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The below data categories define potentially relevant properties that should be available from an LFI holding a motor insurance policy for a customer. These data categories will be grouped as clusters of permissions to ensure TPPs are requesting data relevant to the service that they are providing in language that is easy to understand for the user.
7.1
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Basic Information
7.4 Policy & Premium Data
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Property
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Description
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policyNumber
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Insurance policy number
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inceptionDate
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Cover inception date and time
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expiryDate
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Cover expiry date and time
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status
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Status of policy
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discountAmount
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Loyalty discount and discounts applied other than no claim bonus
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premiumRate
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Percentage rate
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grossWrittenPremium
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Gross insurance premium amount and acquisition costs before sales tax
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salesTax
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Tax as percentage
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brokeragePercentage
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Percentage of commission paid to intermediary
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brokerageAmount
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Money amount commission paid to intermediary
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premiumPaymentFrequency
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Frequency of premium payment
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indemnityLimitPolicy
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Annual policy limit
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indemnityLimitAccident
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Combined single limit any one accident
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isAgreedValue
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Sum insured based on agreed value instead of market value yes or no
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endorsementID
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Endorsement number
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endorsementDate
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Date of endorsement
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endorsementType
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Type of endorsement
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peril
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perils insured against
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voluntaryDeductiblePercentage
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percentage amount of each and every loss
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voluntaryDeductibleAmount
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amount of each and every loss
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compulsoryDeductiblePercentage
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percentage amount of each and every loss
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compulsoryDeductibleAmount
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amount of each and every loss
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windscreenDeductiblePercentage
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percentage amount of each and every loss
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windscreenDeductibleAmount
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amount of each and every loss
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distanceUnit
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km, miles
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pleasureDistance
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average annual distance travelled on pleasure trips
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businessDistance
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average annual distance travelled on business trips
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numberOfVehicles
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number of vehicles insured under a policy
7.5 Claims Data
Property
Description
claimNumber
Claim number assigned by lead risk carrier
fnol
Date of first notification of loss
lossDate
Date of loss occurrence
claimType
Type of damage claimed for
location
Location of where accident or incident happened
lossCause
Cause of incident
description
Description of cause of loss
liabilityShare
Percentage amount for policyholder's share in liability for loss as per police report, court decision or other regulatory requirements
reserve
Money amount for estimated incurred loss inclusive of all expenses
claimStatus
Current status of claim
lastUpdate
Last file update
reopenDate
Date claim case was reopened
excessAmount
Money amount applicable to excess
paymentMethod
Method used to settle the claim
documents
Property | Description |
lineOfBusiness | Class of insurance business e.g. motor comprehensive insurance |
productModel | Type of insurance product e.g. comprehensive, third-party |
contractType | Automated, smart contract or conventional |
gracePeriod | Days until the policy lapse date |
currency | Currency used to define policy limit, sum insured, excess etc. |
policyFee | Policy administration fees |
premiumPaymentFrequency | Frequency of premium payment e.g. annual, monthly |
profitShare | Profit share formula agreed with policyholder |
intermediary | Name of intermediary |
7.2 Customer Data
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Property
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Description
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name
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First name, last name
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gender
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Male/female
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driverDOB
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Age of primary driver/rider
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Email address
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mobilePhone
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Mobile phone number
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address
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Place of residence
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idNumber
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Number shown on official identity document
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isPrimaryDriver
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Are they the primary driver, are they permitted
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licence
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Driving licence details
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noClaimsDiscount
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Number of years of no claims bonus/no claims discount
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conviction
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Offence date, offence code
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medicalConditon
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Medical restriction, notifiable condition
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nonMotorConviction
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Information on notifiable non motor convictions
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workStatus
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Self-employed, employed, unemployed
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occupation
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Profession of natural person
7.3 Vehicle Data
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Property
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Description
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plateNumber
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Vehicle plate number
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registrationDate
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Date of the first registration of the vehicle with the respective public authorities.
