Contracts

During the life cycle an insurance contract can have different states. These are the following states:

• Proposal
  A proposal is an offer for the future policyholder. Since this is an offer there is no warranty coverage active. A proposal has a period of validity of 60 days and expires after this period. In the case the future policyholder accepts the proposal, it can be switched to an active contract.
• Contract
  Represents an active insurance contract. The selected warranties are covered.
• Endorsement
  Modifications to an active insurance contract are named endorsements. An endorsement has always an effective date and a type. Sometimes one type of endorsement excludes other types of endorsement at the same effective date.
• Derogation
  In some situations, an insurance contract must be accepted by the insurance company. This a called a derogation.
  So for instance, if a driver is to young to drive a car with an higher power, the proposal, contract or endorsement must be accepted by the insurance company. A derogation can be accepted or refused by the company.

The Web-API provides several methods to calculate the price (premium).

These are the differences between the calculation methods:

• Simplified quotation
  A simplified quotation needs the absolute minimum of parameters to get a price for a given contract type. It returns a general premium for the given contract type.
  This calculation is open for everyone and doesn’t need an authentication nor an authorization.
• Detailed quotation
  A detailed quotation calculation needs more specific entry parameters and due to this, it can return a more adapted and detailed premium.
  An active authentication is needed to use this calculation.
• Premium calculation
  A premium calculation needs the complete set of parameters to return the premium. It represents the highest level of details about the returned premium.
  An active authentication and an authorization is needed to use this calculation.

• Suspend
• Terminate
• Reactivate

General

Policyholder

Please refer to | Parties (aedessa.be)

Effect date

This value is automatically the smallest effect date of all warranties.

The start date can’t be in the past, it must be at least today + 1 day and can be maximum 15 months in the future.

Yearly due date

The yearly due date can be submitted using the dd/MM format.

Splitting type

This value is required for the creation of a contract.

The splitting type can be either yearly or monthly.

A monthly splitting needs a SEPA document, which can be created and/or provided after the subscription.

For more information: /lookup/policies/splittingtypes

Recipient of the notice

This value is required for the creation of a contract.

This value determines who will be the recipient of the notice.

There are 3 possible values :

• First notice goes to the broker, after that always to the policyholder.
• Always to the broker
• Always to the policyholder.

For more information: /lookup/policies/recipientnoticeofmaturitytypes

Broker reference

Text field that can be used to store an internal ID.

Risk object

Car brand

This value is required for the creation of a contract.

Must be a valid brand for a Pxx product. A list of all valid brands can be consulted using the following call:

/policies/carbrands/pxx

Car model

This value is required for the creation of a contract.

Must be a valid model for a specifique Pxx product. A list of all valid models of a brand can consulted be using the following call:

/policies/carmodels/pxx/{carBrandId}

Car power

This value is required for the creation of a contract.

The power of the car must be a number between 10 KW and 650 KW except for the P30 product where the maximal KW is limited to 144.

First registration date

This value is required for the creation of a contract.

Only cars up to 15 years old (14 years and 364 days) are covered.

Plate number

This value is required for the creation of a contract if a chassis number has not yet been specified.

Must be a valid Belgium plate number.

Chassis number

This value is required for the creation of a contract if a plate number has not yet been specified.

Must be a valid chassis number.

Utility véhicule

Determines if it is a utility car or not. This influences the tax rate to be applied.

Driver(s) / Conducteur(s) / Bestuurder(s)

Multiple drivers can be indicated. If the policyholder is a physical person, he must be included in this list.

The last name, first name, the complete address, the birth date, the driver license date, the birthplace, and the profession must be provided.

In case that a driver resides in Belgium, the postal code must be a valid Belgium postal code.

For more information: lookup/parties/localities/postcodes

At least one driver must be in the age range of the desired product.

It is possible to add additional drivers with a different age, but these additional drivers cannot be older than 75 (74 & 365 days) and can’t be younger than the minimum age for the desired product.

