Assets API v1.5.0

Version	Date	Description	Author
1.5.0	2026-04-17	Added Electronics Product By LG	Alexandru Marinica
1.4.0	2026-04-16	Added Tire Fleet Product By Michelin	Alexandru Marinica
1.3.0	2025-10-15	Added ExtendedWarranty	Alexandru Marinica & Catalin Fronea
1.2.0	2025-09-19	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

Table of Contents

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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 following insurers and products are implemented:

• Colonnade: solarPanel, gap

• Michelin: tire, tireFleet

• LevIns: digitalProtection, businessCyberProtection

• Pointer: houseAssistance

• Allianz: houseAssistance

• Porsche: extendedWarranty

• LG: electronics

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: 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 a quote for solarPanel	SolarPanel Object
gap	object	Yes, if you want a quote for GAP	GAP Object
electronics	object	Yes, if you want a quote for LG Electronics	Electronics Object
policyholder	object	Yes	Person object
additionalData	object		Depends on the insurer

Person object

Parameter	Type	Required	Description	Validation rules
businessName	string	Yes if 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 a legal entity)	‌
lastName	string	Yes if businessName is not present	Individual person's last name	‌
firstName	string	Yes if businessName is not present	Individual person's first name	‌
taxId	string	Yes	Personal identification code for natural persons; tax ID for legal persons	Must be a valid Romanian CNP if businessName is not present and isForeignPerson is false (or missing)
isForeignPerson	boolean	No	Indicates if person is foreign	‌
nationality	string	Yes if isForeignPerson is true	Nationality	Accepted values: iso2 codes from /nomenclature/country nomenclature. No validation for legal entities.
citizenship	string	Yes if isForeignPerson is true	Citizenship	Accepted values: iso2 codes from /nomenclature/country nomenclature. No validation for legal entities.
gender	string	Yes if isForeignPerson is true	Gender: m (male), f (female)	Accepted values: m, f. No validation for legal entities.
birthdate	string	Yes if isForeignPerson is true	Date of birth	Format: YYYY-MM-DD. Must be in the past. No validation for legal entities.
email	string	Yes	Email address	Must be a valid email address.
mobileNumber	string	Yes	Mobile phone number	Exactly 10 digits (without prefix).
hasDisability	boolean	No	‌	Cannot be true if isRetired is true or if legal entity.
isRetired	boolean	No	‌	Cannot be true if hasDisability is true or if legal entity.
identification	object	Yes if businessName is not present	Information related to the identification document	Required for individuals.
identification.idType	string	Yes if identification is present	Type of the identification document	Only accepted value: CI.
identification.idNumber	string	Yes if identification is present	Series and number of the identification document	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	Format: YYYY-MM-DD.
drivingLicense	object	No	‌	‌
drivingLicense.issueDate	string	Yes, if drivingLicense field is present	Issue date of the driver's license	Format: YYYY-MM-DD. Value cannot be greater than current date.
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 (SIRUTA)	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:

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 (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 (see Address section).

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

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 (for GAP)

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, Q if year > 1981).
vehicleType	string	Yes	Vehicle type (e.g., M1, M1G).
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 (see Address section).

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 (m²).
usableArea	integer	Yes	Net usable area of the property, excluding walls and common areas (m²).
address	object	Yes	Address information for the house (see Address section).

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 only "michelin" is accepted.
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 days.
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.	Format YYYY-MM-DD. Min: tomorrow. Max: today + 60 days.
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 (for ExtendedWarranty)

Parameter	Type	Required	Description
licensePlate	string	Yes	Vehicle license plate.
registrationType	string	Yes	Registration type (only registered).
vin	string	Yes	Vehicle Identification Number.
vehicleType	string	Yes	Vehicle type (only M1).
brand	string	Yes	Vehicle brand (only VAG: Volkswagen, Audi, Seat, Skoda, Cupra, Bentley, Lamborghini, Bugatti, Porsche).
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".
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.

