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Introduction

This document provides comprehensive guidelines for integrating with the Bolttech Unified API V4.x, designed for technical partners, developers, and integration specialists. It outlines the necessary steps and endpoints to implement complete product lifecycle solutions through Bolttech's advanced ecosystem platform.

The API enables seamless end-to-end customer experiences covering the entire journey from product discovery to contract management across multiple business models and industries.

Key capabilities include:

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Dynamic pricing calculation and retrieval for multi-insurance product
  • Customer verification and risk assessment
  • Contract, policies, subscription creation, management, and lifecycle administration
  • Document handling and retrieval
  • Multi-product catalog management

By following these integration guidelines, partners can implement comprehensive commerce flows that allow customers to browse products, select payment and service options, receive personalized quotes, provide required information, undergo verification processes, and manage their contracts (policies, subscriptions) throughout their entire lifecycle.

This document serves as the technical blueprint for implementing flexible integration points, with detailed API specifications, request/response examples, and step-by-step guidance to ensure successful integration with the Bolttech platform.

Bolttech API: Comprehensive Digital Insurance Ecosystem Platform

Bolttech API is a sophisticated digital insurance management platform designed to revolutionize insurance product distribution, sales, and lifecycle management across multiple domains and business models.

Core Value Proposition​

The API provides a comprehensive, flexible, and secure infrastructure that enables:

  • Seamless digital insurance distribution
  • End-to-end insurance lifecycle management
  • Multi-product and multi-market insurance solutions
  • Flexible partner integration and white-labeling capabilities

Technological Sophistication​

  • Advanced API architecture supporting complex insurance workflows
  • Robust security and encryption mechanisms
  • Flexible, modular design supporting diverse insurance products
  • Event-driven, asynchronous processing capabilities

Detailed Platform Capabilities​

Insurance Product Spectrum
Bolttech API supports a comprehensive range of insurance products including:

  • Device Protection: Comprehensive coverage for electronic devices
  • Rental: Comprehensive coverage rental programs
  • Car Insurance: Detailed vehicle protection and driver risk assessment
  • Cyber Protection: Digital identity and online risk monitoring
  • Health Insurance: Personalized medical coverage options
  • Home Insurance: Property and asset protection
  • Travel Insurance: Comprehensive travel risk management
  • Multi-Gadget Insurance: Protection for multiple electronic devices
  • Pet Insurance: Specialized animal health and care coverage

Business Model Flexibility
The platform supports multiple distribution channels:

  • B2C (Business to Consumer): Direct consumer sales
  • B2B (Business to Business): Enterprise-level insurance solutions
  • B2B2C (Partner-driven): White-labeled insurance product distribution
  • Agent-driven Sales: Support for traditional sales channels

Comprehensive Workflow Management

  • Quote Generation Process: Real-time pricing, personalized recommendations, cascading options
  • Sales Opportunity Lifecycle: From quotes to policy docs, payments, and interactions
  • Contract Management: Creation, activation, modification, renewal, termination, and tracking

Validation and Security Services

  • IMEI device verification
  • Document authentication
  • Fraud prevention mechanisms
  • Comprehensive risk assessment

Technical Architecture Highlights

  • OAuth 2.0 authentication with JWT tokens
  • End-to-end encryption (request/response)
  • PGP and SFTP integration
  • Granular access control
  • GDPR-compliant data handling

Integration Capabilities

  • Webhook-based asynchronous updates
  • Idempotent processing
  • Market-specific configuration
  • Extensible custom field support

Business Impact

  • For Insurance Providers: Faster time-to-market, reduced complexity, enhanced ecosystem
  • For Partners: Seamless integration, flexible white-labeling, reduced overhead
  • For Customers: Personalized, transparent, streamlined insurance experiences

Technical Architecture Principles

  • Modular Design: Clear separation of concerns, reusable components
  • Event-Driven Architecture: Asynchronous processing, webhook-based notifications
  • Extensibility: Market-specific configuration, custom field extensions, versioned reference data

System Architecture Components​

  • Authentication Layer: OAuth 2.0, credential handling, RBAC
  • Quote Generation Engine: Real-time pricing, attribute retrieval
  • Sales Management System: Customer lifecycle, multi-channel sales
  • Contract Management Module: Comprehensive lifecycle, multi-product support

General API Information

  • All communication uses JSON payloads
  • Requests/responses require Content-Type: application/json
  • All endpoints (except auth) require Bearer token
  • Every request must be encrypted with Bolttech’s public key and signed with partner’s private key
  • Every response is encrypted with partner’s public key and signed with Bolttech’s private key

Error Handling: Error responses are obfuscated, not encrypted, for security.

Rental Product Flow​

This section provides comprehensive guidelines for integrating with the Bolttech Unified API V4.x, focusing specifically on rental flow integration. Designed for technical partners, developers, and integration specialists, it outlines the necessary steps and endpoints to implement a complete rental product solution through Bolttech's digital insurance ecosystem platform.

