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Quotes & Pricing

Purpose:
Dynamic pricing calculation and quote generation across multiple insurance products and services with real-time market data integration.

Description:
The quotes and pricing endpoints provides sophisticated quote generation capabilities across diverse product categories including device protection, automotive, cyber security, health, property, travel, and pet insurance. The system leverages real-time risk assessment algorithms, market data feeds, and configurable pricing models to generate competitive quotes instantly. Each product category has specialized pricing logic that considers relevant risk factors, coverage options, and market conditions.

Advanced Capabilities:

  • Multi-variate risk assessment
  • Real-time market data integration
  • Configurable pricing rules and discount structures
  • Geographic and demographic pricing optimization and segregation
  • Product bundling and cross-selling recommendations

Product Pricing Management:

  • Real-time inventory tracking across multiple warehouses
  • Dynamic pricing based on demand, availability, and market conditions
  • Comprehensive product catalog with rental, lease, and purchase options
  • Custom pricing calculators for complex scenarios

Business Value:

Accelerates sales cycles through instant quote generation, optimizes pricing competitiveness, reduces manual underwriting overhead, and enables sophisticated pricing strategies that maximize profitability while remaining market competitive.

Device Protection​

POST /v4.1/quotation​

Purpose:

Generates comprehensive insurance quotes for electronic devices with customizable coverage options and risk-based pricing

Endpoint Explanation:

This endpoint creates detailed insurance quotes for electronic devices by analyzing device specifications, customer risk profiles, and coverage requirements. The system evaluates factors including device value, customer location, usage patterns, and selected coverage options to generate competitive pricing. It integrates with device databases to verify specifications, applies market-specific pricing models, and calculates premiums based on actuarial data and risk algorithms. The endpoint supports various coverage types including accidental damage, theft, liquid damage, and mechanical breakdown while providing transparent pricing breakdowns and terms.

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/quotation/ \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
        "configuration": {
            "market_id": "market_id",
            "product_type": "product_type"
        },
        "payload": {
            "info": {
                "devices": [
                    {
                        "brand": "HONOR",
                        "model": "1102368",
                        "color": "M.BLACK",
                        "storage_size": "8+128GB",
                        "sku": "1111111"
                    }
                ]
            },
            "applicant": {
                "first_name": "John",
                "last_name": "Smith",
                "phone_number": "+351912345678",
                "email": "[email protected]",
                "id_type": "passport",
                "id_number": "AB1234567",
                "date_of_birth": "1990-01-15",
                "address": "123 Main Street",
                "address2": "Apt 4B",
                "district": "Porto",
                "province": "Porto",
                "postcode": "4100-001"
            }
        }
    }'

Car Insurance​

POST /v4.1/quotation​

Porpuse Creates automotive insurance quotes with comprehensive driver risk assessment and vehiclespecific coverage options.

Endpoint Explanation

This endpoint generates car insurance quotes by evaluating driver profiles, vehicle specifications, and coverage requirements through sophisticated risk assessment algorithms. The system analyzes driving history, demographic factors, vehicle safety ratings, and usage patterns to calculate accurate premiums. It integrates with motor vehicle databases, applies regional regulatory requirements, and provides detailed coverage breakdowns including liability, comprehensive, collision, and additional protection options

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/quotation \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '
  {
"configuration": {
    "market_id": "market",
    "product_type": "product_type",
    "callback_url": "https://webhook.site/80e583b1-0d64-4811-90f1-aec42bac3703",
},
"payload": {
    "additionalDriverNumCd": 0,
    "carrier": ["carrier_name"],
    "driver": {
        "birthDate": "1988-11-25",
        "age": 36,
        "driverExperience": 2,
        "email": "[email protected]",
        "gender": "M",
        "maritalStatus": "S",
        "mobileNo": "98765432",
        "noOfClaimsInLast3Years": 1,
        "claimAmountInLast3Years": 50,
        "offence": "Y",
        "postalCode": "018935",
        "occupationType": "indoor"
    },
    "excessWaiver": "N",
    "ncdProtectionIndicator": "N",
    "noClaimsDiscount": 0,
    "planTerm": 1,
    "policyStartDate": "2025-06-06",
    "policyEndDate": "2026-06-05",
    "vehicle": {
        "offpeak": "N",
        "registrationNum": "1234567890",
        "seatNo": 5,
        "brandId": "HONDA",
        "modelId": "Accord",
        "variantId": "HONDA-0002",
        "year": 2020
    },
    "voluntaryExcess": 100
}
}
  '

Cyber Protection​

POST /v4.1/quotation​

Porpuse

Generates digital identity and cyber security protection quotes for individuals and businesses..

Endpoint Explanation

This endpoint creates cyber protection quotes by assessing digital risk exposure, online activity patterns, and security requirements. The system evaluates factors such as online presence, data sensitivity, business type, and security infrastructure to provide comprehensive cyber insurance coverage.