8. Electronics Object (LG)

Parameter	Type	Required	Description	Validation
purchaseDate	string	Yes	Date the device was purchased.	Format YYYY-MM-DD. Must be ≤ today and ≥ 15 days ago.
purchasePrice	number	Yes	Purchase price of the device, in RON.	Numeric > 0.
productCategory	string	Yes	Device category.	Accepted values: audio_video, televizor, frigider, masina_spalat, monitor, aer_conditionat. See /nomenclature/electronics-product-category.
productBrand	string	No	Device brand (e.g., lg).	‌
productModel	string	No	Device model name (e.g., OLED65C3).	‌
invoiceNumber	string	Yes	Invoice/fiscal document number.	‌

Note: Only one sub-object (either solarPanel or gap for Colonnade, houseAssistance for Pointer, tire / tireFleet for Michelin, digitalProtection or businessCyberProtection for LevIns, extendedWarranty for Porsche, electronics for LG) 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.
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, 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).
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 insurers Colonnade, Pointer, Michelin, LevIns, Porsche and LG.

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	Depending on installationDate: - if = 2 years → 1‑4 years (12‑48 months)- if = 1 year → 1‑5 years (12‑60 months)- if < 1 year → 1‑6 years (12‑72 months). Value must be sent in months.

GAP Validations:

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

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 a legal entity	Must be false. Indicates that the policyholder has NO relations with Russia or Belarus.

6.2. Pointer

For the houseAssistance product, the following additional data is mandatory:

AdditionalData for Pointer – HouseAssistance:

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

6.3. Michelin

6.3.1. Michelin - Tire

For the tire product, the following additional data is mandatory:

AdditionalData for Michelin – Tire:

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	‌

6.3.2. Michelin - Tire Fleet

The Tire Fleet product allows fleet operators to insure multiple vehicles' tyres under a single policy. The quotation always returns 4 offers (2 packages × 2 durations: 12 and 24 months) computed locally — no external insurer call is made during the quotation step.

Packages & Pricing:

Package Code	Package Name	12 months (per vehicle)	24 months (per vehicle)
var_1	Varianta 1	80 RON	125 RON
var_2	Varianta 2	90 RON	145 RON

Final premium = unit price × number of vehicles (VAT 21% included). Commission: 30%.

The providerOfferCode in the response encodes the selected package and duration as \{packageCode\}:\{termTime\}:\{uuid\} (e.g., var_1:12:550e8400-e29b-41d4-a716-446655440000). This allows the policy issuance step to reconstruct the offer without additional lookups.

product.tireFleet Object:

Parameter	Type	Required	Description
startDate	string	Yes	Policy start date. Format: YYYY-MM-DD. Must be today or in the future.
vehicles	array<Vehicle>	Yes	Array of Vehicle objects. Minimum 1 vehicle required.

Vehicle Object (within tireFleet.vehicles):

Parameter	Type	Required	Description
vehicleBrand	string	Yes	Vehicle brand name (e.g., SUZUKI, DACIA).
vehicleModel	string	Yes	Vehicle model name (e.g., Vitara, Logan).
purchaseDate	string	Yes	Tyre purchase date. Format: YYYY-MM-DD.
purchasePrice	number	Yes	Total purchase price for the set of 4 tyres (RON). Minimum 1.
tireMake	string	Yes	Tyre brand (e.g., michelin).
tireModel	string	Yes	Tyre model (e.g., ALPIN 6, PRIMACY 4).
tireWidth	integer	Yes	Tyre width in inches. Minimum 1.
dot	string	Yes	DOT code of the tyre. Exactly 4 characters (e.g., 3719).

additionalData for Michelin - Tire Fleet:

Parameter	Type	Required	Description
agreements	object	Yes	Object containing mandatory agreement flags.
notes	string	No	Optional notes attached to the policy.

agreements Object Structure (for Tire Fleet):

Parameter	Type	Required	Description
purchased4Tires	boolean	Yes	Must be true. Confirms 4 tyres were purchased per vehicle.
customerAgreement	boolean	Yes	Must be true. Customer consent agreement.
michelinDataAgreement	boolean	No	Michelin data processing agreement.
marketingConsent	boolean	No	Marketing communications consent.