The API enables a seamless rental flow experience covering the entire customer journey from product discovery to contract management.

Key Capabilities​

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Rental pricing calculation and retrieval
  • Customer verification and scoring
  • Contract creation, management, and termination
  • Document handling and retrieval
  • Assets catalog management

API Endpoints Scope​

  • Product discovery
  • Customer verification
  • Credit risk assessment
  • Contract management
  • Payment processing

Getting Started​

Prerequisites​

Before beginning your integration, ensure you have:

  • ✅ Developer account
  • ✅ API credentials
  • ✅ SSL/TLS certificate
  • ✅ Secure development environment

Typical Customer Journey for Rental Products​

The rental flow follows a structured process from product discovery to contract activation:

1. Browse Products​

Customer explores products on partner website from the store catalog and rental catalog.

2. Select Rental Option​

When a product is rentable, "Choose rental as payment method" appears.

3. Get Quote​

Based on rental duration, customer receives a quote with pricing from Bolttech. Optional protection services available.

Endpoints: /quotes#post-quotesmarketrental

4. Provide Information​

Customer enters personal and address details.

5. Verify Identity​

Optional identity verification using market-available tools.

Endpoints: /customer-verification-rental

Customer provides required consents for partner and Bolttech. Endpoints: /agreements-consents-statements-rental

7. Initial Verification​

System performs background verification:

  • If negative: Customer notified, process stops
  • If positive: Contract generation begins

Endpoints: /customer-verification-rental

8. Detailed Scoring​

Based on local market reports:

  • If negative: Customer notified, process stops
  • If positive: Customer can view contract documents

Endpoints: /customer-verification-rental

9. Accept Contract​

Customer reviews and accepts contract. Endpoints: /contracts

10. Payment​

Customer selects payment method and completes transaction.

11. Delivery​

Partner delivers equipment and informs Bolttech of delivery date and serial numbers.

12. Activation​

Bolttech enroll (activates) contract, sends welcome email. Endpoints: /contracts

13. Usage​

Contract becomes active, customer uses rented equipment.

Note: The process includes multiple verification checkpoints to ensure customer eligibility and risk assessment before contract finalization.

Device Protection Flow​

Device protection products are designed to safeguard electronic devices—such as smartphones, laptops, tablets, and smart home equipment—from accidental damage, theft, loss, malfunctions, and cyber threats. These products are offered as standalone insurance, extended warranties, or bundled service plans, and are increasingly integrated into digital ecosystems and banking platforms.

Key Capabilities​

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Pricing calculation and retrieval
  • Sale creation, management, and termination
  • Contract creation, management, and termination
  • Document handling and retrieval

API Endpoints Scope​

  • Product discovery
  • Customer verification
  • Credit risk assessment
  • Contract management
  • Payment processing

Getting Started​

Prerequisites​

Before beginning your integration, ensure you have:

  • ✅ Developer account
  • ✅ API credentials
  • ✅ SSL/TLS certificate
  • ✅ Secure development environment

Car Insurance Flow​

Car insurance typically includes several core coverage types. Liability coverage has two main parts: Bodily Injury Liability covers injuries to others when you're at fault, and Property Damage Liability covers damage to others' property like vehicles or buildings caused by your car. Collision coverage pays for damage to your own vehicle from a crash, regardless of who caused it. This is often required for leased or financed cars. Comprehensive coverage handles non-collision damage such as theft, vandalism, natural disasters, and animal strikes. Uninsured or Underinsured Motorist Coverage protects you if the other driver doesn't have enough insurance. Personal Injury Protection covers medical expenses, lost wages, and funeral costs regardless of fault, and is required in no-fault states. Medical Payments Coverage pays for medical expenses for you and passengers, but typically has lower limits than PIP. Optional add-ons include rental car reimbursement to cover rental costs while your car is being repaired, roadside assistance for towing and lockout service, gap insurance to pay the difference between your car's value and remaining loan balance if totaled, and new car replacement coverage. For enterprise integration, platforms like Bolttech support multi-product and multi-market distribution, white-labeling for partners, and API-based lifecycle management for quoting, issuing, and servicing policies. Backend processes include rate table normalization, quotation and policy issuance APIs, and underwriting rule configuration.

