Insurance Quotation 3 min read
The Insurance Quotation capabilities let TPPs request quotes from LFIs on behalf of customers, drive the application through to policy issuance, and receive real-time status updates — across all seven major insurance sectors. The flow runs on the Client Credentials Grant: no per-customer consent is required at the Hub.
Insurance Service Provider
Access to the Insurance Quotation APIs requires the ISP role. This role must be assigned to your application in the Trust Framework before making any quote requests. See Roles for the full list of scopes and grant types this role permits.
Quote Comparison & Aggregation
Request quotes from one or more LFIs for a single customer and surface them side-by-side. Each LFI returns one or more quotes, each carrying its own QuoteId for downstream acceptance.
New, Renewal & Switch
Specify QuoteType on the request: New for first-time policies, Renewal for continuing with the same insurer, Switch for moving from an incumbent. See Quote Types for the per-type field requirements.
LFI-Led or TPP-Led
On accept, the LFI returns PolicyIssuanceAllowed declaring which steps you may perform. In LFI-Led mode the LFI hosts everything; in TPP-Led mode you collect KYC and redirect the customer to an LFI-hosted payment URL.
Real-time Status via Webhooks
Subscribe to status events by attaching a Subscription.Webhook object to the PATCH Accept Quote request. The Hub fans ApplicationPending, ApplicationApproved, PolicyIssued, Completed, and terminal events to your endpoint. Polling is the alternative if you prefer not to operate a webhook.
No Customer Consent
Insurance Quotation runs on the Client Credentials Grant. There is no per-customer consent journey on the Hub — your TPP authenticates as itself, and customer authorisation is gathered in your own UI or on the LFI's hosted screens.
Insurance types covered
All seven insurance sectors expose the same four endpoints. Where an LFI does not underwrite a given sector, the Hub returns 404 for that path.
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The full set of pages for the Insurance Quotation API on the TPP side.
Insurance Quotation — Requirements
Validation rules your TPP must follow when creating quotes, accepting, submitting KYC, subscribing to events, and creating policies.
New, Renewal & Switch
The semantic differences between the three QuoteType values and the per-type field requirements. Shared explainer linked from both LFI and TPP guides.
Insurance Quotation — API Guide
End-to-end walkthrough of the LFI-Led and TPP-Led flows, the webhook subscription mechanism, and the full Insurance Quote Event schema you receive on status changes.
Insurance Quotation — User Journeys
The end-to-end customer flow in your TPP app — quote selection, KYC collection (TPP-Led), payment redirect, and policy document presentation.