Assets API v1.3.0

Version	Date	Description	Author
1.3.0	2025-10-15	Added ExtendedWarranty	Alexandru Marinica & Catalin Fronea
1.2.0	2025-9-19	Added DigitalProtection & BusinessCyberProtection By LevIns	Alexandru Marinica & Catalin Fronea
1.1.0	2025-08-01	Added Tire Policy Product By Michelin	Alexandru Marinica
1.0.1	2025-04-15	Added House Assistance Product By Pointer	Catalin Fronea
1.0.0	2025-03-31	Added GAP Product By Colonnade	Alexandru Marinica
1.0.0	2025-03-31	Added Solar Panel Product by Colonnade	Alexandru Marinica
1.0.0	2025-03-31	Initial version	Alexandru Marinica

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1. Introduction

The Assets API service allows the generation of offers, the transformation of offers into policies, and the downloading of corresponding documents. All requests (except for authentication) must include the "Token" header containing the JWT obtained via the authentication endpoints (using credentials provided by Life Is Hard SA as OPERATOR).

Environments:

• Test/Development: https://assets-api-qa.api.lifeishard.ro/ – test environment with the latest changes.

• Production: https://assets-api.api.lifeishard.ro/

Access to both environments is restricted to whitelisted IPs. Please contact the sales team to gain access. Credentials valid in the test environment are not applicable in production.

1.1. Implemented products

Currently, the insurer “Colonnade” offers two products:

• solarPanel

• gap

Important: In the offer request, the product object includes both the solarPanel and gap sub-objects as examples. A valid request must include only one of these. The system automatically determines the product type: if the solarPanel key is present in the request, then the system will process the solarPanel product for Colonnade.

1.2. Workflow

To create a policy, follow these steps:

1. Authentication: Obtain a JWT token using OPERATOR-provided credentials.

2. Create offer: Submit an offer request. The response includes an offerId to be used in subsequent requests.

3. Transform offer to policy: Use the offerId from the offer step to transform the offer into a policy.

4. Download documents: Use the offerId to download offer documents and the policyId (from the transformation step) to download policy documents.

1.3. Response types

Responses consist of either a successful response or an error response:

• Success Response:  - status: 200–299  - data: Object containing the relevant response data.

• Error Response:  - errors: Array of error messages  - correlation_id: Internal error tracking ID  - status: 400–500  - data: (Optional) Additional data regarding the error.

Note: Validation messages are in English by default. To change them to Romanian, include the header parameter Content-Language: ro.

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2. Authentication

2.1. Authenticate account

• Endpoint: POST /auth

• Description: Authenticates an account using the provided account and password (credentials from the OPERATOR).

• Success Response: The response includes:

• token: The JWT for subsequent requests.

• expires_at: Expiry date/time in "YYYY-MM-DD HH:MM:SS" format.

• refresh_token: Token used to refresh the JWT.

2.2. Renew token

• Endpoint: PATCH /auth

• Description: Renews an authentication token using the provided refresh token.

• Response: Same structure as the authentication response.

2.3. De-authenticate account

• Endpoint: DELETE /auth

• Description: De-authenticates an active JWT token.

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3. Create offer

• Endpoint: POST /offer

• Description: Obtains a quote from the insurer for the specified product.

3.1. Request

3.1.1. Input parameters

Parameter	Type	Required	Description
provider	object	Yes	Contains insurer information.
provider.organization	object	Yes	Insurer’s data.
provider.organization.businessName	string	Yes	Insurer identifier (for Colonnade, use “colonnade”).
provider.authentication	object	Yes	Credentials to access the insurer’s web service.
provider.authentication.account	string	No	Account (provided by the OPERATOR).
provider.authentication.password	string	No	Password.
provider.authentication.code	string	No	Optional code.
product	object	Yes	Product object

Product Object

Parameter	Type	Required	Description
solarPanel	object	Yes, if you want quotation for solarPanel	SolarPanel Object
gap	object	Yes, if you want quotation for solarPanel	GAP Object
policyholder	object	Yes	Person object
additionalData	object	-	Depends on the insurer

