| Expand | ||||
|---|---|---|---|---|
| ||||
|
...
By obtaining data about a customer pertaining to their past or current insurance policies, carvehicle, customer profile, premiums and previous/pending claims, an insurance broker or insurance provider can provide the customer with a personalised insurance quote. This insurance service request enables TPPs to retrieve a User’s data (with the User’s consent) held with a LFI. The TPP agrees the boundaries of the data sharing consent with the User, the TPP then sends this data sharing consent to the LFI, where it is approved by the User. TPPs are then further able to retrieve the status of the data sharing consent. This User journey requires a consent similar to that of an Account Access Consent.
...
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 Customer Information
Property
Description
Insured Vehicle
Car Make
Drop-down list of car makes (e.g., Toyota, Lexus, Honda)
Car Model
Drop-down list of models based on previous selection
Car Model Year
Drop-down selections (1900-present year)
Car Purchase Date
dd/mm/yyyy
Car Specification
Drop-down selections (Light vehicle, truck, etc.)
Estimated Value
Only numeric answers allowed (in AED)
Date of Registration
dd/mm/yyyy
Vehicle Passing Certificate
pdf attachment
Dealers Quote
quote from dealer reflecting all costs (out-the-door price)
Chassis Number
Only numeric answers allowed
Engine Number
Only numeric answers allowed
Country of Origin
Select from list
Vehicle Color
Select from list
Plate Number
Free-form
Plate Code
Free-form
Vehicle Mileage
Only numeric answers allowed (in km)
Vehicle Weight
Only numeric answers allowed (in kg)
Traffic Code Issuing Emirate
Select from drop-down list (e.g., Dubai, Ajman, Abu Dhabi)
Traffic ID Number
Only numeric answers allowed
Vehicle History
Vehicle imported / modified / declared as total loss before
Driving History
More than 1 year of driving experience
First Time Registration
Yes/No
Vehicle Mortgage
Pending mortgage amount on the vehicle
Policy
Policy Number
Only numeric answers allowed
Policy Issue Date
dd/mm/yyyy
Policy Expiry Date
dd/mm/yyyy
Coverage Type
Select from drop-down list (e.g., Full, Partial, Other) - may vary by insurance company
Policy Limits
Free-form
Policy Exclusions
Free-form
Coverage Amount
Only numeric answers allowed (in AED)
Coverage Start Date
dd/mm/yyyy
Coverage End Date
dd/mm/yyyy
Previous Policy Insurer
Free-form
Previous Policy Start Date
dd/mm/yyyy
Property | Description |
Basic Information | |
Customer ID | Depends on insurance company |
Customer Full Name | Free-form |
Customer Short Name | Free-form |
Category / Segment | Depends on insurance company |
Local Branch | Depends on insurance company |
Primary Language | English / Arabic / Other |
Billing Address | |
Address Line 1 | Free-form |
Address Line 2 | Free-form |
Address Line 3 | Free-form |
Postal Code | Only numeric answers allowed |
Country | Select from list |
State / Emirate | Select from list generated based on previous selection |
City | Select from list generated based on previous selection |
Permanent Address | |
Address Line 1 | Free-form |
Address Line 2 | Free-form |
Address Line 3 | Free-form |
Postal Code | Only numeric answers allowed |
Country | Select from list |
State / Emirate | Select from list generated based on previous selection |
City | Select from list generated based on previous selection |
Residential Address | |
Address Line 1 | Free-form |
Address Line 2 | Free-form |
Address Line 3 | Free-form |
Postal Code | Only numeric answers allowed |
Country | Select from list |
State / Emirate | Select from list generated based on previous selection |
City | Select from list generated based on previous selection |
Communication | |
Communication Type 1 | Home / Mobile / Other |
Communication Phone Number 1 | Area code selection option and 9-10 additional digits permissable |
Communication Type 2 | Home / Mobile / Other |
Communication Phone Number 2 | Area code selection option and 9-10 additional digits permissable |
Communication Type 3 | Home / Mobile / Other |
