Data · 10 sources

Ten sources.
None of them ours.

We don’t own a single sensor, and that’s the point. A reading you can check against public data is a reading nobody has to argue about.

Meridian Ground Network

4,317 stations · 41 countries

Every 3 min

Halcyon Radar Mosaic

213 radars · 1 km grid

Every 7 min

NOAA satellite imagery

Geostationary imagery · 2 km infrared pixels at nadir

Every 10 min

USGS earthquake catalogue

Worldwide · complete to about Mw 4.5

Within minutes of an event, reviewed within hours

Copernicus ERA5 reanalysis

Global · about 31 km grid

Hourly, with a delay of a few days

Kestrel Gauge Network

2,846 gauges · 17 river basins

Every 12 min

Tern Flight Feed

3,904 airports · 61,800 flights a day

Every 2 min

Ostrander Seismic Array

386 broadband stations · Pacific Rim

Continuous, event solution within 4 min

Brackwater Coastal Buoys

148 moored buoys · 9 coastlines

Every 6 min

Fenwick Surface Sensors

1,279 sensors · farms, vineyards and rooftops

Every 9 min

(01) The rule

Three readings
or no payout.

Each cell value needs two of three independent sources inside the policy margin. Toggle the disagreement to see the fallback.

Ground station

Meridian Ground Network

168 km/h

14:21 EDT · every 3 min

Satellite estimate

NOAA satellite imagery

173 km/h

14:26 EDT · every 10 min

Doppler radar

Halcyon Radar Mosaic

171 km/h

14:24 EDT · every 7 min

140 → 190 km/h · tolerance band 166–176

Consensus · within ±3 % · 171 km/h recorded

What if one disagrees?

Ground station

Meridian Ground Network

168 km/h

14:21 EDT · every 3 min

Satellite estimate

NOAA satellite imagery

173 km/h

14:26 EDT · every 10 min

Doppler radar

Halcyon Radar Mosaic

171 km/h

14:24 EDT · every 7 min

140 → 190 km/h · tolerance band 166–176

Consensus · within ±3 % · 171 km/h recorded

What if one disagrees?

(02) Source index

Every feed we read,
and how often.

Meridian Ground Network

ground station

Every 3 min

4,317 stations · 41 countries

Wind, Rainfall, Heat, Flight delay

A fictional blend of national weather stations, airport sensors and private masts. Each station carries a siting grade, so a sheltered sensor never outvotes an exposed one. Tripline reads the three nearest stations to a cell and weights them by distance and grade.

Halcyon Radar Mosaic

radar

Every 7 min

213 radars · 1 km grid

Wind, Rainfall, Flood level

A fictional composite of overlapping weather radars, corrected for beam height and for ground clutter. It gives the rain and wind fields between stations, which is where a cell reading would otherwise be a guess.

NOAA satellite imagery

satellite

Every 10 min

Geostationary imagery · 2 km infrared pixels at nadir

Wind, Rainfall, Heat

Index data from public sources such as the geostationary imagery published by NOAA. Satellites see a whole storm at once, which makes them the tie-breaker when two ground sources disagree. Not a partner of Tripline Underwriting Ltd; named as an example of a public source.

USGS earthquake catalogue

seismic network

Within minutes of an event, reviewed within hours

Worldwide · complete to about Mw 4.5

Earthquake

Index data from public sources such as the earthquake catalogue published by the US Geological Survey. Each event has an automatic solution first and a reviewed one later; a Tripline policy states which of the two it pays on. Not a partner of Tripline Underwriting Ltd; named as an example of a public source.

Copernicus ERA5 reanalysis

satellite

Hourly, with a delay of a few days

Global · about 31 km grid

Rainfall, Flood level, Heat

Index data from public sources such as the ERA5 reanalysis of the Copernicus programme. It blends decades of observations into a consistent record. Tripline uses it to price a cell against its past, and to check a live reading against what the atmosphere was expected to do. Not a partner of Tripline Underwriting Ltd; named as an example of a public source.

Kestrel Gauge Network

river gauge

Every 12 min

2,846 gauges · 17 river basins

Flood level

A fictional network of staff gauges and pressure sensors on rivers, with a warning level set by each river authority. A gauge that goes silent is replaced in the policy schedule by the next gauge along the same river, and the swap is recorded in the settlement note.