Person object

Parameter	Type	Required	Description	Validation rules
businessName	string	Yes if it is present in the request	Business name (if the person is a legal entity)
companyRegistryNumber	string	Sometimes	Company registry number (if the person is a legal entity)	Mandatory for all products except SolarPanel and GAP
caenCode	number	No	CAEN code (if the person is legal entity)
lastName	string	Yes if businessName field is not present	Individual person's last name
firstName	string		Individual person's first name
taxId	string	Yes	• Personal identification code for natural persons • Tax identification number for non-natural persons	It must be a valid Romanian CNP if businessName field is not present and isForeignPerson is false (or it’s not present)
isForeignPerson	boolean	No	Indicates if person is foreign person
nationality	string	Yes if isForeignPerson is true	Nationality	Accepted values: iso2 codes from /nomenclature/country nomenclature. No validation applied if legal entity.
citizenship	string		Citizenship	Accepted values: iso2 codes from /nomenclature/country nomenclature. No validation applied if legal entity.
gender	string		Gender: • m => male • f => female	Accepted values: m, f No validation applied if legal entity.
birthdate	string		Date of birth	• Accepted format: YYYY-MM-DD • The date must be in the past. • No validation applied if legal entity.
email	string	Yes	Email address	It must be a valid email address.
mobileNumber	string	Yes	Mobile phone number	Exactly 10 digits (without prefix)
hasDisability	boolean	No		Cannot be set true if isRetired is set true or if is legal entity.
isRetired	boolean	No		Cannot be set true if hasDisability is set true or if is legal entity.
identification	object	Yes if businessName field is not present	Information's related to the identification document	Information required for individual
identification.idType	string	Yes if identification field is present	Type of the identification document	Only accepted value: CI
identification.idNumber	string	Yes if identification field is present	Series and number of the identification document	It must be a valid Romanian ID number
identification.issueAuthority	string	No	Issuer of the identification document
identification.issueDate	string	No	Issuing date of the identification document	Accepted format: YYYY-MM-DD
drivingLicense	object	No
drivingLicense.issueDate	string	Yes, if drivingLicense field is present	Issues date for Driver License.	Accepted format: YYYY-MM-DD Value cannot be greater than current date.
address	Address object	Yes	Person’s home address

Address object

Parameter	Type	Required	Description	Validation rules
country	string	No	iso2 country code	Accepted values: iso2 codes from /nomenclature/country nomenclature
county	string	Yes	County code	Accepted values: any code from /nomenclature/county nomenclature
city	string	Yes	Locality name	Accepted values: any name from /nomenclature/locality/{cod_judet} nomenclature
cityCode	number	Yes	Locality code	Accepted values: any siruta code from /nomenclature/locality/{cod_judet} nomenclature
street	string	Yes	Street
houseNumber	string	Yes	House number
building	string	No	Building
staircase	string	No	Staircase
apartment	string	No	Apartment
floor	string	No	Floor
postcode	string	No	Postcode

Vehicle object

The product object must include only one of the following mutually exclusive sub-objects:

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1. solarPanel Object

Parameter	Type	Required	Description
startDate	string	Yes	Effective start date of the policy (format: YYYY-MM-DD).
termTime	integer	Yes	Policy validity period in months.
solarPanelItems	array	Yes	Array of solar panel items (see table below).

solarPanelItem Object

Parameter	Type	Required	Description
category	string	Yes	Category (e.g., Photovoltaic/Solar/Heat Pump).
brand	string	Yes	Brand of the solar panel item (e.g., Tier-1 Canadian Solar 405W).
power	string	Yes	Power rating (e.g., “3”).
type	string	Yes	Type information (e.g., Single-phase, Supracharge, Three-phase).
count	integer	Yes	Number of items.
inverter	object	Yes	Inverter details.
smartMeter	object	Yes	Smart meter details.
installationDate	string	Yes	Installation date (format: YYYY-MM-DD).
address	object	Yes	Address information for installation (refer to Address section for details).

Inverter Object

Parameter	Type	Required	Description
brand	string	Yes	Ex: Huawei SUN2000-3/5/6/8/10KTL

smartMeter Object

Parameter	Type	Required	Description
brand	string	Yes	Ex: Smart meter Huawei

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2. GAP Object

Parameter	Type	Required	Description
startDate	string	Yes	Effective start date (format: YYYY-MM-DD).
termTime	integer	Yes	Policy validity period in months.
vehicle	object	Yes	Object containing complete vehicle details (see table below).

