Implementation manual for client communication with the web service.

Version	Date	Description
1.4.2	2025-03-25	• New endpoint: GET policy?series=\{series\}&number=\{number\}
1.4.1	2025-02-07	• Made error messages for unavailable insurer services more user-friendly. • The issue of reporting Allianz policies without a PDF in 24Broker has been resolved.
1.4.0	2024-11-20	• New product: DallBogg RCA • The houseNumber field is no longer mandatory (except for Axeria) • The GET /vehicle endpoint has been improved.
1.3.0	2024-06-19	• Added new api endpoint: GET /vehicle
1.2.0	2023-11.29	• eAdded Romanian language translation messages. • Extended the maximum effective date for RCA contracts from 30 days to 60 days. • Implemented the Credentials module to manage insurer credentials; provider.authentication is now optional. • Improvements: performance, stability and refinement of validation rules
1.1.1	2023-09-05	• Removed required validations from identification.issueAuthority. • Removed required validations from identification.issueDate.
1.1.0	2023-08-11	• Removed special validations from commissionPercentLimit. • POST /offer (Response) - New parameters: directCompensation.commissionValue and directCompensation.commissionPercent • POST /policy (Request): Extra data for Asirom has been removed • New product: EazyInsure RCA
1.0.1	2023-08-08	Grawe: The requirement of gender for non-foreign individuals was eliminated.
1.0.0	2023-06-06	Initial version

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

1. Introduction

The RCAApi 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://rca-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/rca.api.lifeishard.ro/

Access to both 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.

1.1. Implemented products

Insurer	Identifier
Allianz	insurer: allianz
Asirom	insurer: asirom
Axeria	insurer: axeria
Generali	insurer: generali
Groupama	insurer: groupama
Hellas Autonom	insurer: hellas_autonom
Hellas NextIns	insurer: hellas_nextins
Omniasig	insurer: omniasig
Grawe	insurer: grawe
Eazy Insure	insurer: eazy_insure
DallBogg	insurer: dallbogg

1.2. Workflow

Creating policy:

1. Authentication Obtain a JWT token using credentials provided by OPERATOR

2. Create offer the response includes the [offerId] – this id will be needed in the following requests

3. Transform offer to policy use [offerId] from the offer step for policy to get the policy data

4. Download documents use [offerId] from the offer step to get offer documents, and [policyId] from the transform policy step to get policy documents

1.3. Response types

The main structure of response is:

Parameter	Description
error	This indicates the type of response: false indicates success, and true indicates an error.
status	HTTP status
data	Data related to the response / Additional data regarding the response.
message	Error message

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

Success

Parameter	Description
error	false
status	200
data	(object)

Error

Parameter	Description
error	true
status	400 - 500
message	Error message
data	(optional) Additional data

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.

2. Authentication

2.1. Authenticate account

Endpoint: POST /auth

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

If the authentication was successful. The response will include a JSON object with the following properties:

• data: A JSON object containing the following properties:

• token: A string representing the JWT token generated by the server for the authenticated user.

• expires_at: A string representing the date and time when the JWT token will expire in the format "YYYY-MM-DD HH:MM:SS".

• refresh_token: A string representing the refresh token generated by the server for the authenticated user.

2.2. Renew token

Endpoint: 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.

2.3. De-authenticate account

Endpoint: DELETE /auth

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

3. Create offer

Endpoint**:** POST /offer

3.1. Request

3.1.1. Input parameters

Parameter	Type	Required	Description	Validation rules
provider	object	Yes	Information related to the insurer
provider.organization	object	Yes	Insurer’s data
provider.organization.businessName	string	Yes	Insurer identifier (see 1.1 → Identifiers)
provider.authentication	object	No	Credentials to access insurer’s web service
provider.authentication.account	string	No	Account	• in DEV / QA environment these fields can be sent empty to use default test credentials
provider.authentication.password	string	No	Password
provider.authentication.code	string	No	Code
product	object	Yes	Information's related to the product
product.motor	object	Yes
product.motor.startDate	string	Yes	The effective date of the policy	• Accepted format: YYYY-MM-DD • The date can be current date ifproduct.vehicle.registrationType is one of [temporaryRegistered, temporaryRecorded] • The date has to be in the future if product.vehicle.registrationType is one of [registered, recorded]
product.motor.termTime	number	Yes	Policy validity in number of months	Values between 1 and 12
product.motor.installmentCount	number	No	Number of installments	Accepted values: 1, 2, 4, 12 Note: not all insurers accept installments
product.motor.commissionPercentLimit	float	No	Percent of the broker commission	Values between 0 and 100
product.motor.renewPolicy	object	No
product.motor.renewPolicy.series	string	Yes
product.motor.renewPolicy.number	number	Yes
product.motor.generatePaymentLink	boolean	No	Generates a payment link for an offer	Field applies only to specific insurers. Default value: false Available for: • hellas_autonom • hellas_nextins
product.motor.webhookLink	string	No	Webhook link where notifications regarding a policy will be sentPOST product.motor.webhookLink	Field applies only to specific insurers. Default value: false Available for: • hellas_autonom • hellas_nextins
product.policyholder	Person object	Yes	Policyholder’s data
product.vehicle	Vehicle object	Yes	Vehicle’s data
product.additionalData	object	No (depending on the product)	Must be completed according to the Product specific parameters section This structure can either be sent with product-specific parameters or with all parameters every time. Parameters sent in the plus will be ignored.

