What is Trail Research?

Trail Research is Trail’s insurance research tool. It is designed to help advisers compare products, review policy information, and create estimated premium quotes in one place.

Trail Research is currently in beta. That means the tool is live and ready to use, but we are still actively improving it. During this period, we recommend using Trail Research alongside your existing research process while you get familiar with the tool and help us identify areas for improvement. Your feedback will play an important role in shaping future updates and functionality.

Trail Research is a research tool that sits inside Trail and is designed to support insurance advisers with product comparisons, historical product information, policy documents, and premium quoting. It brings together data from the former Strategy tool, including historical data, and combines that with new functionality inside Trail Research.

At this stage, Trail Research is largely a standalone tool within Trail. Over time, Trail plans to build closer integration between Trail Research and the wider insurance advice process.

If you have insurance enabled on your Trail account, you can access Trail Research directly from inside Trail by clicking on the Trail Research icon in the Navigation Bar.

During the beta period, Trail Research is enabled by default for all Trail users with Personal Risk Advice enabled. If you believe you should have access but cannot see the icon, contact our Support Team via Intercom.

Trail Research is made up of several key pages, each designed to help with a different part of the research process.

The Ratings page is the core of Trail Research. It compares on-sale insurance products against each other by assessing their benefits.

You can view the information in three ways:

Historical ratings data is also available for many product types, allowing you to look back at previous points in time.

The Compare page allows you to view two products side by side. This includes both on-sale and off-sale products, which can be especially useful for replacement business or when reviewing an older client policy against a newer option.

You can compare different versions of a product, view score differences, and quickly identify where one product includes a benefit that another does not.

The Quote tool allows you to generate an estimated premium quote for a client.

Quotes are designed to be a strong initial estimate using insurer rates, but they should still be treated as a starting point rather than a final insurer-generated quote. If you proceed with a recommendation, you should still confirm the scenario through the provider’s own calculator.

Within the Quote tool, you can also:

At this stage, quote outputs do not automatically pull through into the Trail SOA.

The Library page gives you access to policy documents and related product material provided by the insurance providers. This includes both current and historical versions of the policy wording documents.

To find a document, either use the filters at the top of the screen or search for a product directly using the ‘Search by Text’ tab.

For more detailed guidance, see the related articles below:

If you have a bug to report or need urgent help, contact our Support Team through Intercom or by emailing support@gettrail.com. For suggestions or feature requests, use the Submit Feedback button at the top of the page inside Trail Research.