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emirateOfRegistration
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Emirate where vehicle is registered
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chassisNumber
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Vehicle chassis number
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vin
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An alphanumeric series that includes make, model, and serial number for a vehicle
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engineNumber
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Engine number
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vehicleWeight
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Vehicle curb weight in kg
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agencyRepair
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Has the vehicle been repaired yes or no
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vehicleGarage
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Is the vehicle kept in garage yes or no
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bodyType
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Body shape
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fuelType
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Type of fuel used
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aiClassification
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Level of autonomous driving used according to definitions of SAE International
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vehicleUse
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Primary use of vehicle
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yearlyMilage
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Average kilometres driven per year
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vehicleBrand
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Brand name for the maker of the vehicle
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vehicleModel
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Model name for type of vehicle brand
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modelYear
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Year of manufacture
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seats
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Number of seats as per vehicle registration certificate
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colour
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Colour of vehicle body
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trailerIncluded
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Is trailer hitched
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sumInsured
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Sum the vehicle is insured for
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accessories
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Description of fitted accessories
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accessoryValue
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Total value of accessories
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engineCapacity
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Capacity of engine in cubic centimetres
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co2Emissions
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Meets co2 emissions standard yes or no
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automaticTransmission
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Manual or automatic
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lefthandDrive
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Vehicle steering system lefthand or righthand drive
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disabilityAdapted
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Adapted vehicle for a disabled driver yes or no
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doors
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Number of doors including boot if it opens upward and includes the rear window
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securityDevice
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Type of security device fitted in vehicle
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modification
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Modification made to vehicle including colour, seating capacity, engine, cylinder capacity, fuel type, chassis or body shell or weight
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digitalKeyUsed
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Keyless access available yes or no
Customer ID | |
Customer Full Name | First name, last name |
Customer Short Name | |
Category / Segment | |
Local Branch | |
Primary Language | English / Arabic / Other |
7.2 Customer Data
Property | Description |
Correspondence Address | |
Address Line 1 |
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Address Line 2 |
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Address Line 3 |
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Postal Code |
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City |
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State / Emirate |
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Country |
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Permanent Address | |
Address Line 1 |
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Address Line 2 |
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Address Line 3 |
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Postal Code |
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City |
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State / Emirate |
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Country |
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Residential Address | |
Address Line 1 |
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Address Line 2 |
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Address Line 3 |
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Postal Code |
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City |
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State / Emirate |
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Country |
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Communication Type 1 | Home / Mobile / Other |
Communication Number 1 |
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Communication Type 2 | Home / Mobile / Other |
Communication Number 2 |
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Communication Type 3 | Home / Mobile / Other |
Communication Number 3 |
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Email ID |
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Alternate Email ID |
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7.3 Individual Customer Details
Property | Description |
Personal Details | |
Gender | Male/female |
Date of Birth | Age of primary driver/rider |
Marital Status |
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Education Background |
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Nationality |
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Dual Nationality | y/n |
Second Nationality |
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Salutation |
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City of Birth | |
Country of Birth |
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Religion |
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Mother's Maiden Name |
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Spouse Name |
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Spouse Date of Birth |
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Spouse Employment Details |
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Spouse Contact |
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Number of children |
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Professional Details | |
Profession |
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Profession Description |
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Employer Name | or company name in case of self-employment |
Employer Address | or company address in case of self-employment |
Employment Type |
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Employment Location |
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Nature of Business |
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Designation |
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Source of Income | e.g. salary / dividends from ownership |
Income Currency |
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Montly Income |
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Annual Income |
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Employment Start Date |
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Identification Details | |
EID Number | Emirates ID number |
EID Expiry Date | Emirates ID expiry date |
Passport Number |
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Passport Issue Country |
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Passport Issue Date |
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Passport Expiry Date |
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Visa Number |
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Visa Issue Country | UAE Visa Issued from which country |
Visa Issue Date |
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Visa Expiry Date |
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UAE Driving License Number |
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UAE Driving License Issue Date |
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UAE Driving License Issuing Emirate |
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Mulkiya Card |
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Vehicle Passing Certificate |
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Dealers Quote | Quote from dealer reflecting all costs (out-the-door price) |
Home Country Driving License |
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7.4 Vehicle Data
Property | Description |
plateNumber | Vehicle plate number |
registrationDate | Date of the first registration of the vehicle with the respective public authorities. |
emirateOfRegistration | Emirate where vehicle is registered |
chassisNumber | Vehicle chassis number |
vin | An alphanumeric series that includes make, model, and serial number for a vehicle |
engineNumber | Engine number |
vehicleWeight | Vehicle curb weight in kg |
agencyRepair | Has the vehicle been repaired yes or no |
vehicleGarage | Is the vehicle kept in garage yes or no |
bodyType | Body shape |
fuelType | Type of fuel used |
aiClassification | Level of autonomous driving used according to definitions of SAE International |
vehicleUse | Primary use of vehicle |
yearlyMilage | Average kilometres driven per year |
vehicleBrand | Brand name for the maker of the vehicle |
vehicleModel | Model name for type of vehicle brand |
modelYear | Year of manufacture |
seats | Number of seats as per vehicle registration certificate |
colour | Colour of vehicle body |
trailerIncluded | Is trailer hitched |
sumInsured | Sum the vehicle is insured for |
accessories | Description of fitted accessories |
accessoryValue | Total value of accessories |
engineCapacity | Capacity of engine in cubic centimetres |
co2Emissions | Meets co2 emissions standard yes or no |
automaticTransmission | Manual or automatic |
lefthandDrive | Vehicle steering system lefthand or righthand drive |
disabilityAdapted | Adapted vehicle for a disabled driver yes or no |
doors | Number of doors including boot if it opens upward and includes the rear window |
securityDevice | Type of security device fitted in vehicle |
modification | Modification made to vehicle including colour, seating capacity, engine, cylinder capacity, fuel type, chassis or body shell or weight |
digitalKeyUsed | Keyless access available yes or no |
7.5 Policy Data
Property | Description |
Policy Issue Date | |
Policy Expiry Date | |
Policy Type | |
Coverage Amount | |
Coverage Start Date | |
Policy Premium | |
Policy Holder Emirates | |
Previous Policy Number | |
Previous Policy Insurer | |
Previous Policy Start Date | |
Previous Policy Expiry Date |
7.6 Historical Information
Property | Description |
Additional Insurance Information | Gap in car insurance or vehicle under TPL coverage |
Driving History | More than 1 year of driving experience |
Number of claims last 12 months |
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Number of approved claims last 12 months |
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Total value of claims last 12 months |
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Total value of approved claims last 12 months |
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Number of claims last 36 months |
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Number of approved claims last 36 months |
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Total value of claims last 36 months |
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Total value of approved claims last 36 months |
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