Checkout Modal

Why consider a modal?

Not every product is built around an open-ended chat interface. Many of our most valuable partners operate highly structured, workflow-driven platforms - like PropTech dashboards, FinTech apps, or booking systems.

You shouldn't have to build a native AI assistant from scratch just to offer modern, conversational insurance.

The Malcolm Modal provides an elegant, drop-in UI component that bridges the gap between your static workflows and the complex underwriting requirements of Tier-1 insurers. Think of it as the "Stripe Checkout" of agentic insurance.

Instead of building complex forms or your own LLM architecture, you simply pass the context you already have (e.g., a property address or user profile) to the modal. Malcolm spins up a secure, conversational concierge directly inside your app, asks the user the exact right follow-up questions to satisfy the insurer, and returns a fully bindable policy to your system.

It gives your users a cutting-edge AI experience, with zero AI engineering required on your end.

How the Malcolm modal works

1. Partner-Malcolm handshake

• A tenant on a partner platform (e.g. Goodlord) clicks "Finalise Move."
• The partner's backend sends a POST request to Malcolm containing verified data they already hold:

{
  "name": "John",
  "postcode": "CR7 8LR",
  "move_in": "2026-03-01",
  "salary": 45000
}

• The user sees nothing yet.

2. Calculating the quote delta

• Our backend ingests the JSON and maps that partial data against the underwriting trees of Aviva (and ideally other insurers) in milliseconds.
• Our engine calculates the delta - the missing quote data. It realises Aviva needs to know the "Roof Type" and another insurer needs to know about "High-Value Items."
• Malcolm generates a secure, stateful session URL (e.g. checkout.malcolm.io/session_123) and passes it back to the partner.

3. The modal

• The partner renders that URL in a button-triggered lightweight iframe or modal.
• The user does not see a massive, blank insurance form. They see a highly optimised, dynamic interface:
• The UI renders only the specific questions required to complete the quote.

4. Quote and bind

• The user answers the questions.
• Malcolm hits the legacy insurer APIs, returns the firm price, and the user clicks "Buy."
• The modal closes. Malcolm fires a backend webhook to the partner:

{
  "status": "insured",
  "policy_number": "AV-998"
}