Tern Flight Feed

aviation feed

Every 2 min

3,904 airports · 61,800 flights a day

Flight delay

A fictional aviation feed that reports scheduled and actual gate times for each named flight, together with cancellations and diversions. Tripline compares it with the airport's own record and takes the later arrival of the two.

Ostrander Seismic Array

seismic network

Continuous, event solution within 4 min

386 broadband stations · Pacific Rim

Earthquake

A fictional regional array that gives a second, independent magnitude for events near an insured location. A policy pays only when this value and the public catalogue agree within 0.3 magnitude units, or waits for the reviewed solution.

Brackwater Coastal Buoys

ground station

Every 6 min

148 moored buoys · 9 coastlines

Wind, Flood level

A fictional set of moored buoys that measure wind, pressure and wave height offshore. They are the only direct measurement of a storm before landfall, which is why the 36-hour alert reads them first.

Fenwick Surface Sensors

ground station

Every 9 min

1,279 sensors · farms, vineyards and rooftops

Heat, Rainfall

A fictional network of ground temperature and rain sensors placed by growers and building owners. Siting is inspected once a year. It adds density in the places where official stations are far apart, and is used to cross-check, never alone.

(03) Method

How a cell
is read.

01 · Grid

10 × 10 km

Every insured address belongs to exactly one cell.

02 · Median of three

168 · 171 · 173

The cell value is the median of the three sources.

03 · Margin

±3 %

Two of three must land inside the band, or no signature.

04 · Fallback

Station → satellite

If they don’t, the order in your schedule decides.

Public data programmes are named as examples of the kind of source an index can read. Product, agency and company names belong to their respective owners. Tripline Underwriting Ltd is not affiliated with or endorsed by them. Other sources listed are fictional and for demonstration only.

Questions

Triggers and data,
answered.

What do I actually buy?

A policy written in five numbers: an index, a location, a strike, an exit and a limit. When the reading in your cell crosses the strike, the policy pays a share of the limit; at the exit it pays all of it. There is no loss to prove, because the index is the measure.

What do I actually buy?

A policy written in five numbers: an index, a location, a strike, an exit and a limit. When the reading in your cell crosses the strike, the policy pays a share of the limit; at the exit it pays all of it. There is no loss to prove, because the index is the measure.

How is this different from a standard property policy?

A property policy pays for the damage a surveyor can document. A Tripline policy pays for a reading that an independent source can confirm. The first fits a slow, precise loss; the second fits a loss that is clear within hours and expensive if it waits. Many clients keep both and use the Tripline policy for cash in the first days.

How is this different from a standard property policy?

A property policy pays for the damage a surveyor can document. A Tripline policy pays for a reading that an independent source can confirm. The first fits a slow, precise loss; the second fits a loss that is clear within hours and expensive if it waits. Many clients keep both and use the Tripline policy for cash in the first days.

What is a cell?

A cell is a square of 10 by 10 kilometres on our grid, and it is the unit we measure. Your insured location belongs to exactly one cell, and the policy reads that cell and nothing else. The policy schedule shows the cell identifier, for example FL-0417, together with its latest reading.

What is a cell?

A cell is a square of 10 by 10 kilometres on our grid, and it is the unit we measure. Your insured location belongs to exactly one cell, and the policy reads that cell and nothing else. The policy schedule shows the cell identifier, for example FL-0417, together with its latest reading.

What does "strike" mean?

The strike is the reading at which the policy starts to pay. For wind it can be 150 km/h, for rainfall 43 mm in six hours, for a flight 187 minutes. Below the strike, nothing is owed and nothing needs to be argued; at the strike, Tier 1 pays 25 % of the limit.

What does "strike" mean?

The strike is the reading at which the policy starts to pay. For wind it can be 150 km/h, for rainfall 43 mm in six hours, for a flight 187 minutes. Below the strike, nothing is owed and nothing needs to be argued; at the strike, Tier 1 pays 25 % of the limit.

Where do the readings come from?

From at least three kinds of source for each peril, for example ground stations, radar and satellite for wind. The Data page lists the sources used in this demo, some of them public programmes and some fictional. Every settlement note names the sources it used and the value each one gave.

Where do the readings come from?

From at least three kinds of source for each peril, for example ground stations, radar and satellite for wind. The Data page lists the sources used in this demo, some of them public programmes and some fictional. Every settlement note names the sources it used and the value each one gave.

Next step

Which sources read
your address?

Send it to us. The quote names the cell, the three sources and the fallback order before you sign anything.

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