polaris reviews imarket integrated broker systems, insurer’s imarket products and our Standards on a continuous basis.

Helping you stay on top of industry developments

Our standards are developed through industry collaboration and are offered as a subscription based service.

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Subscribing to Commercial Lines or Personal Lines Standards provides users access to the following features:

  • Industry agreed standards
  • Wide use in distribution channels
  • Regular updates
  • Access to Polaris Resource Library
  • Participation in working groups
  • Access to Polaris Online Database


Standards provide the foundation for efficient and effective digital trading. Irrespective of the industry or technology being used, without standards digital trading can prove expensive. The adoption of Polaris digital trading standards offers a number of benefits to industry participants:

Lower costs and improved speed to market

Developing industry standards allows our stakeholders to focus on building compatible business proposition and system solutions that reduce their development costs and improve their speed to market.

Once and done

Standards enables you to build once and distribute the business proposition and products across multiple systems avoiding duplication of effort.

Support competition

By simplifying the common part of digital trading, standards provide focus on what differentiates competing products from each other without compromising competitive advantage.

Reduce risk and margin for error

The adoption of standards reduces potential for error, particularly when data is shared between many organisations, with different systems solution in place.

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