Peppercorn

Peppercorn is a UK insurtech whose product, Pipr, is a conversational AI platform built specifically for insurance. Instead of a chatbot in the corner of a website, Pipr makes the entire customer journey a digital conversation: a policyholder can get a quote, buy, update, manage and claim on a policy in real time through a branded conversational interface, without waiting for a human agent. It is aimed at insurers, brokers and managing general agents that want to cut operating costs and improve risk selection at the same time. Pipr is configured to a carrier's branding, tone of voice and product content, and acts as an overlay on existing policy administration systems with no code integration and a six step implementation program. Automated pre sale underwriting uses dynamic rules and tailored clarifying questions to identify misrepresentation before purchase, an optional rating capability supports pricing precision, and a single customer view exposes manipulation across the quote journey for counter fraud work. The vendor cites a ratio of one customer agent to 5,000 policyholders as the operating model the platform is built to support. Pricing is not published. Peppercorn works with each insurer to build and launch its own branded Pipr, and commercial terms are agreed through direct contact and a demonstration. Car insurance was the first product line, and the vendor describes Pipr as product neutral, so home, pet, van and other lines follow the same blueprint.