Novium is a protection sourcing portal. It quotes the intermediary panel, produces the supporting quote research document, and passes the selected case to the insurer for application. Its central design problem is comparability. A client’s build and nicotine history move the price, but only part of the market can reflect that at quotation stage, which leaves an adviser ranking rated premiums against standard ones. Advisers are the primary users, and administrators can hold accounts and act for a group of them.