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	Yes if it is present in the request	Company registration number (if the person is a legal entity)
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	No	Email address	It must be a valid email address.
mobileNumber	string	No	Mobile phone number
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	No	Information's related to the identification document	Information required for individual
identification.idType	string	No	Type of the identification document	Accepted values: CI, PASSPORT
identification.idNumber	string	No	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	No	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	No	House number
building	string	No	Building
staircase	string	No	Staircase
apartment	string	No	Apartment
floor	string	No	Floor
postcode	string	No	Postcode

Vehicle object

Parameter	Type	Required	Description	Validation rules
registrationType	string	Yes	Vehicles registration type	Accepted values: registered, recorded, temporaryRegistered, temporaryRecorded
licensePlate	string	Yes, if registrationType is on of [registered, recorded]	Vehicles Romanian license plate	3.1.2. Validation rules point 1
vin	string	Yes	Vehicle identification number	• The value must be between 5 and 17 characters in length. • If the yearOfConstruction is after 1981, the characters O, I, and Q are excluded.
vehicleType	string	Yes		Accepted values: M1, M1G, M2, M2G, M3, M3G, N1, N1G, N2, N2G, N3, N3G, O1, O2, O3, O4, L1e, L2e, L3e, L4e, L5e, L6e, L7e, T, C, R, S
brand	string	Yes	Brand name
model	string	Yes	Brand model name
yearOfConstruction	string	Yes	Vehicles production year	• format: YYYY • maximum value [current year] + 1
engineDisplacement	number	Yes	Engine cubic inch (CC)
enginePower	number	Yes	Engine power (kW)
totalWeight	number	Yes	Gross vehicle weight
seats	number	Yes	Number of seats
fuelType	string	Yes	Vehicle energy source	Accepted values: diesel, petrol, electric, hybrid, lpg
firstRegistration	string	No	First registration in Romania	Format: YYYY-MM-DD
usageType	string	Yes	Vehicle usage purpose	Accepted values: personal, passengerTransportation, taxi, carRental, drivingSchool, security, courier, cargoTransportation, distribution
identification	object	No
identification.idNumber	string	Yes	Vehicles identification number (CIV in Romania)	• 7 character length • first character is a letter • last 6 characters are digits
currentMileage	number	No	The current mileage of the vehicle in kilometers.
hasMobilityModifications	boolean	No	Indicating whether the vehicle has been modified for use by people with loco-motor disabilities.
isLeased	boolean	No	Indicating whether the vehicle has an active lease contract.
isNew	boolean	No	Indicating whether the vehicle is new.
driver	Array of Driver objects	No
owner	Person object	No

Driver object

Parameter	Type	Required	Description	Validation rule
firstName	string	Yes	Individual person's first name
lastName	string	Yes	Individual person's last name
taxId	string	Yes	Personal identification code	It must be a valid Romanian CNP
identification	object	Yes	Information's related to the identification document
identification.idNumber	string	Yes	Series and number of the identification document	It must be a valid Romanian ID number
mobileNumber	string	No	Mobile phone number

3.1.2. Validation rules

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.

The following validation rules are country specific, currently it is Romania specific.

1. The vehicle.licensePlate can have one of the following formatting rule based on the vehicle.registrationType:

2. vehicle.registrationType is registered

3. licensePlate is required

4. length between 3 and 8 characters (upper case and digits)

5. can start with special institution codes (MAI, A, CD, TC, FA, ALA, CO) continuing with digits Ex: MAI35519, CD146108

6. can start with county codes followed by 2 or 3 digits and 3 upper case letters 3 digits only apply to county code B Ex: B101AXB, B10AAA, CJ01LIH

7. the 3 letter part cannot start with I or O, cannot contain Q, cannot be III or OOO

8. vehicle.registrationType is temporaryRegistered

9. licensePlate is not required

10. no specific format validation applied

11. vehicle.registrationType is recorded

12. licensePlate is required

13. should start with letters and end with digits Ex: IFOTOPENI16, OTOPENIIF45, CLUJ637

14. vehicle.registrationType is temporaryRecorded

15. licensePlate is not required

16. no specific format validation applied

3.2. Response

The object structure returned in the data field is described in this section.

