Chimnie UK Residential and Commercial Property Data

Chimnie provides continuously updated UK residential and commercial property intelligence, integrating Ordnance Survey data with hundreds of public and private sources. We run 30M+ virtual property assessments a month to deliver a unified property record per UK address (structure, rebuild, geospatial and environmental risk, market value, data quality). OS customers enrich underwriting, pricing, claims, credit, portfolio management and asset planning. Rapid address pre-fill; property verification; hazard overlays (flood, subsidence, tree proximity); valuation indicators; rebuild cost benchmarks. All mapped to UPRNs and OS identifiers with source lineage and coverage metrics for audit. Built to sit alongside existing suppliers so benchmarking and incremental adoption are easy. Delivery: real-time APIs, scheduled flat-file drops, consultancy for feature engineering, model validation and cost optimisation.

Chimnie combines authoritative Ordnance Survey location intelligence with hundreds of public commercial and derived data sources to deliver a continuously updated single source of truth for every UK address (30M+ virtual assessments/month).

What customers gain: Rapid address pre-fill and validation (reduce drop-out and errors); Richer underwriting and pricing (rebuild construction perils environmental risk at property level); Fraud and anomaly detection (change alerts for non-disclosure underinsurance suspicious activity); Faster lending and valuation (instant AVMs data flags for credit models and portfolio reviews); Transparent lineage and benchmarking (see sources coverage and model quality vs existing feeds); Flexible delivery and commercial terms (APIs bulk files consultancy; free proof-of-concept; pricing structured to avoid double-paying for national data including OS; high-volume lookups from under £0.01 per property).

In under two years Chimnie has become a credible next-generation property data bureau helping insurers MGAs lenders and data partners move beyond broad generalised enrichment to address-level precision across Great Britain. Founded by former Google innovation data scientist Jon Francis, Chimnie unifies Ordnance Survey location intelligence with hundreds of public licensed and proprietary datasets, enriched by AI computer vision and linking models to create a continuously updated single source of truth for every British property. Organisations are replacing legacy feeds, improving reinstatement estimates, speeding valuation desk reviews and embedding Chimnie data in risk and sustainability propositions. Early traction includes Chubb Hastings Direct Bspoke Private Clients plus platform partnerships with Percayso Inform Cytora and Twinn (Royal HaskoningDHV). Free proof-of-concept access available; UK market's only free AVM API launched 2024.

Industry recognition: Finalist Insurance Times Tech & Innovation Awards Insurance Start-Up 2025; Finalist British Insurance Technology Awards Technology Launch of the Year 2025; Finalist Insurance Post Best Start-Up 2025.

Recent outcomes: HNW MGA improved reinstatement pricing confidence after supplementing BCIS with Chimnie rebuild data; Personal lines insurer saw fewer mispriced risks and faster underwriting after replacing a legacy feed; Leading insurer refined pricing following retrospective modelling; Digital start-up priced competitively at launch while avoiding adverse selection using real-time Chimnie intelligence; Banking and insurance clients consuming integrated UK FloodScore via Chimnie platform.