CDL Software

Core insurance platform software for UK personal lines carriers and brokers

Core Administration Established Bootstrapped

Overview

CDL (Cheshire Datasystems Ltd) is a UK-based insurance software development house providing core systems and technology platforms for high-volume personal lines insurance operations. The company serves insurers, carriers, and brokers primarily in the UK market, with its software processing up to 10 million quote requests per hour at peak load.

The company's product portfolio includes Strata, a multi-channel retail insurance platform covering web, mobile, and price comparison site distribution; Hummingbird, a cloud-based high-speed search service delivered via SaaS; and InsurTechX, an AI and machine learning initiative targeting chat and voice interfaces for insurance applications. CDL's solutions are cloud-native and built on AWS, with approximately 100 AWS accreditations and Advanced Technology Partner status. The company allocates approximately 15% of annual turnover to research and development.

CDL has grown organically since 1977 without external venture funding. Around 65% of UK price comparison website operators use CDL software. The company serves over 40 insurance organizations, including Ageas Retail, Co-op Insurance, Covea Insurance, LV= Broker, RAC Insurance, and Swinton Insurance. CDL was ranked first in the UK InsurTech 50 in 2022 and is listed in the InsurTech 100.

Products & Services

Strata

A scalable, multi-channel retail insurance platform for high-volume personal lines operations. Supports web, mobile, price comparison site distribution, consumer self-service, and telematics-based insurance products.

Key Features

Multi-channel distribution including price comparison website connectivity
Real-time pricing capability with data enrichment
Telematics and connected device integration for IoT-based policies
Consumer self-service portal

Target Users: UK personal lines carriers and brokers

Hummingbird

An ultra-high-speed, cloud-based search solution delivered as SaaS. Available via REST APIs over the web or via AWS PrivateLink for secure private connectivity.

Key Features

Ultra-fast quote and product search capability
SaaS delivery with web APIs
AWS PrivateLink support for private network integration
Configurable for various insurance product types

Target Users: Insurers and brokers requiring high-throughput quote search

InsurTechX

An AI and machine learning initiative applying emerging technologies to insurance customer engagement through chat and voice interfaces.

Key Features

Machine learning and AI-powered insurance shopping
Chat and voice interface support
Big data integration for enhanced risk insight

Target Users: Carriers and brokers pursuing digital engagement channels

Aggregator Hub

A data aggregation platform providing connectivity with price comparison websites and data enrichment systems.

Key Features

Integration with UK price comparison websites
Connectivity to external data enrichment sources
Standardised data exchange interfaces

Target Users: Personal lines insurers distributing via aggregators

Connected Insurance

IoT and telematics solutions supporting connected home device automation and real-time risk-based pricing.

Key Features

Connected home device integration
IoT data enrichment for risk assessment
Real-time pricing feeds

Target Users: Carriers offering telematics or smart home insurance products

Data Services

Structured data enrichment services for vehicle, property, and business intelligence use cases.

Key Features

Vehicle data enrichment for automotive insurance
Property data enrichment for home insurance
Business intelligence and analytics reporting

Target Users: Carriers and brokers requiring enriched data for underwriting and reporting

At a Glance

Founded: 1977
Headquarters: Stockport, Greater Manchester, United Kingdom
Employees: 501-1000
Funding: Bootstrapped

Category & Focus

Category: Core Administration
Subcategories: Policy administration quote platform data enrichment telematics
Insurance Verticals: P&C Personal
Target Customers: Carriers, Brokers