API changelog: https://casco-qa.api.lifeishard.ro/changelog

Version	Release date	Description
1.0.0		Initial release • Product Groupama Leasing Casco • Product Generali Casco

Introduction

The Casco API service allows the generation of offers, the issuance of policies, as well as the printing of corresponding documents.

All requests (except for authentication requests) must contain the "Token" parameter in the Header, which contains an authorization token (JWT) obtained through authentication endpoints using credentials provided by Life Is Hard SA (as OPERATOR).

The service has an integration with the 24Broker application, and policies issued through the API will be automatically transferred to 24Broker. For this, the 24Broker instance and the email address of the account where the transfer is desired must be specified.

Attention! Changing the configured email address may result in policies not being transferred. In other words, if the email address of the account (24Broker) configured in the service is changed, then a request to modify the address in the API must be made.

Environments:

test/development: https://casco-qa.api.lifeishard.ro/ - this is a test environment, where are available latest changes
production: https://rca.api.lifeishard.ro/

The examples and definitions of the methods and resources offered by the service can be viewed through the Swagger UI platform: https://app.swaggerhub.com/apis-docs/Life-is-Hard3/casco.api.lifeishard.ro/

Access to the production environments is restricted to whitelisted IPs. To gain access, you need to contact the sales team.

The credentials used in the testing environment are not functional in the production environment.

Implemented products

Insurer	Identifier	Product
Generali	provider.organization.businessName: generali	product.name: casco
Groupama	provider.organization.businessName: groupama	product.name: casco-leasing
Eazy Insurance	provider.organization.businessName: eazy_insure	product.name: casco
Allianz MyCar	provider.organization.businessName: allianz	product.name: casco

Workflow

Step 1: Authenticate

Obtain a JWT token for authorization.
Send a request with the credentials provided by the OPERATOR (POST /auth).
A JWT token that must be included in the Authorization header for all subsequent API requests.

Step 2: Create Offer

Initiate an offer for the policy.
Call the Create Offer endpoint with the necessary offer details.
An offerId – this will be required in the next steps.

Step 3: Transform Offer to Policy

Convert the offer into a formal policy.
Use the previously obtained offerId to call the Transform Offer endpoint.
The response will contain the policy details.

Step 4: Download Documents

Retrieve both offer and policy documents.
Use the offerId (from Step 2) to download offer documents.
Use the policy series and number (from Step 3) to download policy documents.

Response types

The main structure of response is:

Parameter	Description
errors	Object containing validated fields that had errors with a corresponding message describing the issue. Note: only present when there is an error
message	Error message describing the issue.Note: only present when there is an error
correlation_id	Correlation identifier for error tracing.Note: only present when there is an error
data	Data related to the response.

The structure of the response can be divided into two major categories: successful response and error response.

Success

HTTP status code 200

Parameter	Description
data	(object)

Error

HTTP status code from 400 to 500

Parameter	Description
errors	Object containing validated fields that had errors with a corresponding message describing the issue.
message	Error message describing the issue.
correlation_id	Correlation identifier for error tracing.

The validation messages are set by default in English. To change the language of the validation messages to Romanian, add the following parameter in the request header: Content-Language, with the value: ro.

Endpoints

Authentication

POST /auth

This method is used to authenticate an account by account and password (provided by OPERATOR).

Request parameters

Parameter	Type	Required	Description
account	string	Yes	Provided access account
password	string	Yes	Provided access password

Response fields

Field	Type	Description
data	object
→ token	string	The JWT (JSON Web Token) used to authenticate future API requests.
→ expires_at	date time	The date and time when the JWT token will expire. Format: YYYY-MM-DD HH:MM:SS
→ refresh_token	string	A secure token used to obtain a new JWT when the current one expires.

PATCH /auth

This method is used to renew an authentication token based on the refresh token.

If the token has been successfully renewed, the generated response will have the same structure as the authentication response from the POST /auth endpoint.

DELETE /auth

This method is used to de-authenticate an existing and valid authentication token.

