Concirrus' Quest platform provides proprietary behavioural data and predictive models that significantly outperform traditional risk assessment and underwriting techniques in the insurance market. Concirrus take a fresh approach to solving the challenges faced by the insurance industry. Our Quest products access and interpret large sets of static demographic and dynamic behavior-based data sets, and combine these with historical claims information to reveal the behaviours that correlate to claims. The outcome is new insights and rating factors that simply did not exist before, the ability to better deploy risk capital, improve loss ratios and drive down operating costs.