Vehicle Object

Parameter	Type	Required	Description
licensePlate	string	Yes	Vehicle license plate. Format and rules vary depending on registration type.
registrationType	string	Yes	Registration type (e.g., registered, recorded, temporaryRegistered, temporaryRecorded).
vin	string	Yes	Vehicle Identification Number (5–17 characters; excludes O, I, and Q if year > 1981).
vehicleType	string	Yes	Vehicle type (e.g., M1, M1G, etc.).
brand	string	Yes	Vehicle brand (e.g., Suzuki).
model	string	Yes	Vehicle model (e.g., Vitara).
yearOfConstruction	integer	Yes	Production year of the vehicle.
totalWeight	integer	Yes	Gross vehicle weight.
seats	integer	Yes	Number of seats.
usageType	string	Yes	Only vehicle usage type accepted is “personal” as of 30.05.2025
address	object	Yes	Address information for the vehicle (refer to Address section for details).

3. HouseAssistance Object

Parameter	Type	Required	Description
startDate	string	Yes	Effective start date (format: YYYY-MM-DD).
termTime	integer	Yes	Policy validity period in months.
builtArea	integer	Yes	Total constructed area of the property, including walls, balconies, and other built-up spaces, measured in square meters (or relevant unit).
usableArea	integer	Yes	Net usable area of the property, excluding walls and shared/common areas — only spaces that can be practically used, measured in square meters (or relevant unit).
address	object	Yes	Address information for the house (refer to Address section for details).

4. Tire object

Parameter	Type	Required	Description	Validation
startDate	string	Yes	Effective start date of the Tire cover.	Format YYYY-MM-DD. Must be ≥ today ≤ 60 days in the future
termTime	integer	Yes	Policy validity period in months.	Must be 12 or 24
purchaseDate	string	Yes	Date the tires were purchased.	Format YYYY-MM-DD. Must be ≤ today and ≥ 30 days ago.
purchasePrice	number	Yes	Purchase price of the set of tires, in RON.	Numeric > 0 and ≤ 8000.
vehicleBrand	string	Yes	Vehicle brand on which the tires are mounted.	Name value from Nomenclature: /nomenclature/vehicle-brand
vehicleModel	string	Yes	Vehicle model on which the tires are mounted.	Name value from Nomenclature: /nomenclature/vehicle-model/{vehicleBrandId}
tireMake	string	Yes	Manufacturer of the tires.	Code value from Nomenclature:/nomenclature/tire-brand As of 01.08.2025 the only accepted value is “michelin”
tireModel	string	Yes	Model name of the tire.	Name value from Nomenclature: /nomenclature/vehicle-model/{tireMakeCode}
tireWidth	integer	Yes	Wheel rim diameter in inches.	Size value from Nomenclature: /nomenclature/tire-size
dot	string	Yes	DOT (Department of Transportation) code of the tire.	Exactly 4 digits, representing week and year (e.g. 3719).

5. DigitalProtection object

Parameter	Type	Required	Description	Validation
startDate	string	Yes	Effective start date of the Digital protection cover.	Format YYYY-MM-DD. Min: tomorrow Max: today + 60
termTime	integer	Yes	Policy validity period in months.	Must be 12

6. BusinessCyberProtection object

Parameter	Type	Required	Description	Validation
startDate	string	Yes	Effective start date of the Business Cyber Protection cover.	Format YYYY-MM-DD. Min: tomorrow Max: today + 60
termTime	integer	Yes	Policy validity period in months.	Must be 12
installmentCount	integer	No	Number of payment installments	Must be between 1 and 4
website	string	Yes	Business website URL	Must be a valid URL
turnover	string	Yes	Annual business turnover	Enum: "less_than_100k","less_than_500k","less_than_1m"
numberOfEmployees	integer	Yes	Number of employees	Min: 1 Max: 100
numberOfComputers	integer	Yes	Total computers in business	Min: 1 Max: 25
numberOfInsuredComputers	integer	Yes	Number of computers to insure	Min: 1 Max: 25
numberOfServers	integer	Yes	Total servers in business	Min: 0 Max: 100
numberOfInsuredServers	integer	Yes	Number of servers to insure	Min: 0 Max: 100
hasFirewall	boolean	Yes	Business has a firewall
hasAntivirus	boolean	Yes	Business has antivirus software
wantsEndpointSoftware	boolean	Yes	Wants endpoint protection software
wantsEdrForComputers	boolean	Yes	Wants EDR for computers
wantsEdrForServers	boolean	Yes	Wants EDR for servers
insuredAmount	integer	Yes	Amount to insure in EURO	Min: 5000 Max: 100000