Parameter	Type	Description
provider	object
provider.organization	object
provider.organization.businessName	string	Insurer identifier
product	object
product.name	string	Product identifier
offers	array of Offer objects	A list of generated offers, which can include offers generated successfully and/or offers generated with errors.

Offer object (in case of successfully generated offer)

Parameter	Type	Description
offerId	number	Unique identifier of the offer.Use this to transform the offer into a policy.
providerOfferCode	string	Unique identifier of the offer generated by the insurer
premiumAmount	number	Premium amount defined in the currency returned in currency field
premiumAmountNet	number	Premium net amount defined in the currency returned in currency field
currency	string	Currency
startDate	string	The start date of the policy
endDate	string	The end date of the policy
referenceRate	number	Offer reference rate
bonusMalusClass	string	BM used to calculate premiumAmount
commissionValue	number	Commission value which will be received by the broker
commissionPercent	number	Commission percent used to calculate commissionValue
greenCardExclusions	string	List of countries where the policy will not applied
notes	string	Notes
offerExpiryDate	string	Format:Y-m-d
directCompensation	object	Offer information with direct compensation applied
directCompensation.providerOfferCode	string	Unique identifier of the offer generated by the insurer with direct compensation applied
directCompensation.premiumAmount	number	Premium amount with direct compensation defined in the currency returned in currency field
directCompensation.commissionValue	number	Commission value with direct compensation
directCompensation.commissionPercent	number	Commission percent with direct compensation
directCompensation.paymentLink	string	Payment provider link appears only if configured (done by developer) and product.motor.generatePaymentLink set to true
directCompensation.installments	Array of objects	Installment details for the direct compensation appears only if configured (done by developer) and product.motor.generatePaymentLink set to true
directCompensation.installments.id	number	Number of the installment
directCompensation.installments.amount	number	Premium amount of the installment
directCompensation.installments.dueDate	string	Format:Y-m-d
installments	Array of objects
installments.id	number	Number of the installment
installments.amount	number	Premium amount of the installment
installments.dueDate	string	Format:Y-m-d
pid	string	PID file url (filled only if configured - done by developer)
toc	string	Terms And Conditions file url(filled only if configured - done by developer)
paymentLink	string	Payment provider link appears only if configured (done by developer) and product.motor.generatePaymentLink set to true

Policyholder and vehicle.owner accepted combinations

policyholder	vehicle.owner	Acceptance criteria
Individual person (PF)	Individual person (PF)	Yes, if policyholder is the same as vehicle.owner and vehicle.isLeased is false
Individual person (PF)	Legal entity(PJ)	Yes
Legal entity(PJ)	Legal entity(PJ)	Yes • if vehicle.owner is a leasing company, vehicle.owner is different from policyholder and vehicle.isLeased is true • if policyholder is the same as vehicle.owner and vehicle.isLeased is false

4. Transform offer to policy

Endpoint: POST /policy

For repeated requests using the same offer ID, the response will return the policy that was saved during the first request. If the policy has already been issued, a new one will not be created.

4.1. Request

4.1.1. Input parameters

Parameter	Type	Required	Description
offerId	number	Yes	Unique identifier of the offer (offerId from Offer object)
includeDirectCompensation	boolean	No	If set to true the policy will be issued with direct compensation applied
payment	Payment object	Yes	Payment details
additionalData	object	No (depending on the product)	Must be completed according to the Product specific parameters section This structure can either be sent with product-specific parameters or with all parameters every time. Parameters sent in the plus will be ignored.

Payment object

Parameter	Type	Required	Description	Validation rules
method	string	Yes	Payment methodNote: not all products will accept every option	Accepted values: receipt, broker receipt, payment order, broker payment order, pos * For credit or debit card payments, use pos.
currency	string	Yes	Payment currency	At the moment only RON is accepted
amount	number	Yes	The payment amount in RON
date	string	Yes	Payment date	Accepted format: YYYY-MM-DD
documentNumber	string	Yes	Payment proof document details	For broker receipt, use a serial number combination; otherwise, any value is acceptable.

4.2. Response

The object structure returned in the data field is described in this section.

Parameter	Type	Description
policies	array of Policy objects	A list of issued policies, which can include policies successfully and/or with errors.

