Your policyholders decided their sum insured. Nobody checked it.
KEEEP gives a household an itemised, valued record of its contents — and gives you a book priced against assets rather than estimates. It reaches your policyholders through you.
Four places an estimated sum insured shows up on your P&L.
None of these need a market statistic to be true of your own book. They are mechanical consequences of pricing a policy against a number nobody verified.
Risk you carry but did not price
Where a household owns more than it declared, the exposure is real and the premium does not reflect it. The gap is invisible until the claim arrives.
Loss adjustment on claims that were never in doubt
Assessors reconstruct a household's contents from memory and receipts. That work is the same whether the claim is straightforward or not.
Complaints that begin at the sum insured
A policyholder who discovers they were underinsured at claim time is a complaint waiting to happen — and the ones that escalate reach IFSO or AFCA.
Acquisition spend to reach people you already have
The households most likely to correct their cover are already on your book. Reaching them costs nothing you are not already spending.
You offer it. They complete it. You receive a record.
No integration project, no core system work. Data leaves KEEEP as a structured itemised inventory export.
At renewal, at onboarding, or as a member benefit. Under your brand if you prefer.
Photographs only. Items are identified and priced against current retail data.
A structured itemised export, with per-item valuations and a total insurable value. It reaches you when the policyholder releases it, not before.
The sum insured reflects the contents. If a claim follows, the record predates the loss.
Built for teams without an IT programme to spare.
| Organisation | What KEEEP changes |
|---|---|
| Broker networks | A tool to place with member brokers, and a reason to reopen a conversation with a client at renewal. |
| Mutual and member-owned insurers | A member benefit that measurably improves the cover members hold, without a platform build. |
| Mid-tier independents | Accurate sums insured across a contents book, and a shorter path through straightforward claims. |
| Specialist insurers | Itemised valuation evidence in classes where contents detail is the whole underwriting question. |
Your brand on the front of it.
A white-label option is available to partners. The application carries your identity, your policyholders stay yours, and the inventory returns to you.
We do not sell direct to consumers. Policyholders reach KEEEP through our insurer and broker partners — that is the only route to market we are building.
A first partner shapes what this becomes.
Thirty minutes, a walkthrough of the application, and an honest conversation about where it is and what it would take to run it on your book.