Every year, more members move without updating their details. Tracing tools return results at varying confidence levels, and a low-confidence result introduces enough doubt that it cannot be acted on. Standard providers give you that uncertainty and leave you to manage it.

Navro's address tracing service draws on credit reference data, pre-loan application records, and internal historical data to confirm current address status and return verified new addresses. On average, it produces 25% more usable, high-confidence results than competing tracing tools.

Even good automated tracing leaves a grey zone: results that are not wrong but not certain enough to rely on. Most schemes sit on those results. The member is unresolved. The risk stays open.

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Navro's verification service reaches out directly to those members to confirm their address, converting uncertain results into verified ones. It covers every member who has moved, not just the straightforward cases.

Every month a deceased member receives a payment is a month of foreseeable, recoverable loss. Standard mortality screens catch the obvious cases but miss members in care homes or living with relatives, populations that don't appear on death records but are no longer living independently. Overseas members sit entirely outside routine UK screening.

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Navro's mortality screening uses official UK Government data and specifically targets the populations other screens miss. The result is 15% more deceased members identified compared to other providers, with a documented record of what was screened, when, and with what outcome.

When a member dies, the scheme's obligation does not end. It transfers. Failing to locate the right beneficiary is not a neutral outcome. Assets go unclaimed, regulatory exposure grows, and the trustee has no clean record of what steps were taken.

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Navro's automated beneficiary tracing finds a high-confidence match for an average of 80% of members, giving schemes a documented outcome for the vast majority of cases.

Liability calculations for buy-in and buy-out are only as accurate as the data behind them. Missing or incorrect spouse information creates pricing risk that compounds through the process. Errors found late are expensive. Errors found after completion are worse.

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Navro identifies marital status and spouse details across the full membership, with results categorised into clear relationship types and spouse date of birth included. On average, a spouse is identified for 86% of members.

Schemes that can only reach members by post are slower to verify, slower to resolve, and slower to respond when something changes. Digital contact is not a nice-to-have. It is the difference between a verification process that takes weeks and one that takes days.

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Navro sources consent-based contact data from financial providers, appending a verified email address for an average of 60% of members.

Some members have no data footprint that automated tools can reach. Their cases sit open, beneficiaries unfound, assets unclaimed. For these situations, complexity is the norm: relatives in unusual circumstances, members lost to the system for years.

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An experienced manual tracing team takes over where automation stops, locating members, relatives, and beneficiaries that no standard tool has been able to find.