Policy

Policy is the fundamental basis of all other Tint endpoints. It represents a potential contract between an insurer and an insured. It can have one or several coverages.

The list of possible Policy attributes defined under policy_details is fully customizable. It can be retrieved with the Insurance Products endpoint. Please contact us if you need to update it.

Depending on the use case you are tackling with Tint, several entities can be attached to a Policy:

  • Scores: AI-powered risk assessment based on both policy details and external data,

  • Quotes: calculated premium, deductible, limit and deposit for each coverage you are offering,

  • Decisions: output of a customizable decision workflow

  • Claims: set of claims reported for this policy

{
"id": "080949ea-0de3-4690-8cb4-6f558118d7e5",
"session_identifier": {
"user_id": "unique-user-id"
},
"insurance_product_version": {
"id": "38855d0d-4305-468c-bde7-5246f82667bd",
"name": "+10 margin (Jan. 2021)"
},
"policy_details": {
"custom_id": "P-7600BN1",
"start_date": "2019-10-30T12:00:00.00Z",
"end_date": "2019-11-02T12:00:00.00Z",
"asset": {
"custom_id": "T-09918",
"type": "car",
"vehicle_make": "Toyota",
"vehicle_model": "Camry",
"vehicle_year": 2018
},
"renter": {
"custom_id": "U-73610",
"email_address": "[email protected]"
}
},
"created_at": "2019-08-11T12:42:51.00Z",
"updated_at": "2019-08-11T12:42:51.00Z",
"effective_date": "2019-09-17T00:00:00.00Z",
"term_end_date": "2019-09-21T23:59:59.00Z",
"cancelled_at": null,
"confirmed_at": null,
"issued_at": null
}

A Policy is represented by the following JSON object:

Field

Type

Description

id

UUID v4

Tint policy ID

session_identifier

Object

(optional)

An object identifying the end-user. More details about this field on the Policy creation documentation

insurance_product_version

Insurance Product Version (read-only)

An object identifying the version the policy has been assigned to.

policy_details

Object

Policy details describing who is the insured, what is the asset, and all other information you think are valuable for your own insurance product.

created_at

ISO 8601 date

Date of policy creation

updated_at

ISO 8601 date

Date of last policy update

confirmed_at (deprecated)

ISO 8601 date

Date of the policy confirmation as received by Tint. Please consider using the issued_at field instead.

issued_at

ISO 8601 date

Date of policy issuance

effective_date

ISO 8601 date

Date when the policy takes effect

term_end_date

ISO 8601 date

Date when the policy ends

cancelled_at

ISO 8601 date

Date when the policy was cancelled