Documents:

Document Type	Endpoint	Source
Offer PDF (PID + T&C)	GET /offer/{offerId}	Local files stored in the application (no Atlas call).
Policy PDF	GET /policy/{policyId}	Downloaded from the Atlas document service using the policy code.

Example Offer Request (Tire Fleet):

jsonwide760

Example Offer Response (4 offers returned for 2 vehicles):

wide760

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 (180,000 km), 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).

6.6. LG

6.6.1. LG - Electronics

The Electronics product provides two types of insurance coverage for consumer electronics devices purchased within the last 15 days:

• ADT (Accident Damage and Theft) — accidental damage & theft cover. Available for 12, 24 or 36 months. Coverage starts today (date of offer).

• EW (Extended Warranty) — extended warranty cover. Available for 12 or 24 months. Coverage starts after the manufacturer warranty expires:

• Individual policyholder (PF): purchaseDate + 2 years

• Legal entity policyholder (PJ): purchaseDate + 1 year

The quotation always returns 5 offers computed locally — no external insurer call is made during the quotation step:

• ADT 12 months

• ADT 24 months

• ADT 36 months

• GE 12 months

• GE 24 months

Pricing:

Premium = purchasePrice × percentage / 100. The percentage depends on the product category and the package/duration chosen. Commission: 30%.

			ADT 36m	GE 12m	GE 24m
audio_video	5.0%	8.5%	12.0%	5.0%	9.5%
tv	5.0%	8.5%	12.0%	5.0%	9.5%
refrigerator	3.0%	5.5%	8.0%	5.0%	9.5%
washing_machine	3.0%	5.5%	8.0%	5.0%	9.5%
monitor	4.0%	7.0%	10.0%	5.0%	9.5%
air_conditioning	3.0%	5.5%	8.0%	5.0%	9.5%

The providerOfferCode encodes the package and duration as \{packageCode\}:\{termTime\}:\{uuid\} (e.g., daf:12:550e8400-e29b-41d4-a716-446655440000).

Nomenclature:

Product categories can be retrieved from: GET /nomenclature/electronics-product-category

product.electronics Object:

Parameter	Type	Required	Description	Validation
purchaseDate	string	Yes	Date the device was purchased.	Format YYYY-MM-DD. Must be ≤ today and ≥ 15 days ago.
purchasePrice	number	Yes	Purchase price in RON.	Numeric > 0.
productCategory	string	Yes	Device category.	See /nomenclature/electronics-product-category for accepted values.
productBrand	string	No	Device brand (e.g., lg).	‌
productModel	string	No	Device model (e.g., OLED65C3).	‌
invoiceNumber	string	Yes	Invoice / fiscal document number.	‌

additionalData for LG - Electronics:

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

agreements Object Structure:

Parameter	Type	Required	Description
termsAndConditions	boolean	Yes	Must be true. Customer accepts terms and conditions.
dataPrivacy	boolean	Yes	Must be true. Customer accepts data privacy policy.
marketingConsent	boolean	No	Marketing communications consent.

Example Offer Request (LG Electronics):

jsonwide760

Example Offer Response (5 offers returned for televizor, purchasePrice = 5000 RON):

jsonwide760

Note: For DAF offers, startDate is always the current date (date of quotation). For GE offers, startDate is purchaseDate + 2 years for individual policyholders (PF) and purchaseDate + 1 year for legal entity policyholders (PJ).

Documents:

Document Type	Endpoint	Source
Offer PDF	GET /offer/{offerId}	Local files stored in the application (no Atlas call).
Policy PDF	GET /policy/{policyId}	Local files stored in the application (no Atlas call).