Create offer

offer-endpointPOST /offer

Request parameters

Example: https://casco-qa.api.lifeishard.ro/example/offer

Parameter	Type	Required	Description
provider	Provider Object	Yes	Information related to the insurer
product	Product Object	Yes	Information related to the product

provider-objectProvider Object

Parameter	Type	Required	Description
organization	object	Yes	Data object representing insurer’s data details
→ businessName	InsurerEnum	Yes	Insurer identifier
authentication	object	No	Data Object with credentials to access insurer’s web service
→ account	string	No	Insurer access account
→ password	string	No	Insurer access password
→ code	string	No	Insurer access code

product-objectProduct Object

Parameter	Type	Required	Description
name	ProductEnum	No	Product package name.Default: casco
motor	Motor Object	Yes	Data object representing information related to the product
coverages	array [Coverage Object]	Yes	Selected coverage list
policyholder	Person Object	Yes	Policyholder information
vehicle	Vehicle Object	Yes	Insured vehicle information
additionalData	Additional Data Object	No (depending on the product)

motor-objectMotor Object

Parameter	Type	Required	Description
startDate	date	Yes	Start date of the motor product
termTime	number	Yes	Term time in months
installmentCount	number	No	Number of installments
currency	CurrencyEnum	Yes	Currency in which the offer is generated
mentions	string	No	Any additional mentions or notes
withoutTax	boolean	No	Indicates if the motor product is without tax. Default: false
deductibles	object	No	Data object representing deductible details
→ partialDamage	number	No	Deductible amount for partial damage.Default: 0
→ totalDamange	number	No	Deductible percent for total damage.Default: 0
renewPolicy	object	No	Data object representing policy renewal details
→ series	string	Yes (if renewPolicy is present)	Old policy series
→ number	number	Yes (if renewPolicy is present)	Old policy number

coverage-objectCoverage Object

Parameter	Type	Required	Description
isIncluded	boolean	No	Indicates if the coverage is included
code	CoverageCodeEnum	Yes (if isIncluded is true)	Coverage code
insuredSum	number	No	The insured sum for the coverage( for some insurers this field can be ignored)

person-objectPerson Object

Parameter	Type	Required	Description
isLegalEntity	boolean	Yes	Indicates if the person is a legal entity
businessName	string	Yes (if isLegalEntity is true)	Business name of the legal entity
companyRegistryNumber	string	Yes (if isLegalEntity is true)	Company registry number
caenCode	number	No	CAEN code of the business
lastName	string	Yes (if isLegalEntity is false)	Last name of the person
firstName	string	Yes (if isLegalEntity is false)	First name of the person
isForeignPerson	boolean	No	Indicates if the person is a foreigner
taxId	string	Yes	Tax identification number (CNP/CUI)
nationality	string	No	Nationality of the person Default: RO Accepts any iso2 code from nomenclature /nomenclature/country
citizenship	string	No	Citizenship of the person Default: RO Accepts any iso2 code from nomenclature /nomenclature/country
gender	GenderEnum	No	Gender of the person
birthdate	date	No	Birthdate of the person
email	string	No	Email address of the person
mobileNumber	string	No	Mobile phone number of the person
drivingLicense	object	No	Driving license details
→ issueDate	date	Yes (if drivingLicense object is present)	Issue date of the driving license
identification	(object)	No	Data object representing a person's identification details
→ type	IdentificationTypeEnum	Yes (if identification object is present)	Type of the identification
→ idNumber	string	Yes (if identification object is present)	Identification number
→ issueAuthority	string	No	Authority that issued the identification
→ issueDate	date	No	Date the identification was issued
address	Address Object	Yes	Data object representing a person’s address details
hasDisability	boolean	No	Indicates if the person has a disability
isRetired	boolean	No	Indicates if the person is retired
residency	ResidencyEnum	No	Residency statuses of the person This field is included only when the person is a foreign national who holds a local identity card (ex. CNP issued in Romania).
politicalExposure	PoliticalExposureEnum	No	Political exposure statuses of the person

address-objectAddress Object

Parameter	Type	Required	Description
country	string	No	Country codeDefault: RO Accepts any iso2 code from nomenclature /nomenclature/country
county	string	Yes	County code Accepts any code from nomenclature /nomenclature/county
city	string	Yes	City name Accepts any name from nomenclature /nomenclature/locality/{county}
cityCode	number	Yes	City code Accepts any siruta from nomenclature /nomenclature/locality/{county}
street	string	Yes	Street name
houseNumber	string	No	House number
building	string	No	Building name or number
staircase	string	No	Staircase number
apartment	string	No	Apartment number
floor	string	No	Floor number
postcode	string	No	Postal code