Policy object (in case of successfully issued policy)

Parameter	Type	Description
provider	object
provider.organization	object
provider.organization.businessName	string	Insurer identifier
policyId	number	Unique identifier of the issued policy
series	string	Policy series
number	number	Policy number
payment	ResponsePayment object
startDate	string	Policy start date
endDate	string	Policy end date
premiumAmount	number	Value of the policy
currency	string	Policy value currency
installments	object
installments.id	number	Number of the installment
installments.amount	number	Premium amount of the installment
installments.dueDate	date	Format:Y-m-d

ResponsePayment object

Parameter	Type	Description
method	string	Payment method sent to insurer (mapped to insurer’s payment methods)
currency	string	The currency in which the payment was made
amount	number	Paid amount
date	string	Payment date
documentNumber	string	Payment proof document details

5. Documents

5.1. Offer

Endpoint: GET /offer/{offerId}

This API endpoint enables users to download the offer in PDF format. You will need to provide the OfferID received from the offer request call to access the download feature.

5.2. Policy

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

5.2.1 By policy identifier

Endpoint: GET /policy/{policyId}

You will need to provide the PolicyID received from the offer transform request call to access the download feature.

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.

6. Product-specific parameters

This section of the implementation manual outlines the specifications for the additionalData object, which forms part of the request for bidding and transformation of offers into policies. The section also describes specific validation rules for each product.

6.1 Allianz

6.1.1 Offer

Parameter	Type	Required	Description	Validation rules
product.motor.hasCasco	boolean	No	Set to true if the vehicle has an active CASCO insurance	Default: false
product.motor.series	string	Yes, if product.motor.number is set	In case of renewal the existing policy series
product.motor.number	string	Yes, if product.motor.series is set	In case of renewal the existing policy number
product.coordonatorId	number	No	An unique identifier assigned to the ALLIANZ agent that is creating the offer. Valid values can be looked up using /nomenclature/allianz/rca/organizations endpoint
product.recommenderTaxId	string	No	Persons CNP that recommended the insurer (possible discount on ALLINAZ side)	If exists has to be a valid CNP
product.protocolId	number	No	An unique identifier assgined by ALLIANZ
product.extraCoverage	boolean	No	Set to true if extra coverage is applied to the policy (defined by ALLIANZ)	Default: false
product.isAcquiredFromRomanianDealer	boolean	No	Set to true if the vehicle was acquired from a romanian dealer	Default: false

Business rules:

1. If the vehicle owner is an individual person the product.motor.termTime can only be equal to 12

2. In case product.vehicle.usageType is one of taxi, drivingShcool or carRental the product.vehicle.vehicleType can only be set to one of M1 or M1G

3. If vehicleType is M2, M2G, M3, M3G vehicle.seats must be greater than 9

4. If the vehicle is either temporaryRegistered or temporaryRecorded the product.motor.termTime can only be 1 month.

5. The product.additionalData.product.extraCoverage can only be applied if product.motor.termTime is for 12 months

6. product.motor.termTime and product.motor.installmentCount value combination

product.motor.termTime	product.motor.installmentCount
1, 2, 3	1
4, 5	1, 2
6, 7	1, 2, 4
8, 9	1, 2, 4, 6
10, 11	1, 2, 4, 6, 8
12	1, 2, 4, 6, 8, 10

7. The CAEN code is required for legal persons (product.policyholder.caenCode, product.vehicle.owner.caenCode).

8. product.vehicle.enginePower, product.vehicle.engineDisplacement and product.vehicle.seats fields are required when product.vehicle.vehicleType is S

9. When product.vehicle.vehicleType is M1 or M1G then the maximum accepted value for product.vehicle.totalWeight is 3500Kg

10. product.motor.commissionPercentLimit must be an integer.

11. product.vehicle.identification is required when vehicle.registrationTypeis registered or recorded

6.1.2 Transform offer

1. Payment is not supported with receipt.

6.2 Groupama

6.2.1 Offer

Business rules:

• For a person, the 'isRetired' and 'hasDisability' parameters cannot be true at the same time.

• For legal entities, the 'isRetired' parameter cannot be true.

• product.motor.startDate has to be Today + 1 except if product.vehicle.registrationType is temporaryRegistered, when it can be the current date.

• product.motor.termTime varies depending on product.vehicle.registrationType:

• if recorded, registered, or temporaryRecorded accepted values: 6, 12

• if temporaryRegistered accepted values: 1, 6, 12

• The installment count must be 1 for insurance periods less than 12 months.

• The number of installments is conditioned by the value of the insurance premium and insured type (individual/legal), as follows:

Insurance premium (Lei)	Individual person	Legal person
< 500	1	1
>500 - 1000	1, 2	1
>1000 - 2000	1, 2, 4	1, 2
>2000	1, 2, 4	1, 2, 4

• product.motor.commisionPercentLimit maximum value is limited to 3% if product.vehicle.usageType is taxi

• product.vehicle.driver: A maximum of three drivers can be defined.

