Insurers are facing tremendous competitive pressure. Customers expect experiences that are personalized, transparent, and frictionless – and providers that cannot deliver will be left behind.

Everywhen is a top 20 global broker that unifies 50 insurance brands placing £5 billion in premiums annually. Everywhen’s business is inherently complex, growing through frequent acquisitions and managing thousands of products. This makes it challenging to adapt technology at the same pace as its business and customers.

In 2023 Everywhen adopted the Mendix low-code platform to rapidly deliver more integrated and flexible solutions. They have since delivered– with another 3 in development – that are making processes like product comparison and Quote & Buy faster and easier than ever before.

Managing Change & Complexity

Everywhen’s Technology Director, Lauren Dally, joined the organization four years ago and was tasked with building a cohesive application strategy in an environment of constant change.

The organization was stuck in a never-ending cycle. Shifting business requirements and technology limitations limited their ability to deliver engaging and unified customer experiences.

“Traditional coding methods only made things harder. They slowed down development, increased financial strain, and reduced our competitiveness at a time when demand for digitised sales was accelerating,” said Dally.

In 2022 Everywhen began exploring low-code development platforms and selected Mendix for its:

• Leadership status in the Gartner Magic Quadrant
• Depth of platform capabilities
• Training and enablement resources, such as the Mendix Academy
• Governance tooling, such as Mendix Portfolio Management

Dally was not just assessing development platforms that could address Everywhen’s current situation. “I needed to make sure that any kind of application strategy and platform would allow us to grow as the business grows. Mendix aligned well with the type of software development practices that we were looking to build into our business for the future,” said Dally.

Reclaiming Control of Customer Experience

In architecting a new application strategy, Dally and her team sat with their business stakeholders to best understand what friction existed in their customer journey.

The disjointed policy administration systems (PAS) landscape had resulted in several points of manual work and rework, leading to a poor experience all the way from prospective customers to renewing clients.

Everywhen enlisted Mendix to play a long-term strategic role in their IT landscape, so were thoughtful in selecting their first application.

In this first build, the goal was to prove that Mendix could:

• Build solutions that allowed Everywhen to reclaim ownership of their customer experience.
• Allow the team to make changes and deploy in a more rapid and cost-effective way.
• Integrate flexibly and seamlessly with Everywhen’s back-end core systems.

“The initial MVP that we implemented with Mendix focused on integrating an application into a back-end policy administration system. This delivered on the integration requirements and allowed us to upskill on the platform fairly easily,” said Dally.

“It was really from our second MVP – which focused on building out a front-end quote and buy service portal that would integrate into a third-party PAS – that we experienced the power of low-coding,” she continued.

A Modern Quote & Buy Experience

In just six sprints, Everywhen delivered a fully integrated and responsive Quote & Buy portal with Mendix. The new application – a sleek and modern Chat UI experience – offered customers greater:

• Personalization, via conditional visibility, sending them to specific follow ups depending on how they engage with the intake prompts.
• Transparency, with a visualized progress bar showing how far along they are in building their quote.
• Accessibility, with the application avaialble across desktop, tablet, and mobile devices.

After the user provides the necessary quote information they are brought to a premium summary page. The summary fields are reflected from Everywhen’s PAS via an API, minimizing development rework in Mendix if fields change or are updated in the future.

The application also has an admin section with reusable components for future projects, API testing, and troubleshooting capabilities.

“As we receive customer feedback on the app we’re able to make changes within a matter of days,” said Dally.  “There has been a huge amount of value from a business perspective, and from a technology perspective Mendix is allowing us to rapidly respond to our customer needs.”

The new application has reduced time to quote from days to minutes – paving the way for Everywhen to transform more of their customer touchpoints with Mendix.

Pioneering Luxury Insurance Comparison

Stanhope Insurance is one of Everywhen’s specialist brands focused on luxury items and properties. Products in their corner of the market are bespoke and highly personalized.

In the past, people looking to insure everything from engagement rings to fine art in the UK would have to sift through different providers and websites to purchase a product. The Stanhope team was ready to break tradition and bring luxury insurance up to speed with the rest of the industry.

“Historically, there has been no comparison site for luxury watch or jewelry insurance in the UK – which is remarkable when you consider that 90% of people buy motor insurance and 60% buy home insurance from a comparison site,” said Matthew Ashton, Director and Co-Founder at Stanhope Insurance.

The Everywhen IT team saw this as another perfect opportunity to flex their Mendix capabilities. In February 2025 – after just 12 weeks of development – Stanhope Insurance launched the UK’s first comparison site for luxury watch and jewelry insurance.

The new application provides:

• Instant comparisons from multiple insurers
• Tailored cover options for different risk profiles and budgets
• Real-time quotes and secure payments
• A seamless, user-friendly experience

The application is fully integrated with Stanhope’s PAS, real-time insurer data feeds, HubSpot, and Google Analytics. It processes real-time underwriting decisions, executes multi-layered security checks, and supports a frictionless quote-to-buy journey.

So easy to use that customers are already leveraging it far more than the team ever anticipated. “We designed the platform to insure maybe one or two items at a time. This week a client chose to insure 19 separate items – proving that we built something simple enough to add items and arrange insurance in a matter of minutes. That was really encouraging,” he said.

Since launch, the platform has tripled insurance sales compared to the same period the previous year. The application is not only transforming the customer experience – it’s empowering staff to provide faster quotes and focus more on high-value customer service.

Strategically Rearchitecting with Mendix

Introducing Mendix was a critical step in Everywhen’s evolution to a component-based architecture.

“Our application strategy was once dominated by traditional system-thinking—monolithic applications, over-designed and burdened with technical debt,” said Dally.

Dally describes modern application design as built on loosely coupled layers connected through APIs. With this approach, so long as the interface formatting is maintained, individual components can be changed independently without disrupting the whole system.

“Transitioning to a component-based system supports more flexible product development. At the heart of this shift was our investment in Mendix, which enables agile solution development, rapid prototyping, and iterative delivery – without the high costs or long timelines,” said Dally.

Insuring for the Future

Everywhen has delivered 4 Mendix applications – with another 3 in development –  proving their ability to:

• Completely own the development and design of their customer experiences.
• Accelerate development cycles through reuse.
• Integrate with backend systems, ensuring that data is accurately and dynamically reflected across applications.

Everywhen is now primed to transform customer experiences across its 3,500+ products. For brands like Stanhope – the speed and flexibility of developing a comparison site with Mendix is allowing the team to dream about what else is possible.

Ashton and the team hope to add more products and features, increase underwriting flexibility, and make arranging coverage even easier for customers with cutting-edge technologies.

“In the future, why should you have to type in the make and model of your watch? You should be able to take a photo and allow the platform to do it for you. Or have AI recognition use weight and appearance to tell you the value of an engagement ring. The opportunities are endless,” said Ashton.

It’s not just customers and employees who are happy with the results – the industry has taken notice. In back-to-back years, the UK IT Awards recognized Everywhen’s technology team for their efforts. In 2024 and 2025 they received ‘Highly Commended’ in the Emerging Technology and Financial Project of the Year, respectively.