vehicle-objectVehicle Object

Parameter	Type	Required	Description
user	Person Object	No	Vehicle user information
drivers	array [Driver Object]	No	List of drivers associated with the vehicle
licensePlate	string	No	License plate of the vehicle
registrationType	RegistrationTypeEnum	Yes	Registration type of the vehicle
vin	string	Yes	Vehicle Identification Number (VIN)
motorSeries	string	No	Vehicle motor series (if applicable)
vehicleType	VehicleTypeEnum	Yes	Type of the vehicle
brand	string	Yes	Brand of the vehicle
model	string	Yes	Model of the vehicle
yearOfConstruction	number	Yes	Year the vehicle was constructed
engineDisplacement	number	Yes (unless electric vehicles or trailers)	Engine displacement in cubic centimeters
enginePower	number	Yes (unless electric vehicles or trailers)	Engine power (kW)
totalWeight	number	Yes	Total weight of the vehicle in kilograms
seats	Number	Yes (unless trailers)	Number of seats in the vehicle
fuelType	FuelTypeEnum	No	Fuel type of the vehicle
firstRegistration	date	No	Date of the vehicle's first registration
usageType	UsageTypeEnum	Yes	Usage type of the vehicle
identification	object	No	Identification details of the vehicle
→ idNumber	string	No	Identification number
currentMileage	number	No	Current mileage of the vehicle in kilometers
keyNumber	number	No	Number of keys of the vehicle
color	ColorEnum	Yes	Color of the vehicle
marketValue	float	No	Market value of the vehicle
ptiExpiryDate	date	No	Vehicle's periodic technical inspection (ITP) expiration date
vignetteExpiryDate	date	No	Vehicle's vignette (rovinieta) expiration date
hasMobilityModifications	boolean	No	Indicates if the vehicle has mobility modifications.Default: false
isLeased	boolean	No	Indicates if the vehicle is leased. Default: false
isNew	boolean	No	Indicates if the vehicle is new. Default: false
isOwnerTransfer	boolean	No	Indicates if the vehicle is a transfer of ownership. Default: false
identifier	string	No	A unique identifier assigned to the vehicle base on the brand a model.

driver-objectDriver Object

Parameter	Type	Required	Description
firstName	string	Yes (if drivers is present)	Driver's first name
lastName	string	Yes (if drivers is present)	Driver's last name
taxId	string	Yes (if drivers is present)	Driver's tax identification number
identification	string	Yes (if drivers is present)	Identification details
→ idNumber	string	Yes (if identification is present)	Driver's identification number
mobileNumber	string	No	Driver's mobile phone number

additional-data-objectAdditional Data Object

Parameter	Type	Required	Description
rafCode	string	No	RAF code
motor	object	No	Motor-related data
→ contractType	ContractTypeEnum	Yes	Contract type
→ leasingContractNumber	string	No	Leasing contract number
vehicle	object	No	Vehicle related data
→ user	Additional Data User Object	No	User-related data
→ isAtv	boolean	No	Indicates if the vehicle is an ATV Default: false The field applies to: • groupama: casco-leasing
→ equipmentDescription	string	No	Additional equipment description, which will be covered
→ equipmentValue	number	Yes, if equipmentDescription is present	Additional equipment acquisition value
→ acquisitionDate	date	No	Date of acquisition of the vehicle
→ isFirstOwner	boolean	No	Indicates if the vehicle is the first owner. Default: false
→ specialAccordCashOnHand	boolean	No	Indicates if there is a special accord for cash on hands. Default: false
→ partnerNetworkRepairAgreement	boolean	No	Indicates if there is a partner network repair agreement. Default: false
→ coversMinorChildren	boolean	No	Indicates if the policy covers minor children. Default: false

additional-data-user-objectAdditional Data User Object

Parameter	Type	Required	Description
bonusMalusClass	BonusMalusEnum	No	Bonus-Malus class for vehicle user
bonusMalusClaims	number	No	Bonus/malus claims
noYoungDrivers	boolean	No	Indicates if there are no young drivers. Default: true

offer-responseResponse fields

Field	Type	Description
data	object	Represents the response data for a quotation
→ provider	Provider Response Object	Provider company related information
→ product	Product Response Object	Product related information
→ offers	array [Offer Object]	Represents quotation offers with its details

provider-response-objectProvider Response Object

Field	Type	Description
organization	object	Insurer’s data
→ businessName	InsurerEnum	Insurer identifier