• product.vehicle.usageType values carRental,security, courier, cargoTransportation and distribution can only be selected if product.vehicle.owner is legal entity

• The recorded and temporary recorded registration type is accepted only for M3 (tram/trolleybus), L*, T, C vehicle types.

• For vehicle types M3 and M3G vehicle’s total weight (product.vehicle.totalWeight) must be between 5001 and 99999 kg.

• product.vehicle.enginePower is required when product.vehicle.vehicleType is S

• product.vehicle.licensePlate is required when product.vehicle.registrationType is temporaryRecorded

• product.vehicle.enginePower and engineDisplacement field are required when product.vehicle.vehicleType is S with a minimum value of 1

6.2.2 Transform offer

No extra data needs to be specified here.

Business rules:

1. The payment.method option receipt can be restricted by the issuing company, there is no validation restriction except the one received from the issuing company

6.3 DallBogg

6.3.1 Offer

Business rules:

1. product.motor.installmentCount :

2. accepted values: 1

3. installment count can be 2 only when the insurance period is 12 months. It will be mapped to 1 when the parameter is not set.

4. product.motor.startDate must be after the current date

5. product.vehicle.vin has to be a fixed length of 17 characters

6. product.vehicle.enginePower field is required when product.vehicle.vehicleType is S

7. product.vehicle.engineDisplacement field is required when product.vehicle.vehicleType is S and product.vehicle.fuelType is not electric

8. if product.vehicle.vehicleType has one of the following values:  M1, M2, M3, M1G, M2G, M3G, N1, N2, N3, N1G, N2G, N3G then the product.vehicle.registrationType can only be :  registered, temporaryRegistered.

9. the field product.motor.commissionPercentLimit can have a maximum value of 99

6.3.2 Transform offer

No extra data needs to be specified here.

6.4 Hellas Autonom & Hellas NextIns

• Since the implementer is shared, both Hellas Autonom and Hellas NextIns have a common contract

6.4.1 Offer

Parameter	Type	Required	Description rules	Validation rules
vehicle.bodyType	string	No	Vehicle body type	Must have one of the flowwoeing values: "CABRIO", "COUPE", "HATCHBACK", "MPV", "SUV", "VAN", "MINI_VAN", "PICK_UP", "CROSSOVER", "SEDAN", "STATION_WAGON"
vehicle.numberOfWheels	number	No	Vehicle number of wheels.
vehicle.taxableHorsePower	number	No	Vehicle taxable horsepower.
vehicle.purchasedNew	boolean	No	Determines if vehicle was purchased new
vehicle.transferredDate	string	Yes, if purchasedNew is set to false

Business rules:

1. product.motor.installmentCount must be 1

2. the bonusMalus class is determined by the insurer

3. only romanian mobile numbers are accepted

4. product.vehicle.owner.address.country must be RO

5. product.policyholder.address.country MUST BE RO

6. product.vehicle.owner.companyRegistryNumber is not required

7. product.policyholder.companyRegistryNumber is not required

According to the insurer, the direct compensation commissionPercent is the same as the commission percent for the RCA offer

6.4.2 Transform offer

No extra data needs to be specified here.

6.5 Axeria

6.5.1 Offer

Parameter	Type	Required	Description	Validation rules
product.policyholder.address.houseNumber	string	Yes
product.vehicle.owner.address.houseNumber	string	Yes, if owner is legal entity

Business rules

1. The product.motor.installmentCount value can only be 1

2. If product.vehicle.registrationType is equal to temporaryRegistered or temporaryRecorded then product.motor.termTime can only be equal to 1

3. product.vehicle.seats field is required when product.vehicle.vehicleType is S with a minimum value of 1

6.6 Generali

6.6.1 Offer

Parameter	Type	Required	Description	Validation rules
product.vehicle.expirationDatePti	string	Yes	Expiry date of PTI (periodic technical inspection)	Accepted format: YYYY-MM-DD
product.vehicle.isOwnerTransfer	boolean	No	The parameter indicates that the vehicle is a transfer of ownership and is only relevant for temporaryRegistered|temporaryRecorded statuses.	Default: false
product.bonusMalusClaimsNo	number	No	No of claims paid in the reference period. This value represents the declaration itself responsibility of the client and will be used only if the CEDAM service does not work. The reference period is the calendar year prior to the year of the policy issue date.	Default: 0
product.bonusMalusPrevClass	string	No	Current class of Bonus Malus. This value represents the class declared by customer at his own risk and will be used only if the CEDAM service does not works. If nothing is transmitted, the value is considered default B0.	Default: B0 Accepted values: B0, B1, B2, B3, B4, B5, B6, B7, B8, M1, M2, M3, M4, M5, M6, M7, M8
product.noYoungDriver	boolean	No	Declaration on own responsibility: all drivers are over 35 years old. (including the vehicle owner) The value is collected for car pricing.	Default: false
product.blockPendingOffer	boolean	No	In case the offer is blocked by the insurer, setting this field to false can bypass it. Note: issuing the offer might be blocked by the insurer	Default: true
rafCode	string	No	A unique internal identifier used by insurance companies in Romania	• If set, must start with "RAF" followed by 1 to 10 digits OR have the value emitere online