However, it is also possible to add younger drivers, but these may drive the car only occasionally (less than 3 times per month).

For exemple for a P50 car insurance, every driver must be at least 50.

The difference between the license date and the birthdate must be at least 17 years.

The driver’s license must be valid for at least 5 years.

A list of all valid professions can be consulted using the following call:

/parties/professions

Compagnie antecedents

At least on previous insurance compagnie of the last 5 years must be provided.

The compagnie name and the contract number at that time are the required values.

Warranties

The Pxx products allow the subscription of the following warranties:

• Civil liability
• Omnium
• ZEN Package
  • Vehicle assistance
  • Legal protection
  • Driver
• Person assistance
• Civil liability for a trailer

The civil liability for the car is automatically included and is not optional, so a effect date for this warranty must always be submitted.

Each warranty can have its own effect date, but this date cannot be more than 15 days into the past.

The smallest warranty effect date determines at the creation of the contract the contract effect date.

For the Omnium warranty, additional information can be submitted:

• The option to cover material damage. This option determines if the Omnium warranty is a full omnium or not.
• Information regarding the presence of an alarm system in the car.
• The invoice value of the car. This value determines the ceiling type of the car. There are 3 types of ceiling: normal, raised and lowered. The ceiling determines the value of the car in case of a total loss. A raised ceiling means also a higher fee and vise versa.

If a trailer should be covered as well, the following information need to be submitted:

• Effect date
• Trailer brand
  • Free text field
• Plate number
  • Requires a valid Belgium plate number.
• Chassis number
  • Requires a valid chassis number.

Claims history

The subscription of a contrat is only allowed if the policyholder has:

• no civil liability claim (in error) in the last 5 years
• no theft in the last 5 years
• no total loss in the last 5 years
• maximum 1 claim with expenditure in material damage higher than 1000€.

Normally the subscription of a contrat with a policyholder with 1 or more claims in the last 5 years will be rejected.

But for the P50 & P60 products, there exists a formula that allows the creation of a contract if the policyholder has 1 claim (and no more) in the last 5 years.

The premiums between this “P²” formula and the normal P products are different.

So how to get this premium:

In the input please set “numberOfClaimsAtFault” to 1 and the “policyholderBirthdate” to a value so that the age of the policyholder is between 50 & 59 (for P50) and 60 & 74 (for P60).

Description of the detailed quotation

Description of the proposal

Description of the contract

Description of endorsements

Description of the parameter calls

For the simplified quotation it is only necessary to provide de policyholder post code.

The result is a simplified array of different warranty types with their price in this structure.
– The premium amount vat included.
– The risk object type identifier.
– The warranty type identifier.

For the detailled quotation you need to provide.

• A valid broker code.
• The calculation date, the date when you want make the calculation.
•  The policyholder code, must be a valide policyholder code.
• The policyholder post code, must be a valid belgian post code.
• The different warranties you want to include.
  •  The broker commission rate, must be between -99.99 to +999.999, 0 or null if you are a broker.
  • The company segmentation rate, must be between -99.99 to +999.999
  • The effect date, the date when the warranty must take effect.
  • The warranty type identifier, is the warranty type you want to include, must be a valid one and unique in array.
  • If you include de comprehensive warranty you need the bike assistance and if you include the bike assistance you need the comprehensive both need to be together.

The result is a array of the different warranty types with the details and a sum of all these warranties.

For the premium calculation you need to provide.

• The calculation date, the date when you want make the calculation.
•  The policyholder code, must be a valide policyholder code.
• The policyholder post code, must be a valid belgian post code.
• The different warranties you want to include.
  •  The broker commission rate, must be between -99.99 to +999.999, 0 or null if you are a broker.
  • The company segmentation rate, must be between -99.99 to +999.999
  • The effect date, the date when the warranty must take effect.
  • The warranty type identifier, is the warranty type you want to include, must be a valid one and unique in array.
  • If you include de comprehensive warranty you need the bike assistance and if you include the bike assistance you need the comprehensive both need to be together.