product-response-objectProduct Response Object

Field	Type	Description
product	object	Product data
→ name	ProductEnum	Product type

offer-objectOffer Object

Field	Type	Description
offerId	number	Internal ID of the quotation offer
providerOfferCode	string	Provider's offer code
premiumAmount	float	Premium amount
currency	CurrencyEnum	Currency type
exchangeRate	(object)	Data object represents exchange rate information for a specific currency
→ currency	CurrencyEnum	Currency type
→ amount	float	The amount in the specified currency
→ exchangeRate	float	The exchange rate for the specified currency
payment	object	Data object represents the payment information
→ currency	CurrencyEnum	The payment currency, in our case RON
→ amount	float	The payment value
startDate	date	Start date of the offer validity
endDate	date	End date of the offer validity
installments	array [Installment Object]	List of installments
coverages	array [Coverage Response Object]	List of coverage's
offerExpiryDate	date	Offer expiry date
notes	string	Additional notes for the offer
pid	string	Url for Product Identification Document
toc	string	Url for Terms and conditions

installment-objectInstallment Object

Field	Type	Description
id	number	The unique identifier of the installment
amount	float	The amount of the installment
dueDate	date	The due date of the installment

coverage-response-objectCoverage Response Object

Field	Type	Description
code	CoverageCodeEnum	Coverage code
notes	string	Additional notes or comments related to the coverage

Issue offer

post-policyPOST /policy

Example: https://casco-qa.api.lifeishard.ro/example/policy

Request parameters

Parameter	Type	Required	Description
offerId	number	Yes	The unique identifier of the offer
payment	object	Yes	Data object representing a payment
→ method	PaymentMethodEnum	Yes	Payment method
→ currency	CurrencyEnum	Yes	Currency type
→ amount	float	Yes	Amount of the payment
→ date	date	Yes	Date of the payment
→ documentNumber	string	Yes	Document number associated with the payment

policy-responseResponse fields

Field	Type	Description
data	object	Represents the response data for a policy
→ policies	array [Policy Object]	Represents the details of a policy

policy-objectPolicy Object

Field	Type	Description
provider	Provider Response Object	Provider company related information
product	Product Response Object	Product related information
policyId	number	Internal ID of the issued policy
providerPolicyCode	string	Provider's policy code
series	string	The series of the policy
number	string	The number of the policy
payment	object	Data object representing a payment
→ method	PaymentMethodEnum	Payment method
→ currency	CurrencyEnum	Currency type
→ amount	float	Amount of the payment
→ date	date	Date of the payment
→ documentNumber	string	Document number associated with the payment
currency	CurrencyEnum	Premium amount currency type
premiumAmount	float	Premium amount
startDate	date	The start date of the policy
endDate	date	End date of the policy
installments	array [Installment Object]	List of installments
coverages	array [Coverage Response Object]	List of coverage's

Download document

Offer document

GET /offer/{offerId}

This API endpoint enables users to download the offer in PDF format.

You will need to provide the offerId received in the response from the offer request call to access the download feature.

Policy document

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

This API endpoint enables users to download the policy in PDF format.

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

Product-specific business rules

generali-cascoGenerali Casco

POST /offer

[Back to /offer]

Offers cannot be generated for foreign taxId policy holders or users
product.motor.startDate:
The date limit is current date + 30 days
product.motor.deductibles.partialDamage:
The accepted minimum value is 200
The accepted maximum value is 1000
product.motor.deductibles.totalDamage:
The only accepted value is 0
product.policyholder.isForeignPerson:
The only accepted value is false
product.vehicle.identifier:
the field is required
product.vehicle.usageType:
The only accepted values are [personal, security, distribution, courier, cargoTransportation]
product.vehicle.vehicleType:
The only accepted values are [M1, M1G, M2, M2G, M3, M3G, N1, N1G, N2, N2G]
product.vehicle.registrationType:
The only accepted values are registered or temporaryRegistered
product.vehicle.totalWeight:
The accepted maximum value is 3500
product.vehicle.currentMileage:
The accepted maximum value is 1000000
product.vehicle.marketValue:
The accepted maximum value is 50000 EUR
product.vehicle.yearOfConstruction:
The accepted minimal value is current year - 14
product.coverages.*.code:
check Coverage code enum list
coverage otherDriver is only available when product.policyholder is an individual person
product.additionalData.vehicle.user.bonusMalusClass:
The only accepted values are [B0, B1, B2, B3, B4, B5, B6, B7, B8, M1, M2, M3, M4, M5, M6, M7]
more to come …

