Your brand, your customers. The same seals behind it.
A white-label storefront for brokers, MGAs and insurers: a website and an iOS and Android app built from one template, an SDK for your own journeys and a console to run them. Customers get a quote, buy, claim and track. Every AI decision a customer sees goes through the same decision rooms and seals as the rest of your work.
Quote, buy, claim, track. In your name.
Customers see your brand, your products and your words. The wording, the disclosures and the insurer’s line are the same for every brand.
One template, many brands
One app template, built as each broker’s own app under its own store account. The policies, documents and claims are the same app underneath.
- iOS and Android
- Each broker’s brand, products and languages
Claim in the app, then follow it
Report a claim with photos and a voice note, then see where it has got to: the visit booked, the decision, the payment.
- Each step, with its date
- A person any time
Our voice assistant is an AI. A person any time.
A decision with its reasons
When a claim is decided, the customer sees what was paid, what was not and why, in plain words, with the name of the person who decided.
- Reasons from the sealed record
- Ask a person to look again
This decision has a record. You can ask for it, and for someone to look again.
What the customer sees went through the rooms first.
A quote, a claim decision or a cancellation that AI helped with goes through the same steps as any decision in HONESTAS, before the customer sees it.
Asked
A quote, a claim, a change or a cancellation, from the web, the app or the contact centre.
Argued and checked
Triaged to the right room. A second, independent model must agree before anything goes out.
Decided by a person
Anything that goes against the customer is signed by a named person with the authority to sign it.
Told, with reasons
The customer sees the reasons in plain words, from the sealed record, and can ask for a person.
Build your own journeys. Keep the rules in place.
The console runs brands, products, journeys, pages and publishing, with webhooks and keys that each have an owner. The SDK puts the same journeys into your own website or app, for web, iOS and Android. The steps the insurer and the regulator own cannot be restyled or skipped by any brand.
| Step | Set by |
|---|---|
| The home | Tern Brokers |
| You | Tern Brokers |
| The price | Northgate Mutual |
| Before you pay | Insurer and regulator |
- Web
- cover.tern.example
- iOS
- Tern Brokers app
- Android
- Tern Brokers app
- Markets
- Ireland, United Kingdom
- SDK
- Web, iOS, Android
- Webhooks
- Quote bought, claim opened
- Keys
- 2, each with an owner
The documents step is set by the insurer and the regulator. No brand can restyle it or skip it.
Localised for each market you sell in.
Each market gets its own language, currency, documents and rules, and the storefront changes with them.
- Language and currency
Each brand chooses its languages. Prices, documents and the contact centre follow the customer’s.
- Documents
The product information document, the wording and the summary, for that market, in the same place for every brand.
- Cooling-off and withdrawal
The cooling-off period for that market, and a way to withdraw online that is as easy as buying.
- Complaints
The complaints route and the ombudsman for that market, shown before the customer pays.
- A person to talk to
The contact centre in the customer’s language, told it is an AI, with a person any time.
Every brand, the same obligations.
The insurer sets the steps the law requires once, and every brand and every channel follows them.
- Insurance DistributionDirective (EU) 2016/97 (IDD), Article 20The customer’s demands and needs, and a product information document before the contract.
- Distance financial servicesDirective (EU) 2023/2673Withdrawing as easy as buying, and a person on request when online tools are used. Applies from 19 June 2026.
- EU AI ActRegulation (EU) 2024/1689, Article 50(1)Customers told when they are talking to an AI system. Applies from 2 August 2026.
- Consumer Protection Code 2025Central Bank of Ireland, in force 24 March 2026Plain language, and apps and websites that are easy to use.
- Consumer DutyFCA, PRIN 2A, from 31 July 2023Products, prices and support that give retail customers good outcomes.
AI Act dates as amended by Regulation (EU) 2026/1744, the Digital Omnibus, published in the Official Journal on 24 July 2026. Not legal advice.
About the storefront.
Is it under our own brand?
Yes. Your name, colours, products and languages, on your own web address and in your own app on the App Store and Google Play.
Can we build our own journeys?
Yes, in the console, or in your own website and app through the SDK. The steps the insurer and the regulator own stay locked.
Who can change the disclosures?
Only the insurer, and only as the rules allow. No brand can restyle the documents step or move it.
Does a customer ever deal with AI alone?
They are always told when they are talking to an AI, they can ask for a person at any time, and a decision that goes against them is signed by a named person.
Which markets does it support?
Each market you sell in, with its own language, currency, documents, cooling-off period and complaints route.
Go deeper
Open a storefront in your name.
Bring one product and one market. We will set up the web journey and the app with you, with the insurer’s steps locked in place.