“Better safe than sorry” is an old but very true saying. It’s also a core message at the heart of Bettersafe’s business purpose. Bettersafe products will give customers the peace of mind that, should they make a successful claim on one of their general insurance policies (such as home, motor and travel) or on a car hire insurance policy, Bettersafe will foot the bill for the customer’s excess. This means customers can save up to hundreds or even thousands of pounds.


Discover IT was asked to develop a website for Bettersafe Products Ltd. that will be used, initially, for selling Insurance Excess Protection and Car Hire Collision Damage Waiver (CDW) Protection. The site enables customers to obtain quotes and purchase Excess Protection for private motor vehicle, commercial van, home/contents and lifestyle insurance policies, as well as Car Hire CDW Protection. Payment clearance through the APCO payment gateway and documents issue are handled directly online.

Another requirement of the Bettersafe site is to allow different role accesses.

  • SEO administrators are only able to edit the website content.
  • Policy administrators can manage the policies (e.g. cancel policies or do partial refunds), but can’t edit the contents.
  • Company accountants are only able to search, view and download the custom reports (Sage 50 Accounting reports and daily sales reports).
  • Bettersafe power users can complete all of the above functions and can manage content, retrieve policies, manage policies and download a series of custom reports.


The most challenging aspect of the project was the integration of one of the Bettersafe products with their partner ComparaMeglio’s website, which is in Italian. The quote forms, payment gateway page, and order confirmation page (which are displayed inside an iframe on the ComparaMeglio site), and the associated custom tables reside on the Bettersafe site. While, of course, all the other UK products use English.

The Bettersafe website also requires the downloading and emailing of a number of documents at the point of purchasing a policy. Two of these are fixed PDF documents (Key Facts and Policy Wording). A Covering Letter and Policy Schedule are required to be dynamically created to include the policyholder and policy information.


Discover IT developed the insurance excess quote pages, by using custom table forms with localized strings, and the custom APCO payment gateway integrated with Kentico, which supports 3D-Secure and tokenisation. These pages are embedded into the iframe on the ComparaMeglio website and work seamlessly with the current workflow.

Discover IT developed a proprietary solution for dynamic PDF document generation, based on Microsoft Word templates. Providing for both English and Italian language versions, templates for a covering letter and individual schedules for each product are required.

Discover IT also provided a solution for integrating Sage Instant Accounts with the Bettersafe/ComparaMeglio transactions. An administrator function in the website is able to generate a CSV file that contains all Audit Trail transactions. This CSV file is in the exact format required by the import function in Sage Instant Accounts.

Particular attention has been paid, also, to the user interface design with different languages to ensure a smooth and efficient customer journey.