Business rules:

1. The accepted value for product.motor.installmentCount is 1.

2. product.motor.commissionPercentLimit: Accepts numbers only with one decimal place.

3. drivingLicense.issueDate is mandatory

4. address.postcode is mandatory

5. product.vehicle.driver: A maximum of seven drivers can be defined.

6. Fuel type hybrid is not supported.

7. if product.vehicle.vehicleType is M1 or M1G then product.vehicle.registrationType must be registered or temporaryRegistered

8. if product.vehicle.registrationType is temporaryRecorded or temporaryRegistered then the accepted values for product.motor.termTime are 1, 6, 12, except when product.additionalData.product.vehicle.isOwnerTransfer is true

9. product.vehicle.seats field is required when product.vehicle.vehicleType is S

10. product.vehicle.vin must have at least 6 characters

11. if product.vehicle.isOwnerTransfer is true, then product.motor.startDate must be current date + 1

6.6.2 Transform offer

Parameter	Type	Required	Description	Validation rules
product.policyholder.residency	string	No	Residency	Accepted values: resident in Romania, resident outside Romania but within the EC, resident outside the ECDefault: resident in Romania
product.policyholder.politicallyExposed	string	No	Political exposure	Accepted values: no, yes, person with a public management functionDefault: no
product.vehicle.owner.residency	string	No	Residency	Accepted values: resident in Romania, resident outside Romania but within the EC, resident outside the ECDefault: resident in Romania
product.vehicle.owner.politicallyExposed	string	No	Political exposure	Accepted values: no, yes, person with a public management functionDefault: no

6.7 Asirom

6.7.1 Offer

Parameter	Type	Required	Description	Validation rules
conventionNumber	number	No	Vehicles number of conventions till now	If not set default value is 0.
previousBonusMalus	string	No	Owners previous BM class	If not set default value is B0Accepted values: M8, M7, M6, M5, M4, M3, M2, M1, B0, B1, B2, B3, B4, B5, B6, B7, B8
previousDamageNumber	number	No	Vehicles previous number of damages	If not set default value is 0.
communicationChannel	string	No	Method of communication of the offer details.	If not set default value is broker. Accepted values: email, broker For the email case the product.policyholder.email or product.vehicle.owner.email field should be filled.
partnershipAuctionAgreement	Object	No

partnershipAuctionAgreement object:

Parameter	Type	Required	Description	Validation rules
policyType	string	No	Policy Type	Accepted values: Auction, Leasing and partnerships, Simple
leasingType	string	Yes, if policyType is Leasing si Parteneriate	Leasing Type	Accepted values: Financial leasing, Operational leasing, Other partnerships
auctionNumber	string	Yes, if policyType is Licitatie	ex: LX111
isPartnership	boolean	Yes, if policyType is Leasing si Parteneriate
partnershipNumber	string	Yes, if isPartnership is true or 1	ex: LX111

Business rules:

1. product.vehicle.yearOfConstruction must be between 1921 and current year

2. Usage types carRental, security, courier and distribution are available only for legal persons.

3. product.vehicle.licensePlate is mandatory for registration types registered, recorded and temporaryRecorded

4. product.motor.startDate must be at least current date + 1 when product.vehicle.registrationType is temporaryRecorded.

5. product.motor.installmentCount value is ignored and it will always be set to 1

6. product.vehicle.identification is required when vehicle.registrationTypeis registered or recorded

6.7.2 Transform offer

No extra data needs to be specified here.

Business rules:

1. payment.date cannot be in the future.

