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All certificationWedge two · Underwriting engine

The risk score insurers and warranty providers price from.

Battery warranty is written today against a distribution nobody has seen. Reserves are set wide because the tail is unknown, and the cost of that ignorance is carried by every policy in the book. Cellworth prices the tail.

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Who it's for

Three people who cannot do their job without this number.

Motor and warranty insurers

Writing battery cover on used EVs and reserving against a worst case they cannot bound.

Extended-warranty and RVI providers

Guaranteeing a residual value that turns almost entirely on a number they do not have.

Leasing and fleet finance

Setting end-of-contract values on assets whose principal component is unmeasured.

What they receive

What actually lands in your hands.

Risk score
Probability that a pack falls below a chosen threshold within a chosen term — the shape of the tail, not a point estimate.
Portfolio view
The same distribution aggregated across a book, so reserves can be set against the portfolio rather than the worst vehicle in it.
Monitoring
Re-scored as new charge sessions arrive, so a deteriorating pack is visible before it becomes a claim.
API
A REST endpoint that returns a scored decision at quote time, in the time a quote engine has to spare.

Specimen · CW-0417-A

Cellworth

Certificate of state of health

CertificateCW-0417-AIssued12 August 2026
Pack64 kWh NMC 622 pouch
SerialREF-2019-64NMC-0417
In serviceMarch 2020 · 540 EFC
State of health0.0%95% interval ± 1.8 pp
Remaining useful life0EFC95% interval 400 – 910 · ≈ 3 yr 10 mo at observed duty
100%95%90%85%80%END OF AUTOMOTIVE LIFETODAY03507001,0501,400
Method

Physics-informed degradation model fitted to charge-segment telemetry. No capacity test, no teardown.

Specimen document · fictional pack · not a valuation

Open the full A4 document

What it unlocks

Price the policy instead of padding it.

An underwriter does not need certainty, they need a distribution they can defend to a capital provider. Give them a calibrated one and the loading that currently covers ignorance can come out of the premium — which is a competitive product, not a cost saving.

How it starts
  1. 1 · Backtest

    We score a closed cohort from your historical book and you compare our distribution against the claims you actually paid.

  2. 2 · Integrate

    A quote-time endpoint, or a batch score against your existing book. No change to how you collect data.

  3. 3 · Reserve

    Priced per scored policy, with the calibration report your actuaries and your regulator will both ask for.

The other wedge
Wedge one

Second-life certification

A portable health certificate, so packs can be bought and sold.

Read it