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)",
"renewal_day_type": "EFFECTIVE_DATE",
"renewal_schedule": "NONE",
"traffic_rate": 0.75
},
"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",
"void_at": null,
"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,
"next_renewal_date": "2019-09-23T23:59:59.00Z",
"subscribed_quote": {
"id": "797ea252-8ee1-4583-b166-7f4ff4a00776",
"charged_premium": 49,
"insurance_plan": {
"id": "eb6d91f6-8ce7-4658-9c26-32ede3342618",
"name": "Peace of Mind",
"custom_attributes": {}
},
"coverages": {
"physical-damage": {
"name": "Physical Damage",
"description": null,
"premium": 59,
"limit": 1000000,
"deductible": 1500,
"deductible_type": "FLAT_VALUE",
"security_deposit": 3000,
"custom_attributes": {}
}
}
}
}
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
RFC 3339 date
Date of policy creation
updated_at
RFC 3339 date
Date of last policy update
void_at
RFC 3339 date
Date when policy is void
confirmed_at (deprecated)
RFC 3339 date
Date of the policy confirmation as received by Tint. Please consider using the issued_at field instead.
issued_at
RFC 3339 date
Date of policy issuance
next_renewal_date
RFC 3339 date
Date of next policy renewal
effective_date
RFC 3339 date
Date when the policy takes effect
term_end_date
RFC 3339 date
Date when the policy ends
cancelled_at
RFC 3339 date
Date when the policy was cancelled
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