6.8 Omniasig

6.8.1 Offer

Parameter	Type	Required	Description	Validation rules
product.discount	number	No	Discount	Min: 0, Max: 100, Default: 0
product.discountReason	string	No	Discount reason
product.blockPendingOffer	boolean	No	In case the offer is blocked by the insurer, setting this field to false can bypass it. Note: issuing the offer might be blocked by the insurer	Default: true
product.bonusMalusClaimsNo	number	No	No of claims paid in the reference period. This value represents the declaration itself responsibility of the client and will be used only if the CEDAM service does not work. The reference period is the calendar year prior to the year of the policy issue date.	Default: 0
product.bonusMalusPrevClass	string	No	Previous class of Bonus Malus. This value represents the class declared by customer at his own risk and will be used only if the CEDAM service does not works.	Accepted values: B0, B1, B2, B3, B4, B5, B6, B7, B8, M1, M2, M3, M4, M5, M6, M7, M8
product.bonusMalusCurrentClass	string	No	Current class of Bonus Malus. This value represents the class declared by customer at his own risk and will be used only if the CEDAM service does not works.	Accepted values: B0, B1, B2, B3, B4, B5, B6, B7, B8, M1, M2, M3, M4, M5, M6, M7, M8

Business rules:

1. For temporary numbers, only policies for 30 days can be issued. This means that product.motor.termTime must be 1.

2. If product.motor.termTime differs from 6 or 12 months then the generated offer is blocked by the insurer. This means that’s not possible to download it’s PDF and it cannot be transformed into policy.

3. product.motor.installmentCount must be 1.

4. When vehicle type is S product.vehicle.enginePower must be 1.

5. product.vehicle.seats must be at least 10 when vehicleType is M2, M2G, M3, M3G.

6. The CAEN code is required for legal persons (product.policyholder.caenCode, product.vehicle.owner.caenCode).

7. The maximum accepted value for product.motor.commissionPercentLimit is 99.99%.

8. product.vehicle.identification is required when vehicle.registrationTypeis registered or recorded

The provider may return an error when creating an offer for a vehicle in the following cases:

1. The vehicle is not found in the DRPCIV database and is older than 2 years (inclusive)

2. The vehicle is listed in the DRPCIV database but is still pending registration (TEMPORARY_REGISTERED or TEMPORARY_RECORDED)

6.8.2 Transform offer

No extra data needs to be specified here.

Business rules:

1. payment.date is not validated

6.9 Grawe

6.9.1 Offer

Parameter	Type	Required	Description rules	Validation rules
product.policyholder.isPoliticallyExposed	boolean	No	Determines if person is politically exposed.	Default: false
product.vehicle.isOwnerTransfer	boolean	No	The parameter indicates that the vehicle is a transfer of ownership and is only relevant for temporaryRegistered|temporaryRecorded statuses.	Default: false
product.vehicle.owner.isPoliticallyExposed	boolean	No	Determines if person is politically exposed.	Default: false

Business rules:

1. motor.startData can be maximum 60 days from today

2. motor.termTime must be 1 for temporary license numbers, except when product.additionalData.product.vehicle.isOwnerTransfer is true.

3. motor.installmentCount can only be 1

4. policyholder.drivingLicense is required (for individual person)

5. owner.gender is required when owner is present (for individual person)

6. owner.drivingLicense is required when owner is present (for individual person)

7. policyholder.address.postcode, floor is required

8. owner.address.postcode, floor is required when owner is present

9. vehicle.firstRegistration is required

10. vehicle.currentMieage is required and minimum 1

11. vehicle.model can have a maximum length of 80

12. vehicle.yearOfConstruction is minimum 1901

13. vehicle.engineDisplacement is limited as such:

14. for vehicle types M1, M1G it must be smaller than 5000

15. for vehicle types L1e ... L7e and S it must be smaller than 10000

16. vehicle.totalWeight must pe smaller then 3501 for vehicle types M1, M1G

17. vehicle.seats is limited as such:

18. for vehicle types M1, M1G it must be smaller than 8

19. for vehicle types L1e ... L7e it must be smaller than 3

20. vehicle types M1, M1G are not compatible with usage types cargoTransportation, passengerTransportation, distribution

21. if vehicle type is M1, M1G, N1, N1G, N2, N2G, N3, N3G then product.vehicle.vin must contain exactly 17 characters.

22. product.vehicle.identification is required when vehicle.registrationTypeis registered or recorded

23. product.policyholder.identification.idNumber is required if the person is not a legal entity

24. product.vehicle.owner.identification.idNumber is required if the person is not a legal entity

Grawe does not support diplomatic numbers. (license plates that start with CD, TC, CO)

The given postcode must be valid. This is not validated by us at the moment. If a wrong postcode is sent, the provider will throw an error.

There are cases when offers are generated with the note: Approval is needed in order to issue this offer. . For the moment it has been agreed that this approval flow will not be implemented. The pdf files for these offers cannot be obtained, and they cannot be issued.

6.9.2 Transform offer

No extra data needs to be specified here.

Business rules:

1. payment.date is not validated

6.10 Eazy Insure

6.10.1 Offer

No extra data needs to be specified here.