The result is a array of the different warranty types with the details and a sum of all these warranties.

To create a proposal you need to provide:

• Abroker code.
• The policyholder code.
• An accounting expiring day in a correct format.
• Recipient of maturity type identifier, must be valid.
• A splitting type identifier.
• The different warranties you want to include.

• •  The broker commission rate, must be between -99.99 to +999.999, 0 or null if you are a broker.
  • The company segmentation rate, must be between -99.99 to +999.999
  • The effect date, the date when the warranty must take effect.
  • The warranty type identifier, is the warranty type you want to include, must be a valid one and unique in array.
  • If you include de comprehensive warranty you need the bike assistance and if you include the bike assistance you need the comprehensive both need to be together.
  • The effect dates must all be in between 12 month.

You can add:

• A notice.
• A broker reference.
• Documents (maximum 8).

The result is the new create proposal.

You need to provide the same elements as a creation but need to add de contract code in the url to know which contract needs to be updated.

You just need to activate a proposal by contract code to activate it as a policy.

You can endorse a policy.
For this you need to provide the data to change.

The rules are quite similar then a creation.

Some other operations are available.

• Get a proposal or policy by code.
• Suspend
• Reactivate
• Terminate
• Update without endorsement

Policyholder 

Please refer to | Parties (aedessa.be)

Pvelo Solo contract

General contract information:

Risk Object & Warranties

You will find in this table, the risk object information needed or not for each warranty

Cyclist

For every contract, we need to have at least one cyclist related to the risk object and 9 max.
There is only one case where we have rules that applied (see below).

Here is the cyclist info you need to provide:

For the simplified quotation you need to provide

• The policyholder post code, must be a valid belgian post code.
• Some bike data:
  • Is used for competition, true/false
  • Is padlock used, true/false
  • Is chip installed, true/false
  • Purchase date
  • Value

The result is a simplified array of different warranty types with their price in this structure.
– The premium amount vat included.
– The risk object type identifier.
– The warranty type identifier.

For the detailled quotation you need to provide.

• The broker code, is your broker code.
• The calculation date, is the date when you want make the calculation.
•  The policyholder code, must be a valide policyholder code.
• The policyholder post code, must be a valid belgian post code.
• The different warranties you want to include.
  •  The broker commission rate, must be between -99.99 to +999.999, 0 or null if you are a broker.
  • The company segmentation rate, must be between -99.99 to +999.999
  • The effect date, the date when the warranty must take effect.
  • The warranty type identifier, is the warranty type you want to include, must be a valid one and unique in array.
  • If you include de comprenhensive warranty you need the bike assistance and if you include the bike assistance you need the comprehensive both need to be together.
• Some bike data:
  • Is used for competition, true/false
  • Is chip installed, true/false
  • Value

The result is a array of the different warranty types with the details and a sum of all these warranties.

For the premium calculation you need to provide.

• The contract code, you need to save a contract before.
• The calculation date, is the date when you want make the calculation.
• The policyholder code, must be a valide policyholder code.
• The driver list by coutry and post code.
• The frame component type identifier.
• The different warranties you want to include.
  •  The broker commission rate, must be between -99.99 to +999.999, 0 or null if you are a broker.
  • The company segmentation rate, must be between -99.99 to +999.999
  • The effect date, the date when the warranty must take effect.
  • The warranty type identifier, is the warranty type you want to include, must be a valid one and unique in array.
  • If you include de comprenhensive warranty you need the bike assistance and if you include the bike assistance you need the comprehensive both need to be together.
• Some bike data:
  • Is used for competition, true/false
  • Is chip installed, true/false
  • Value

The result is a array of the different warranty types with the details and a sum of all these warranties.

You need to provide the same elements as a creation but need to add de contract code in the url to know which contract needs to be updated.

You just need to activate a proposal by contract code to activate it as a policy.

Some other operations are available.

• Get a proposal or policy by code.
• Suspend
• Reactivate
• Terminate
• Update without endorsement