LAYBL is a UK insurtech helping insurers and policyholders finally get clarity on what we own. We provide verified, pre-loss data that makes home insurance more accurate, faster and far less painful.

Most contents policies are built from memory. We underestimate what we own. Claims teams waste time chasing evidence. Fraud checks drag on. And under-insurance keeps growing.

LAYBL fixes that.

We let policyholders easily record, verify and value their belongings through photos, receipts and simple prompts. Insurers receive clean, structured item-level data before a loss occurs - improving policy pricing, speeding up claims and flagging fraud early.

We work with insurers, aggregators and partners who want to:
• reduce under-insurance
• cut claims costs
• speed up decisions
• improve pricing accuracy
• strengthen Consumer Duty outcomes
• boost retention and trust

LAYBL offers three flexible routes to integrate:
• Embed - API & SDK to build verified ownership into onboarding.
• Branded App - a hosted, insurer-branded experience for quick rollout.
• No code partner access - no integration required, offer LAYBL today.

Our tech is built in-house, designed for scale, and fits into existing insurer workflows without disruption.

Our mission is simple: help people prove what they own - and help insurers trust the data.

Better cover, faster claims and fewer headaches on both sides. 
Built for insurers, loved by policyholders.

If you’re looking to improve customer outcomes and tackle under-insurance properly, we’d love to talk.

LAYBL

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LAYBL

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