7. ExtendedWarranty Object

Parameter	Type	Required	Description
startDate	string	Yes	Effective start date (format: YYYY-MM-DD).
termTime	integer	Yes	Policy validity period in months.
vehicle	object	Yes	Object containing complete vehicle details (see table below).

Vehicle Object

Parameter	Type	Required	Description
licensePlate	string	Yes	Vehicle license plate. Format and rules vary depending on registration type.
registrationType	string	Yes	Registration type (only registered).
vin	string	Yes	Vehicle Identification Number (5–17 characters; excludes O, I, and Q if year > 1981).
vehicleType	string	Yes	Vehicle type (only M1).
brand	string	Yes	Vehicle brand VAG only (e.g., Volkswagen).
model	string	Yes	Vehicle model (e.g., Golf).
enginePower	integer	Yes	Vehicle engine power.
currentMileage	integer	Yes	Vehicle current mileage.
usageType	string	Yes	Only vehicle usage type accepted is “personal” as of 30.05.2025
isFirstOwner	boolean	Yes	Whether it is the first owner of the vehicle.
yearOfConstruction	string	Yes	Production year of the vehicle.
firstRegistration	string	Yes	Vehicle first registration date.
deliveryDate	string	No	Vehicle delivery date.

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Note: Only one sub-object (either solarPanel or gap for Colonnade, houseAssistance for Pointer, tire for Michelin or either digitalProtection or businessCyberProtection for Levins) should be included in a valid offer request. The system automatically determines the product type based on which key is present in the JSON payload.

3.1.2. Validation rules

Refer to the JSON schema for detailed validation rules (e.g., date formats, acceptable values for registration types, etc.). Note: Validation messages are in English by default. To change them to Romanian, include the header parameter Content-Language: ro.

3.2. Response

A successful response returns an Offer object in the data field with the following key properties:

Parameter	Type	Description
offerId	number	Unique identifier of the offer (used for policy transformation).
providerOfferCode	string	Unique identifier generated by the insurer.
premiumAmount	number	Premium amount (gross).
premiumAmountNet	number	Premium net amount.
currency	string	Currency of the offer.
startDate	string	Policy start date.
endDate	string	Policy end date.
referenceRate	number	Offer reference rate.
bonusMalusClass	string	Bonus-malus class used for premium calculation.
commissionValue	number	Commission value for the broker.
commissionPercent	number	Commission percentage.
greenCardExclusions	string	List of countries where the policy will not be applied.
notes	string	Additional notes.
offerExpiryDate	string	Expiry date of the offer (format: Y-m-d).
directCompensation	object	If applicable, details for direct compensation (providerOfferCode, premiumAmount, commissionValue, commissionPercent).
installments	object	Payment installment details (if applicable).
pid	string	PID file URL (if configured).
toc	string	Terms and Conditions file URL (if configured).

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4. Transform offer to policy

• Endpoint: POST /policy

• Description: Transforms an offer into a policy using the provided offer identifier.

4.1. Request

Parameter	Type	Required	Description
offerId	number	Yes	Unique identifier of the offer (obtained from the offer response).
payment	object	Yes	Payment details (see Payment object table below).
additionalData	object	No	Additional data as required by the product.

Payment object:

Parameter	Type	Required	Description
method	string	Yes	Payment method. Accepted values: pos, receipt, broker receipt and broker payment order.
currency	string	Yes	Payment currency (only RON is accepted at the moment).
amount	number	Yes	Payment amount in RON.
date	string	Yes	Payment date (format: YYYY-MM-DD).
documentNumber	string	Yes	Payment proof document details.

4.2. Response

The response returns a Policy object in the data field with the following key properties:

Parameter	Type	Description
policies	array	Array of Policy objects.

