Coverage Comparison

Compare policies
clause by clause.

Upload two or three PDS documents and get a structured, side-by-side comparison. See exactly where one policy gains, gaps, or trades off against another.

Multi-Policy Upload

Upload up to three. Compare instantly.

Whether you're comparing a current policy against a renewal, or benchmarking three competing quotes, the AI reads every document end-to-end and builds a structured comparison.

  • Current vs renewal — see what changed and what was removed
  • Competing quotes — benchmark three insurers side by side
  • Up to 150 pages per document — no page limits, no chunking
  • Results in 60–90 seconds, not hours of manual spreadsheet work
Policy A
Policy B
Policy C
Coverage Matrix

Every coverage. Every difference.

The comparison output is a structured matrix — perils down the left, insurers across the top. Limits, excess, extensions, and exclusions mapped cell by cell.

  • Sub-limits compared across all policies in one view
  • Excess and deductible differences highlighted instantly
  • Extensions and optional benefits mapped per insurer
  • Click any cell to see the source clause in the original PDS
QBEAllianzZurich
Property
BI
Liability
Cyber
Glass
Theft
What's compared

Not just limits. Everything that matters.

The comparison engine normalises terminology across insurers so you see like-for-like, even when QBE and Allianz use different wording for the same concept.

Limits & Sub-limits

Sum insured, individual sub-limits, aggregate limits, and any caps on specific coverages — all extracted and compared in a single table.

Exclusions & Carve-backs

Every exclusion across all policies, including carve-backs that partially restore coverage. See which insurer has the tightest and most generous terms.

Excess & Deductibles

Standard excess, voluntary excess, aggregate deductibles, and any per-section variations. No more buried surprises in the fine print.

Extensions & Benefits

Automatic extensions, optional benefits, additional coverages — mapped per insurer so you can see which policy offers the most comprehensive package.

Conditions & Duties

Claims notification timeframes, duty of disclosure requirements, premium payment conditions — the obligations that can void cover if missed.

"Best Fit" Narrative

A plain-English summary of which policy is strongest overall, where each insurer leads, and what the trade-offs are. Ready to share with your client.

How it works

Four steps to clear comparison.

No templates. No spreadsheets. Upload and compare.

01

Upload policies

Drag and drop two or three PDS documents. Any Australian insurer, any commercial line.

02

AI reads every clause

Each document is analysed end-to-end. Terminology is normalised across insurers automatically.

03

Matrix generated

A structured coverage matrix maps every peril, limit, excess, exclusion, and extension side by side.

04

Review & share

Click any cell for the source citation. Export the comparison or share the "best fit" summary with your client.

Semantic Matching

Different words. Same meaning.

QBE calls it "Words with Special Meaning." Allianz calls it "What you are not covered for." Zurich calls it "Exclusions." Our AI maps equivalent concepts across insurers so you're comparing like for like.

  • Defined terms resolved — "Building" means different things to different insurers
  • Section structures normalised across flat, numbered, and multi-part formats
  • Settlement basis mapped — agreed value, market value, new-for-old, indemnity
"Words with Special Meaning"
Definitions
"What you are not covered for"
Exclusions
"Basis of Settlement"
Valuation
Contact

AI-powered insurance.
Coming soon.

We're here to answer your questions. We usually reply within one business day.

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