Insurance Quotation 3 min read
The Insurance Quotation capability lets TPPs request quotes, drive the application through to policy issuance, and receive real-time status updates — for every insurance sector your LFI underwrites. Your Ozone Connect endpoints execute the quote and policy lifecycle; the Hub mediates and fans status events out to subscribed TPPs.
Insurance Service Provider
Access to the Insurance Quotation APIs requires TPPs to hold the ISP role. The API Hub validates the role on every request before proxying to your Ozone Connect endpoints. Unlike Insurance Data Sharing, there is no per-customer consent — TPPs authenticate with the Client Credentials Grant and act as themselves.
Quote Creation
Receive a quote request from a TPP on behalf of a customer and return one or more quotes for the named insurance sector. Quotes are sector-specific (Motor, Health, Home, Life, Employment, Renters, Travel) and carry a QuoteId the LFI mints and persists.
New, Renewal & Switch
Each quote request specifies a QuoteType of New, Renewal (the customer is renewing an existing policy with you), or Switch (the customer is moving from an incumbent insurer). See Quote Types for the per-type validation differences.
LFI-Led or TPP-Led
On accept, declare PolicyIssuanceAllowed — the steps you permit the TPP to handle. In LFI-Led mode you host customer verification, payment, and documents. In TPP-Led mode the TPP collects KYC and surfaces an LFI-hosted payment URL to the customer.
Status Updates via Quote Log
Emit status events through PATCH /insurance-quote-log/{logId} for every transition — ApplicationPending, ApplicationApproved, PolicyIssued, Completed, or any terminal state. The Hub records and (where the TPP subscribed) fans out to webhooks.
No Customer Consent
Insurance Quotation runs on the Client Credentials Grant. There is no per-customer consent journey on the Hub — the TPP authenticates as itself, and customer authorisation is gathered out-of-band by the TPP or via your hosted screens.
Insurance types covered
Implement the quote and policy endpoints for each insurance sector your LFI underwrites. The Hub routes requests by path; sectors you do not offer simply remain unmounted.
/employment-insurance-quotes/health-insurance-quotes/home-insurance-quotes/life-insurance-quotes/motor-insurance-quotes/renters-insurance-quotes/travel-insurance-quotesBrowse this section
The full set of pages for the Insurance Quotation API on the LFI side.
Insurance Quotation — Requirements
Validation rules and behaviour your Ozone Connect endpoints must follow across the quote, accept, and policy creation steps.
New, Renewal & Switch
The semantic differences between the three QuoteType values and the per-type field requirements. Shared explainer referenced from the TPP standards as well.
Insurance Quotation — API Guide
End-to-end walkthrough of the LFI-Led and TPP-Led flows, status emission via the quote-log, and the mapping from each PATCH to the event the Hub fans out.
Insurance Quotation — User Journeys
The hosted screens your LFI presents in LFI-Led mode (quote summary, customer verification, payment, documents) and the hosted payment URL handed back to the TPP in TPP-Led mode.