tlyfe and Eleos Life partnership brings embedded insurance protection to UK renters

In a first for the UK rental sector, Tlyfe (powered by OpenBrix) has partnered with digital insurer Eleos Life by adding embed life and income protection directly into its tenant app. Instead of navigating complex websites or lengthy forms, renters can now complete a fully digital sign-up in minutes, with no paperwork and instant decisions.

In a move set to redefine how renters access financial protection, Tlyfe, the innovative tenant lifecycle app now has a strategic partnership with Eleos Life, the UK-based digital life and income protection specialist. The collaboration aims to make essential insurance products more accessible, affordable, and seamlessly integrated into renters’ everyday digital experiences.

Eleos’s technology-led approach allows insurance to fit naturally into users’ digital ecosystems. Through low-code, plug-and-play API integrations, it has provided a compliant insurance solution that requires minimal setup or regulatory burden. This ensures Tlyfe can enhance its user offering while Eleos extends its reach to a historically underserved demographic PRS tenants.

As part of the partnership, Tlyfe users who take out Eleos life or income protection will also gain access to a suite of wellbeing services at no extra cost. These include 24/7 online GP access, mental health counselling, and physiotherapy, all benefits designed to promote holistic care and everyday peace of mind.

For Tlyfe, which already helps tenants manage everything from deposits to utilities in one app, the integration of insurance adds a new layer of value and convenience. Renters, who are often less likely to hold insurance compared with homeowners, can now protect their income and loved ones without friction, directly from an app they already trust.

In many ways this tie up reflects the future of protection, connecting with new tenant customers on the tlyfe app, where they already are, making essential protection easier to understand, easier to buy, and easier to use.

The collaboration embodies the next generation of embedded insurance — protection that’s accessible, digital, and human-centred. It’s another step forward in bridging the insurance gap for millions of renters across the UK.

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Andrew Stanton CEO Proptech-PR

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Survey Shack launches new Genie service, ready for government home-buying overhaul

Property inspection app Survey Shack has launched a new service as part of its Premium package. Genie adds expert post-inspection support from a professional surveyor to the app-guided property inspection experience.

Survey Shack is already on point when it comes to the Government’s new proposals to shake up and speed up the UK’s outdated and lengthy homebuying process. The Government proposals “will see sellers and estate agents required under the plans to provide buyers with vital information about a property upfront, including the condition of the home.”

One aim of this is to help end nasty surprises revealed by the current late stage of surveys, many of which result in costly and emotionally taxing last-minute sale and chain collapses.

Launched in October 2024, Survey Shack has already had a successful first year of giving buyers, sellers and estate agents more control over the property assessment process. The app combines surveying expertise with smart technology, offering an app-guided property inspection with step-by-step educational prompts and visual cues.

It helps the user confidently assess and understand a property, its condition and the local area at a far earlier stage in the process than a traditional survey takes place. All guidance, questions and responses have been crafted by qualified surveyors.

The new Genie service, available with the Survey Shack Premium package for under £100, adds to the app’s automated reporting by connecting the user with a professional surveyor for post-inspection clarification. The user can ask up to three specific questions, with the surveyor responding with practical guidance within 48 hours, based on the user’s queries and the relevant sections of the report.

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Andrew Stanton CEO Proptech-PR

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Week 22: Cut Your Insurance Premiums by 10% With Building Intelligence

In this weekly series, we explore how the commercial real estate industry is being transformed by data and digital infrastructure. Guided by the principles in Peak Property Performance, we unpack a new idea every week to help owners unlock value, reduce risk, and future-proof their portfolios. Learn more about OpticWise and Bill Douglas, the authors of this series.

Rising insurance premiums are hitting every corner of the commercial real estate world. But what if your building could actively lower that cost?

The truth is, the same digital tools that enhance tenant experience and drive ESG performance can also reduce risk—making your asset more insurable, and often, less expensive to insure.

Why Insurers Are Paying Attention

Insurers are data-driven. If you can demonstrate that your property proactively monitors risk—whether it’s leaks, air quality, equipment failure, fire systems, or unauthorized access—you become a lower-risk policyholder.

They want to know:

• Can the building detect issues early?
• Are there automated alerts for risk events?
• Is there a history of performance data to show reliability?

Unfortunately, most owners can’t answer “yes” to those questions—because their buildings are digitally blind.

From Passive Risk to Proactive Protection

When your building is equipped with the right data and digital infrastructure (DDI), it becomes a source of real-time intelligence:

• Water leak detection sensors trigger instant alerts to avoid catastrophic flooding.
• IAQ and fire detection systems keep records for compliance and accountability.
• Smart locks and access controls log every door event.
• Predictive maintenance algorithms flag aging equipment before it fails.

This isn’t just good operations—it’s what forward-thinking insurers want to see.

The 10% Premium Reduction is Real

Owners who implement building intelligence platforms—especially those that unify sensors, connectivity, and data flows—are beginning to negotiate lower premiums. Some carriers are offering 5–15% discounts for properties with:

• Verified leak detection
• Active energy management
• Smart surveillance and access logs
• Predictive maintenance with data trails

As the insurance industry faces growing pressure from climate events and aging infrastructure, the ability to show measurable risk reduction is a competitive advantage.

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Andrew Stanton CEO Proptech-PR

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