Key Capabilities​

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Pricing calculation and retrieval
  • Sale creation, management, and termination
  • Contract creation, management, and termination
  • Document handling and retrieval

API Endpoints Scope​

  • Product discovery
  • Customer verification
  • Credit risk assessment
  • Contract management
  • Payment processing

Getting Started​

Prerequisites​

Before beginning your integration, ensure you have:

  • ✅ Developer account
  • ✅ API credentials
  • ✅ SSL/TLS certificate
  • ✅ Secure development environment

Cyber Protection Insurance Flow​

Cyber protection is the integrated practice of safeguarding digital assets like data, systems, networks, and devices from cyber threats while ensuring their availability, privacy, authenticity, and security. It goes beyond traditional cybersecurity by combining data protection and threat prevention into a unified strategy. The key components include monitoring and prevention through real-time surveillance of personal and financial data across public, deep, and dark web sources. This includes alerts for identity breaches, phishing attempts, and malware threats, along with tools like antivirus software, VPNs, and password managers to proactively block attacks. Expert support and remediation services provide 24/7 cyber assistance hotlines for incident response, remote IT support and data recovery services, plus legal and psychological support for victims of cyberbullying or identity theft. Financial indemnity comes through cyber insurance modules that reimburse users for losses due to scams, fraud, or data breaches. This covers online shopping scams, deceptive transfers, and extortion. Family and device protection includes parental controls, social media monitoring, and geo-fencing for child safety, along with endpoint protection for mobile and desktop devices. Integrated platforms like Protection Hub offer centralized dashboards for managing policies, claims, and threat alerts. These solutions provide seamless integration into partner ecosystems with customizable branding options.

Key Capabilities​

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Pricing calculation and retrieval
  • Sale creation, management, and termination
  • Contract creation, management, and termination
  • Document handling and retrieval

API Endpoints Scope​

  • Quotes and Pricing
  • Sales
  • Contract management
  • Payment processing

Getting Started​

Prerequisites​

Before beginning your integration, ensure you have:

  • ✅ Developer account
  • ✅ API credentials
  • ✅ SSL/TLS certificate
  • ✅ Secure development environment

Health Insurance Flow​

Health insurance is a contractual arrangement in which an insurer agrees to cover part or all of a person's medical expenses in exchange for a regular premium payment. It provides financial protection against the high costs of healthcare, including routine check-ups, emergency care, hospitalization, surgeries, medications, and preventive services. The core elements of health insurance include coverage scope, which typically covers inpatient care such as hospital stays, surgeries, and medical care during admission. It also includes outpatient services like doctor visits, diagnostics, and specialist consultations, emergency assistance including ambulance transport and urgent care, preventive care such as immunizations, screenings, and wellness check-ups, and critical illness cover that provides lump-sum payments for serious conditions like cancer or stroke. There are different types of plans available. Private insurance can be purchased individually or provided by employers. Public insurance includes government programs like Medicare, Medicaid, and CHIP. Managed care plans such as HMOs, PPOs, and POS plans use provider networks to control costs. The cost components include several elements. The premium is the regular payment to maintain coverage. The deductible is the amount paid out-of-pocket before insurance coverage begins. Copayments and coinsurance are fixed or percentage-based payments for services after the deductible is met.

Key Capabilities​

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Pricing calculation and retrieval
  • Sale creation, management, and termination
  • Contract creation, management, and termination
  • Document handling and retrieval

API Endpoints Scope​

  • Quotes and Pricing
  • Sales
  • Contract management
  • Payment processing

Getting Started​

Prerequisites​

Before beginning your integration, ensure you have:

  • ✅ Developer account
  • ✅ API credentials
  • ✅ SSL/TLS certificate
  • ✅ Secure development environment

Home Insurance Flow​

Home insurance is a financial protection policy that covers your home, belongings, and liability in case of damage, theft, or accidents. It's typically required by mortgage lenders and highly recommended even if not legally mandated. Most standard policies include dwelling coverage, which repairs or rebuilds your home after damage from covered perils like fire, wind, or vandalism. Other structures coverage protects detached structures like garages or sheds. Personal property coverage protects belongings such as furniture, electronics, and clothing. Liability protection covers legal and medical costs if someone is injured on your property or if you cause damage to others. Additional living expenses coverage pays for temporary housing and meals if your home becomes uninhabitable. There are eight types of homeowners insurance policies, labeled HO-1 to HO-8, with HO-3 being the most common. It provides broad coverage for the home and named perils for belongings. Coverage levels include actual cash value, which pays the depreciated value of items, replacement cost that pays the full cost to replace items without depreciation, and guaranteed or extended replacement cost that covers rebuilding costs even if they exceed policy limits.