Each Policy object includes:

Parameter	Type	Description
policyId	number	Unique identifier of the issued policy.
series	string	Policy series.
number	number	Policy number.
payment	object	Payment details (see ResponsePayment object table).
startDate	string	Policy start date.
endDate	string	Policy end date.
premiumAmount	number	Value of the policy.
currency	string	Policy currency.
installments	object	Installment details (if applicable).

ResponsePayment object:

Parameter	Type	Description
method	string	Payment method as sent to the insurer.
currency	string	Currency used for payment.
amount	number	Amount paid.
date	string	Payment date.
documentNumber	string	Payment proof document details.

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5. Documents

5.1. Offer

• Endpoint: GET /offer/\{offerId\}

• Description: Downloads the offer in PDF format.

• Note: The downloaded PDFs will include the following documents:

• offer

• dnt

• pre-contract

• gdpr

• terms-and-conditions

5.2.1 Policy

• Endpoint: GET /policy/\{policyId\}

• Description: Downloads the policy in PDF format.

5.2.2 By policy series and number

Endpoint: GET /policy?series={series}&number={number}

You will need to provide the series and number received in the response of transform offer into policy call to access the download feature.

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6. Product-specific parameters

For the Assets API, additional product-specific parameters are required for the insurer Colonnade and Pointer.

6.1. Colonnade

SolarPanel Validations:

Parameter	Type	Required	Description
product.solarPanel.solarPanelItems.*.installationDate	string	Yes	Max 2 years in the past
product.solarPanel.termTime	number	Yes	By =&lt;&gt; It strictly mean comparing whether installationDate (which is a date) is less than, greater than, or equal to the specified number of years. • If installationDate = 2 years, then the policy can be issued for 1 to 4 years. • If installationDate = 1 year, then the policy can be issued for 1 to 5 years. • If installationDate < 1 year, then the policy can be issued for 1 to 6 years. The value must be provided in months, not years. Please convert the selected number of years by multiplying it by 12 before sending (e.g., 2 years → 24 months).

GAP Validations:

Parameter	Type	Required	Description
product.gap.termTime	number	Yes	Must be 12

For both the solarPanel and gap products, the following additional data is mandatory:

AdditionalData for Colonnade – SolarPanel

Parameter	Type	Required	Description
purchasePrice	number	Yes	Purchase price in RON. Must not exceed 150000.

AdditionalData for Colonnade – General

Parameter	Type	Required	Description
agreements	object	Yes	Object containing mandatory agreement flags.

agreements Object Structure

Parameter	Type	Required	Description
gdpr	boolean	Yes	Must be true.
consultation	boolean	Yes	Must be true.
dnt	boolean	Yes	Must be true.

If the policyholder is a legal entity, the following field is also mandatory:

Parameter	Type	Required	Description
policyholder.hasRelationsWithRussiaOrBelarus	boolean	Yes, if policyholder is PJ	Must be false. Indicates that the policyholder has NO relations with Russia or Belarus.

6.2. Pointer

For houseAssistance product, the following additional data is mandatory:

AdditionalData for Pointer – HouseAssitance

Parameter	Type	Required	Description
packageCodes	array	No	A list of selected package codes for which offers will be generated.

6.3. Michelin

For tire product, the following additional data is mandatory:

Parameter	Type	Required	Description
agreements	object	Yes	Object containing mandatory agreement flags.

agreements Object Structure

Parameter	Type	Required	Description
purchased4Tires	boolean	Yes	Must be true.
michelinDataAgreement	boolean	No
customerAgreement	boolean	Yes	Must be true.
marketingConsent	boolean	No

6.4. LevIns

6.4.1. LevIns - DigitalProtection

This product is strictly for individual customers only, the policyholder must be an individual person.

6.4.2. LevIns - BusinessCyberProtection

This product is strictly for business customers only, the policyholder must be a business.

6.5. Porsche

The Extended Warranty product offers additional protection for vehicles beyond the standard manufacturer warranty. Eligible vehicles must be registered, have a maximum mileage (180.000km), and meet specific criteria such as brand (Volkswagen, Audi, Seat, Skoda, Cupra, Bentley, Lamborghini, Bugatti, Porsche), usage type (personal), and a maximum age (year of construction within the last 7 years).