Tourist Policy Quote

This resource allows generating tourist policy quotes. A quote is required before issuing a policy.

Properties

The following properties are available for the returned entity after generating a quote. These properties are not meant to be submitted.

Name
folio_number
Type
string
Description
The unique folio number of the tourist policy. This data is essential for identifying the policy. It's used as a reference in all policy-related transactions.
Name
vehicle_valuation_usd
Type
float
Description
This field returns the valuation amount of the vehicle in USD.
Name
package
Type
object
Description
This object contains the policy package's data as well as its included coverages.
Name
receipt
Type
object
Description
This object contains details of the tourist policy, including the start and end dates, net premium, management fee, surcharge, tax, total premium, and commission.

POST/v1/tourist-policy/quote

Generate a quote

This endpoint allows the retrieval of insurance quotes from an specific insurance provider. It can be used to obtain accurate quotes for specified insurance packages. Upon supplying the required parameters, the endpoint processes the request and provides a detailed quotation, including metadata for each coverage, such as premiums and other pertinent data.

Required properties

Name
start_date
Type
string
Description
This is the date the policy would become active after being issued.
Name
end_date
Type
string
Description
This is the date the policy's insurance coverage would end.
Name
insurance_company_id
Type
string
Description
This is the unique identifier of the insurance company for which the quote will be generated.
An enum is available for this property in the official SDKs.
Name
package_id
Type
integer
Description
This parameter serves as the unique identifier for the insurance package for the quotation. It specifies the particular package for which the user seeks a quotation. It's important to note that the package_id is associated with a specific insurance provider. Hence, there's no need to explicitly specify the insurance provider in the request.
Name
vehicle
Type
object
Description
The vehicle information for policy issuance pertains to the object containing specific details about the insured automobile, including model ID, value, manufacturing year, description, and VIN. These details are crucial for determining insurance costs and ensuring adequate coverage in case of accidents or other insured events.
Name
trim_id
Type
integer
Description
This parameter indicates the vehicle's trim level. It is a required field in the quotation process and helps specify the exact model variant of the vehicle for accurate insurance quoting purposes.
Name
value
Type
string
Description
This property refers to the vehicle's value.
Name
year
Type
string
Description
This property refers to the vehicle's year. Insurance companies typically refrain from insuring vehicles older than a certain period. For instance, at Quálitas, they apply the following rules:

Full or limited coverage: 15 years back from the current year.

Third-party liability (basic coverage): 30 years back from the current year.

Optional properties

Name
add_on_coverages
Type
array<int>
Description
This optional parameter allows you to include add-on coverages provided by the previously selected insurance package. It enables policy holders to customize their insurance policy by adding supplementary coverages beyond the standard offerings of the selected package.
Name
excluded_coverages
Type
array<int>
Description
This optional parameter allows users to omit coverages that are classified as excludable. It enables policy holders to customize their policy by excluding specific coverages that they may not need or want.

Request

POST

/v1/tourist-policy/quote

curl -X POST https://covertier.com/api/v1/tourist-policy/quote \
     -H 'Content-Type: application/json' \
     -H 'X-Requested-With: XMLHttpRequest' \
     -H 'Authorization: Bearer {TOKEN}' \
     -d "{
             "insurance_company_id": {INSURANCE_COMPANY_ID},
             "package_id": { "id": {PACKAGE_ID} },
             "vehicle": { "trim_id": {TRIM_ID} },
             "start_date": {START_DATE}
             "end_date": {END_DATE}
         }"

Response

{
    "data": [
        {
            "folio_number": "0779388268",
            "package": {
                "id": 1,
                "display": "Amplia",
                "display_en": "Full",
                "coverages": [
                    {
                        "id": 1,
                        "short_name": "DM",
                        "display": "Daños Materiales",
                        "display_en": "Material Damage",
                        "is_add_on": false,
                        "is_excludable": false,
                        "insured_sum": 15000,
                        "deductible": 0.05,
                        "premium": 313.08
                    },
                    {
                        "id": 3,
                        "short_name": "RT",
                        "display": "Robo Total",
                        "display_en": "Theft",
                        "is_add_on": false,
                        "is_excludable": false,
                        "insured_sum": 15000,
                        "deductible": 0.1,
                        "premium": 223.63
                    },
                    {
                        "id": 6,
                        "short_name": "MC",
                        "display": "Muerte del Conductor X Accidente",
                        "display_en": "Driver Death",
                        "is_add_on": true,
                        "is_excludable": true,
                        "insured_sum": 362.26,
                        "deductible": 0,
                        "premium": 1.27
                    },
                    {
                        "id": 7,
                        "short_name": "GL",
                        "display": "Gastos Legales",
                        "display_en": "Legal Expenses",
                        "is_add_on": true,
                        "is_excludable": true,
                        "insured_sum": 3018.87,
                        "deductible": 0,
                        "premium": 0.01
                    }
                ]
            },
            "vehicle_valuation_usd": 239.5,
            "receipts": {
                "start_date": "2024-03-11",
                "end_date": "2025-03-11",
                "net_premium": "299.6",
                "management_fee": "25",
                "surcharge": "0",
                "tax": "51.94",
                "total_premium": "376.54",
                "commission": "98.86"
            }
        }
    ]
}