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/quotation \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '
  {
"configuration": {
    "market_id": "market_id",
    "product_type": "product_type"
},
"payload": {
    "applicant": {
        "first_name": "Jane",
        "last_name": "Doe",
        "phone_number": "+351923456789",
        "email": "[email protected]",
        "id_type": "passport",
        "id_number": "CD5678901",
        "date_of_birth": "1988-07-20",
        "address": "789 Digital Avenue",
        "district": "Porto",
        "province": "Porto",
        "postcode": "4200-002"
    },
    "cyber_risk_profile": {
        "business_type": "Individual",
        "online_activity_level": "High",
        "device_count": 5,
        "sensitive_data_types": [
            "financial",
            "personal"
        ],
        "security_measures_in_place": [
            "antivirus",
            "firewall"
        ],
        "previous_incidents": false
    },
    "coverage_options": {
        "identity_theft": true,
        "cyber_bullying": true,
        "data_recovery": true,
        "financial_loss": true,
        "legal_support": true
    }
}
}
  '

Health insurance​

POST /v4.1/quotation​

Purpose:

Creates personalized health insurance quotes based on coverage requirements and individual health profiles Endpoint

Endpoint Explanation::

This endpoint generates health insurance quotes by analyzing customer demographics, health history, coverage preferences, and regional healthcare costs. The system applies underwriting rules and regulatory requirements to provide compliant and competitive health insurance options

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/quotation\
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '
  {
"configuration": {
    "market_id": "market_id",
    "product_type": "product_type"
},
"payload": {
    "applicant": {
        "first_name": "Maria",
        "last_name": "Silva",
        "phone_number": "+351934567890",
        "email": "[email protected]",
        "id_type": "id_card",
        "id_number": "12345678901",
        "date_of_birth": "1975-12-10",
        "address": "321 Health Street",
        "district": "Coimbra",
        "province": "Coimbra",
        "postcode": "3000-003"
    },
    "health_profile": {
        "smoker": false,
        "pre_existing_conditions": [],
        "medications": [],
        "family_medical_history": [
            "diabetes"
        ],
        "bmi": 24.5,
        "exercise_frequency": "regular"
    },
    "coverage_preferences": {
        "hospital_coverage": true,
        "outpatient_care": true,
        "dental_coverage": false,
        "vision_coverage": true,
        "prescription_drugs": true,
        "preventive_care": true
    },
    "dependents": []
}
}

  '

Home insurance​

POST /v4.1/quotation​

Porpuse

Generates property insurance quotes with comprehensive coverage options for homeowners and renters.

Endpoint Explanation

This endpoint creates home insurance quotes by evaluating property characteristics, location risks, coverage requirements, and claims history. The system considers factors such as property value, construction type, natural disaster risks, and security features.

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/quotes/{market}/home-insurance \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '
  {
"configuration": {
    "market_id": "market_id",
    "product_type": "product_type"
},
"payload": {
    "applicant": {
        "first_name": "Carlos",
        "last_name": "Santos",
        "phone_number": "+351945678901",
        "email": "[email protected]",
        "id_type": "id_card",
        "id_number": "98765432109",
        "date_of_birth": "1980-05-25",
        "address": "567 Home Avenue",
        "district": "Braga",
        "province": "Braga",
        "postcode": "4700-004"
    },
    "property_details": {
        "property_type": "house",
        "construction_year": 2010,
        "square_meters": 150,
        "construction_material": "brick",
        "roof_type": "tile",
        "number_of_floors": 2,
        "security_features": [
            "alarm_system",
            "security_cameras"
        ],
        "property_value": 250000
    },
    "location_risks": {
        "flood_risk": "low",
        "earthquake_risk": "medium",
        "crime_rate": "low",
        "proximity_to_fire_station": 2
    },
    "coverage_options": {
        "building_coverage": true,
        "contents_coverage": true,
        "liability_coverage": true,
        "temporary_accommodation": true
    }
}
}

  '

Travel insurance​

POST /v4.1/quotation​

Porpuse

Creates travel protection quotes with destination-specific coverage and trip-based pricing.

Endpoint Explanation

This endpoint generates travel insurance quotes by analyzing trip details, destination risks, traveler profiles, and coverage requirements. The system evaluates factors such as trip duration, destination risk levels, activity types, and medical coverage needs.

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/quotation \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '
  {
"configuration": {
    "market_id": "market_id",
    "product_type": "product_type"
},
"payload": {
    "applicant": {
        "first_name": "Ana",
        "last_name": "Costa",
        "phone_number": "+351956789012",
        "email": "[email protected]",
        "id_type": "passport",
        "id_number": "TR9876543",
        "date_of_birth": "1992-09-14",
        "address": "890 Travel Lane",
        "district": "Faro",
        "province": "Faro",
        "postcode": "8000-005"
    },
    "trip_details": {
        "destination": "Thailand",
        "departure_date": "2024-06-15",
        "return_date": "2024-06-29",
        "trip_duration": 14,
        "trip_purpose": "leisure",
        "activities": [
            "sightseeing",
            "beach",
            "cultural_tours"
        ],
        "estimated_trip_cost": 2500
    },
    "traveler_profile": {
        "age": 32,
        "frequent_traveler": true,
        "medical_conditions": [],
        "previous_travel_insurance": true
    },
    "coverage_options": {
        "medical_coverage": true,
        "trip_cancellation": true,
        "baggage": true,
        "flight_delay": true,
        "emergency_evacuation": true
    }
}
}
  '

Multi-Gadget​

POST /v4.1/quotation​

Porpuse

Generates quotes for protecting multiple electronic devices under one comprehensive policy.