Business rules:

1. product.motor.installmentCount has to be equal to 1

2. product.policyholder.email is required

3. if product.vehicle.owner is set product.vehicle.owner.email is required

4. if product.policyholder is different from product.vehicle.owner then product.vehicle.isLeased has to be set to true

5. product.policyholder.email and product.policyholder.mobileNumber is required

6. if product.vehicle.owner is set product.vehicle.owner.email and product.vehicle.owner.mobileNumber is requirede

7. The CAEN code is required for legal persons (product.policyholder.caenCode, product.vehicle.owner.caenCode).

8. product.vehicle.engineDisplacement can have the following values

9. minimum 1 if product.vehicle.vehicleType one of [L1e, L2e, L3e, L4e, L5e, L6e, L7e]

10. minimum 595 if product.vehicle.vehicleType not one of [L1e, L2e, L3e, L4e, L5e, L6e, L7e O1, O2, O3, O4, R] or product.vehicle.fuelType isn’t electric

11. maximum 8000 if product.vehicle.vehicleType is one of [M1, M1G]

12. 0 if product.vehicle.vehicleType is one of [O1, O2, O3, O4, R] or product.vehicle.fuelType is electric

13. product.vehicle.seats can have the following values

14. 0 if product.vehicle.vehicleType is one of [O1, O2, O3, O4, R]

15. maximum 9 if product.vehicle.vehicleType is one of [M1, M1G]

16. minimum 10 if product.vehicle.vehicleType is one of [M2, M2G, M3, M3G]

17. minimum 1 otherwise

18. if product.vehicle.vehicleType is not one of [M1, M1G, L1e, L2e, L3e, L4e, L5e, L6e, L7e] the product.vehicle.usageType cannot be personal

19. if product.vehicle.usageType values personal, taxi, courier and drivingSchool are available for individual and legal entities, while the rest only for legal entities

20. product.vehicle.yearOfConstruction maximum value is the current year

21. if product.vehicle.registrationType is temporaryRecorded the product.motor.termTime cannot exceed 3 months

22. product.policyholder.address.country and product.vehivle.owner.address.country (if present) the value has to be RO

23. product.vehicle.identification is required when vehicle.registrationTypeis registered

24. the county from product.vehicle.licensePlate must be the same as the owner’s county ( if the owner is not sent, the policyholder is considered the owner)

25. product.vehicle.registrationType can only be registered or temporaryRegistered

6.10.2 Transform offer

No extra data needs to be specified here.

Business rules:

1. accepted values for payment.method are [broker receipt, payment order, broker payment order, pos]

7. Vehicle

7.1 Get Vehicle

Endpoint: GET /vehicle?licensePlate={licensePlate}&vin={vin}

This API endpoint is used to retrieve information about a vehicle using either the vehicle's license plate or VIN. At least one of these identifiers must be provided to obtain the information.

Response: The object structure returned in the data field is described in this section.

Parameter	Type	Description
brand	string
model	string
commercialName	string
color	string
fuelType	string	In diesel, petrol, electric, hybrid, lpg
vehicleType	string	In M1, M1G, M2, M2G, M3, M3G, N1, N1G, N2, N2G, N3, N3G, O1, O2, O3, O4, L1e, L2e, L3e, L4e, L5e, L6e, L7e, T, C, R, S
nationalVehicleType	string
vin	string
licensePlate	string
identification	string
engineDisplacement	number
enginePower	number
totalWeight	number
yearOfConstruction	number
seats	number
seatsStanding	number
firstRegistration	string	format: YYYY-MM-DD
currentRegistration	string	format: YYYY-MM-DD
endOfCurrentRegistration	string	format: YYYY-MM-DD
registrationType	string	In: recorded, registered
updatedAt	string	format: YYYY-MM-DD

8. Product

8.1 Get Products

Endpoint: GET /product

This API endpoint is used to retrieve information about all products that are active.

Response: The object structure returned in the data field is described in this section.

Parameter	Type	Description
insurer	string
name	string
slug	string
termsAndConditions	string
productInformationDocument	string

9. Company

9.1 Get Company

Endpoint: GET /company

This API endpoint is used to retrieve information about a company based on its tax ID.

Response: The object structure returned in the data field is described in this section.

Parameter	Type	Description
caenCode	string
businessName	string
isLegalForm	boolean
email	string
mobileNumber	string
taxId	string
address	Address object

10. Nomenclatures

There is a Nomenclature API from which various nomenclatures, such as counties, cities, leasing companies, and others, can be accessed.

The documentation can be found at https://app.swaggerhub.com/apis-docs/Life-is-Hard3/nomenclator.api.lifeishard.ro/.

Authentication typically works with the same credentials used for the RcaAPI. If you encounter any issues, feel free to contact the support team.

11. Company

• Endpoint: GET /company/{taxId}

• this endpoint returns information about companies based on the taxId (CUI)