groupama-cascoGroupama Casco

POST /offer

[Back to /offer]

product.coverages.*.code: check Coverage code enum list
more to come …

eazy-cascoEazy Insurance Casco

POST /offer

[Back to /offer]

product.motor.installmentCount:
The only accepted values are [1, 2, 4]
product.motor.deductibles.partialDamage:
The field is required
The only accepted values when product.motor.currency is RON is [500, 1000, 1500]
The only accepted values when product.motor.currency is EUR is [100, 200, 300]
product.policyholder.isForeignPerson
The accepted value is false (the insurer does not accept foreign persons)
product.policyholder.drivingLicense
The field is required
product.vehicle.user.isForeignPerson
The accepted value is false (the insurer does not accept foreign persons)
product.vehicle.user.drivingLicense
The field is required if product.vehicle.user is present
product.vehicle.vehicleType:
The only accepted values are [M1, M1G, ~~M2, M2G, M3, M3G~~, N1, N1G, ~~N2, N2G, N3, N3G, T, C, S, L1e, L2e, L3e, L4e, L5e, L6e, L7e~~] need to confirm all of them
product.vehicle.keyNumber:
Required field
The accepted minimum value is 2
The accepted maximum value is 7
product.vehicle.firstRegistration:
Required field
product.coverages.*.code: check Coverage code enum list
~~product.coverages.*.code is equal to totalLoss~~:
~~The coverage is available for vehicles up to 2 years old~~
product.coverages.*.code is equal to personAccidents:
If the insuredSum is less or equal to 1000 the SAFE package will be selected, for SAFE+ the insuredSum has to be greater then 1000
product.additionalData.vehicle.equipmentValue:
The field is required when product.additionalData.vehicle.equipmentDescription is set
The maximum values when product.motor.currency is RON is 7000
The maximum values when product.motor.currency is EUR is 2850
vehicle.registrationTypes accepted values are registered, temporaryRegistered
vehicle.yearOfConstruction minimum accepted value is up to 10 years old
vehicle.totalWeight maximum value is 3499
product.additionalData.personAccidentPlan accepted values are ‘SAFE', 'SAFE_PLUS’
If product.additionalData.vehicle.stolenVehicle is set to true, the offer cannot be completed.
If product.additionalData.vehicle.hasConstructionChanges is set to true, the offer cannot be completed.
If product.additionalData.vehicle.wheelOnTheRightSide is set to true, the offer cannot be completed.

The following coverage’s are included in the insured sum value by default:

collision → collision with other vehicles
impactWithPersonsOrObjects → collisions, impacts with moving or stationary objects, persons, or animals (outside the vehicle)
fallingObjects → falling objects onto the insured vehicle
vehicleDamage → rollovers, skidding
fireExplosion → fire, lightning, explosion
naturalHazards → meteorological natural phenomena (hail, storm, avalanche, etc.)
naturalDisasters → natural disasters (earthquake, flood, landslide)
liabilityRegress → liability regress (regres RCA)
international → international coverage

allianz-mycarAllianz MyCar Casco

POST /offer

[Back to /offer]

product.motor.startDate:
The start date value cannot be more then 44 days in the future
product.motor.currency:
The only accepted value is RON
product.motor.termTime:
The only accepted value is 12
product.motor.installmentCount:
The only accepted value is 1
product.policyholder.isLegalEntity:
The only accepted value is false
product.policyholder.firstName / product.vehicle.user.firstName:
The maximum character length is 200
product.policyholder.lastName / product.vehicle.user.lastName:
The maximum character length is 50
product.policyholder.identification:
The field is required
product.policyholder.mobileNumber:
The field is required
product.policyholder.email / product.vehicle.user.email:
The maximum character length is 50
product.policyholder.address.postcode:
The field is required
product.policyholder.address.city / product.vehicle.user.address.city:
The maximum character length is 100
product.policyholder.address.street / product.vehicle.user.address.street:
The maximum character length is 100
product.policyholder.address.houseNumber / product.vehicle.user.address.houseNumber:
The maximum character length is 10
product.policyholder.address.building / product.vehicle.user.address.building:
The maximum character length is 10
product.policyholder.address.floor / product.vehicle.user.address.floor:
The maximum character length is 6
product.policyholder.address.apartment / product.vehicle.user.address.apartment:
The maximum character length is 6
product.vehicle.usageType:
The only accepted values are [personal, taxi, drivingSchool, security, carRental]
product.vehicle.vin:
The minimum character length is 5
product.vehicle.yearOfConstruction:
The field is required
product.coverages.*.code: check Coverage code enum list