Key Capabilities​

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Pricing calculation and retrieval
  • Sale creation, management, and termination
  • Contract creation, management, and termination
  • Document handling and retrieval

API Endpoints Scope​

  • Quotes and Pricing
  • Sales
  • Contract management
  • Payment processing

Getting Started​

Prerequisites​

Before beginning your integration, ensure you have:

  • ✅ Developer account
  • ✅ API credentials
  • ✅ SSL/TLS certificate
  • ✅ Secure development environment

Travel Insurance Flow​

Here's the travel insurance content converted to simple text format: Travel insurance is a financial protection plan that covers unexpected events during travel, both domestic and international. It helps mitigate risks such as trip cancellations, medical emergencies, lost baggage, and travel delays. Most travel insurance products include several core coverage areas. Trip cancellation and interruption coverage reimburses prepaid, non-refundable expenses if a trip is canceled or cut short due to covered reasons like illness or natural disaster. Medical emergency coverage handles hospital bills, doctor visits, ambulance services, and emergency medical evacuation. Baggage loss or delay coverage compensates for lost, stolen, or delayed luggage and personal items. Travel delay coverage reimburses expenses like meals and lodging when travel is delayed due to covered reasons. Accidental death and disability coverage provides compensation in case of serious injury or death during travel. Optional add-ons include cancel for any reason coverage, which allows cancellation for any reason with partial reimbursement, typically 75%, if canceled at least 48 hours before departure. Interruption for any reason coverage lets travelers return home early for any reason and receive partial reimbursement. Rental vehicle damage coverage protects against damage to rental cars during travel. Travel insurance products are often tailored to specific traveler types and needs. Annual plans are designed for frequent travelers, covering multiple trips per year. Student plans are created for international students or youth travelers. Visitors to Canada plans provide specialized coverage for non-residents visiting Canada. Cruise insurance includes missed connections and trip interruption coverage specific to cruises.

Key Capabilities​

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Pricing calculation and retrieval
  • Sale creation, management, and termination
  • Contract creation, management, and termination
  • Document handling and retrieval

API Endpoints Scope​

  • Quotes and Pricing
  • Sales
  • Contract management
  • Payment processing

Getting Started​

Prerequisites​

Before beginning your integration, ensure you have:

  • ✅ Developer account
  • ✅ API credentials
  • ✅ SSL/TLS certificate
  • ✅ Secure development environment

Multi-Gadjet Insurance Flow​

Multi-Gadget Insurance is a bundled protection plan that covers multiple electronic devices including phones, tablets, laptops, wearables, gaming consoles, and even smart home appliances under a single policy. It's designed for households, families, or individuals with several devices, offering convenience, cost-efficiency, and peace of mind. The core features include comprehensive coverage scope that protects against accidental damage and liquid damage, theft and loss, mechanical breakdown, and provides worldwide protection including travel scenarios. The policy offers flexibility by covering up to 10 gadgets per policy, unlimited claims with top-up options if value caps are exceeded, and monthly rolling contracts or annual plans. Device eligibility includes new or refurbished devices with warranty, personal and household electronics, and devices belonging to family members living in the same household. From an internal product architecture and distribution perspective, bolttech's multi-gadget proposition is positioned as part of the Home-as-a-Service and Digital Lifestyle Protection verticals. It offers 360-degree protection across devices, bundled with cyber services, repair flows, and lifestyle add-ons. The Protection Hub integration provides a centralized dashboard for policy management, claims, and device registration. It supports single sign-on, SDK, and web-based integration for partner platforms. API-driven distribution through the unified API V4.x enables real-time quote generation, contract management, and multi-device enrollment. It supports B2C, B2B, and B2B2C channels with modular configuration. Claims and servicing include embedded claims widgets or hosted forms within partner portals and "click to repair" options for non-insured devices.

Key Capabilities​

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Pricing calculation and retrieval
  • Sale creation, management, and termination
  • Contract creation, management, and termination
  • Document handling and retrieval

API Endpoints Scope​

  • Quotes and Pricing
  • Sales
  • Contract management
  • Payment processing

Getting Started​

Prerequisites​

Before beginning your integration, ensure you have:

  • ✅ Developer account
  • ✅ API credentials
  • ✅ SSL/TLS certificate
  • ✅ Secure development environment

Pet Insurance Flow​

Pet insurance is a health protection plan for pets, primarily dogs and cats, that covers veterinary expenses related to accidents, illnesses, surgeries, and sometimes wellness care. It helps pet owners manage unexpected costs and ensure timely treatment. Most pet insurance products include several core coverage areas. Accident and illness coverage handles vet visits, diagnostics, surgeries, and medications. Hospitalization and surgery coverage provides inpatient care and procedures. Wellness add-ons are optional and include vaccinations, dental cleanings, and flea and tick prevention. Third-party liability coverage protects against damages or injuries caused by the pet.

Key Capabilities​

  • Authentication and security mechanisms using OAuth 2.0 and encrypted payloads
  • Pricing calculation and retrieval
  • Sale creation, management, and termination
  • Contract creation, management, and termination
  • Document handling and retrieval

API Endpoints Scope​

  • Quotes and Pricing
  • Sales
  • Contract management
  • Payment processing

Getting Started​

Prerequisites​

Before beginning your integration, ensure you have:

  • ✅ Developer account
  • ✅ API credentials
  • ✅ SSL/TLS certificate
  • ✅ Secure development environment