Endpoint Explanation

This endpoint creates multi-device protection quotes by analyzing device portfolios, usage patterns, and coverage requirements across multiple gadgets. The system provides bundled pricing advantages and simplified management for customers with multiple devices.

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/quotation \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '
  {
"configuration": {
    "market_id": "market_id",
    "product_type": "product_type"
},
"payload": {
    "applicant": {
        "first_name": "Pedro",
        "last_name": "Oliveira",
        "phone_number": "+351967890123",
        "email": "[email protected]",
        "id_type": "id_card",
        "id_number": "11223344556",
        "date_of_birth": "1987-03-22",
        "address": "432 Tech Street",
        "district": "Aveiro",
        "province": "Aveiro",
        "postcode": "3800-006"
    },
    "info": {
        "devices": [
            {
                "brand": "HONOR",
                "model": "1102368",
                "color": "M.BLACK",
                "storage_size": "8+128GB",
                "sku": "1111111"
            }
        ]
    },
    "coverage_options": {
        "accidental_damage": true,
        "theft": true,
        "liquid_damage": true,
        "mechanical_breakdown": true
    }
}
}
  '

Pet Insurance​

POST /v4.1/quotation​

Porpuse

Creates pet insurance quotes with breed-specific coverage and health-based pricing.

Endpoint Explanation

This endpoint generates pet insurance quotes by evaluating pet characteristics, breed-specific risks, age factors, and coverage preferences. The system considers veterinary costs in the region and provides customized coverage options.

curl -X POST https://api.bolttech.com/quotation \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
"configuration": {
    "market_id": "market_id",
    "product_type": "product_type"
},
"payload": {
    "applicant": {
        "first_name": "Sofia",
        "last_name": "Ferreira",
        "phone_number": "+351978901234",
        "email": "[email protected]",
        "id_type": "id_card",
        "id_number": "55667788990",
        "date_of_birth": "1985-11-08",
        "address": "123 Pet Avenue",
        "district": "Setúbal",
        "province": "Setúbal",
        "postcode": "2900-007"
    },
    "pet_details": {
        "pet_name": "Max",
        "species": "dog",
        "breed": "Golden Retriever",
        "age": 3,
        "date_of_birth": "2021-04-15",
        "gender": "male",
        "weight": 28,
        "microchip_number": "123456789012345",
        "vaccination_status": "up_to_date",
        "neutered": true
    },
    "health_profile": {
        "pre_existing_conditions": [],
        "current_medications": [],
        "previous_claims": false,
        "breed_specific_risks": [
            "hip_dysplasia",
            "eye_conditions"
        ]
    },
    "coverage_options": {
        "accident_coverage": true,
        "illness_coverage": true,
        "preventive_care": false,
        "dental_coverage": true,
        "emergency_care": true
    }
}
}
'

Rental Insurance​

POST /v4.1/quotation​

Porpuse

Generates rental insurance quotes.

Endpoint Explanation

This endpoint generates rental insurance quotes by evaluating device characteristics.

curl -X POST https://api.rc.saas.bolttech.asia/v4.1/quotation \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '
  {
"configuration": {
    "market_id": "market_id",
    "product_type": "product_type"
},
"payload": {
    "locale": "en",
    "applicant": {
        "first_name": "Miguel",
        "last_name": "Rodrigues",
        "phone_number": "+351989012345",
        "email": "[email protected]",
        "id_type": "id_card",
        "id_number": "99887766554",
        "date_of_birth": "1990-07-12",
        "address": "654 Rental Road",
        "district": "Viseu",
        "province": "Viseu",
        "postcode": "3500-008"
    },
    "rental_details": {
        "device_type": "smartphone",
        "preferred_brand": "Samsung",
        "preferred_model": "Galaxy S24",
        "rental_period": 24,
        "delivery_address": {
            "street": "654 Rental Road",
            "city": "Viseu",
            "postcode": "3500-008",
            "country": "Portugal"
        }
    },
    "coverage_options": {
        "accidental_damage": true,
        "theft": true,
        "liquid_damage": true,
        "loss_of_use": true
    }
}
}

  '

Notes​

  • All endpoints require Authorization: Bearer <token>
  • market path parameter defines pricing rules per region
  • locale customizes language/formatting
  • Responses return detailed premiums, coverages, terms and a quote_id for binding