POST /policy

[Back to /policy]

payment.date:
The field has to be equal to the current date when payment.method is equal to broker receipt or pos
For other payment.method values the date can be the current date or a date in the future

Enums

insurer-enumInsurer enum

[Back to Provider Object]

generali
groupama
eazy-insurance

product-enumProduct enum

[Back to Product Object]

casco
casco-leasing

contract-type-enumContract type enum

[Back to Additional Data Object]

financial
operational
credit

coverage-code-enumCoverage code enum

[Back to Coverage Object]

Coverage code	Description	Insurers
vehicleDamage	Covers damages to the insured vehicle due to accidents or external events.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
vehicleEquipment	Covers damage or loss of additional or non-standard vehicle equipment.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
moto	Covers general risks specific to motorcycles.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
motoSeasons	Seasonal motorcycle coverage, active only during specified periods.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
motoEquipment	Covers protective gear and accessories for motorcycle riders.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
engineWaterAspiration	Covers damage from water entering the engine (e.g., driving through flooded roads).	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
wheelsTires	Covers damage of wheels and tires.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
roadAssistance	Basic roadside assistance for breakdowns, towing, or flat tires.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
roadAssistancePremium	Extended roadside assistance with additional services (e.g., travel accommodation, long-distance towing).	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
personAccidents	Covers injuries or death of vehicle occupants resulting from an accident.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
offroad	Covers damages occurring while driving off public roads or on unpaved terrain.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
exchangeCar	Provides a replacement vehicle during repairs or total loss processing.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
windowElements	Covers damage to glass components (windshields, windows, sunroof, etc.).	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
cargo	Covers transported goods against damage or loss.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
international	Extends vehicle insurance coverage when driving abroad.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
workingMachine	Covers work-specific machinery (e.g., cranes, bulldozers) under the policy.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
gpsSystem	Covers theft or damage of the installed GPS/navigation system.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
otherDriver	Covers use of the vehicle by drivers other than the primary insured	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
theft	Covers vehicle theft or attempted theft.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
vandalism	Covers intentional damage caused by third parties.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
naturalHazards	Covers common natural risks like hail, storm, or flooding.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
naturalDisasters	Covers extreme natural events such as earthquakes, floods, or landslides.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
collision	Covers damage resulting from collisions with other vehicles.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
deathClause	Pays compensation in case of the insured person’s death due to an accident.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
permanentDisabilityClause	Covers permanent disability of the insured person resulting from an accident.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
surgicalInterventionClause	Covers medical costs for surgeries required due to an accident.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
totalLoss	Coverage for total loss of the insured vehicle	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
impactWithPersonsOrObjects	Coverage for collisions, impacts with moving or stationary objects, persons, or animals (outside the vehicle)	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
fallingObjects	Coverage in case damage from falling objects onto the insured vehicle	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
fireExplostion	Coverage in case of loss or damage caused by flames, heat, or smoke.	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco
liabilityRegress	Coverage for liability regress (regres RCA)	generali: casco groupama: casco-leasing eazy-insurance: casco allianz: casco

gender-enumGender enum

[Back to Person Object]

m -> Male
f -> Female

identification-type-enumIdentification type enum

[Back to Person Object]

CI → Identity card
PASSPORT

residency-enumResidency enum

[Back to Person Object]

resident in Romania → A person who legally resides within the territory of Romania, either as a Romanian citizen or a foreign national with official residence status.
resident outside Romania but within the EC → A person who resides in a country that is part of the European Community (EC), excluding Romania.
resident outside the EC → A person who resides in a country outside the European Community, regardless of citizenship.

political-exposure-enumPolitical exposure enum

[Back to Person Object]

no
yes
person with a public management function

bonus-malus-enumBonus Malus enum

[Back to Additional Data User Object]

B0	B1	B2	B3	B4	B5
B6	B7	B8	M1	M2	M3
M4	M5	M6	M7	M8

registration-type-enumRegistration type enum