Communication Phone Number 3 | Area code selection option and 9-10 additional digits permissable |
Email ID | Must be a valid email address (i.e., include @ followed by domain) |
Alternate Email ID | Must be a valid email address (i.e., include @ followed by domain) |
Background and Family | |
Gender | Male/Female |
Date of Birth | dd/mm/yyyy |
Marital Status | Married/Single |
Education Background | High School/ Bachelor's/ Masters/ PhD/ Other |
Nationality | Select from list |
Dual Nationality | Yes / No |
Second Nationality (if applicable) | Select from list |
Salutation | Mr./ Ms./ Mrs./ Dr./ Other |
Country of Birth | Select from list |
City of Birth | Select from list generated based on previous selection |
Religion | Christian/ Muslim/ Jewish/ Hindu/ Buddhist/ Other |
Mother's Maiden Name | Free-form |
Spouse Name | Free-form |
Spouse Date of Birth | dd/mm/yyyy |
Spouse Employment Details | Employed/ Unemployed |
Spouse Phone Number | Area code selection option and 9-10 additional digits permissable |
Number of Children | Only numeric answers allowed |
Employment | |
Profession | Free-form |
Profession Description | Free-form |
Employer Name | Free-form (or company name in case of self-employment) |
Employer Address | Free-form (or company name in case of self-employment) |
Employment Type | Select from list of options (e.g., Employed, Self-Employed, Retired, Unemployed) |
Employment Location | Free-form |
Nature of Business | Select from list of categories (e.g., Law, Finance, Medicine) |
Designation | Free-form |
Source of Income | Free-form (e.g. salary / dividends from ownership) |
Income Currency | Select from a list of options (e.g., AED, USD, SAR) |
Montly Income | Only numeric answers allowed (in AED) |
Annual Income | Only numeric answers allowed (in AED) |
Employment Start Date | dd/mm/yyyy |
Identification | |
EID Number | Only 15 digits permissible |
EID Expiry Date | dd/mm/yyyy |
Passport Issue Country | Select from list |
Passport Number | Only numeric answers allowedAlphanumeric identifier |
Passport Issue Date | dd/mm/yyyy |
Passport Expiry Date | dd/mm/yyyy |
Visa Number | Only numeric answers allowed |
Visa Issue Country | Select from list |
Visa Issue Date | dd/mm/yyyy |
Visa Expiry Date | dd/mm/yyyy |
UAE Driving License Number | Only 7 digits permissible |
UAE Driving License Issue Date | dd/mm/yyyy |
UAE Driving License Issuing Emirate | Select from drop-down list (e.g., Dubai, Ajman, Abu Dhabi) |
Mulkiya Card | pdf attachment |
Home Country Driving License Number | Free-form |
7.2 Product Data
Bank Information | |
Bank Account Number | Free-form (may vary by bank and country) |
IBAN | Free-form (may vary by bank and country) |
Swift Code | Free-form (may vary by bank and country) |
Name on Account | Free-form |
Bank Name | Free-form |
Home Branch | Free-form (may vary by bank and country) |
Type of Account | Free-form (may vary by bank and country) |
Emergency Contacts | |
Emergency Contact 1 Name | Free-form |
Emergency Contact 1 Relationship | Free-form |
Emergency Contact 1 Phone Number | Area code selection option and 9-10 additional digits permissable |
Emergency Contact 1 Email Address | Must be a valid email address (i.e., include @ followed by domain) |
Emergency Contact 2 Name | Free-form |
Emergency Contact 2 Relationship | Free-form |
Emergency Contact 2 Phone Number | Area code selection option and 9-10 additional digits permissable |
Emergency Contact 2 Email Address | Must be a valid email address (i.e., include @ followed by domain) |
7.2 Product Data
Property | Description |
Insured Vehicle | |
Vehicle Make | Drop-down list of vehicle makes (e.g., Toyota, Lexus, Honda) |
Vehicle Model | Drop-down list of models based on previous selection |
Vehicle Model Year | Drop-down selections (1900-present year) |
Vehicle Purchase Date | dd/mm/yyyy |
Vehicle Specification | Drop-down selections (Light vehicle, truck, etc.) |
Estimated Value | Only numeric answers allowed (in AED) |
Date of Registration | dd/mm/yyyy |
Vehicle Passing Certificate | pdf attachment |
Dealers Quote | quote from dealer reflecting all costs (out-the-door price) |
Chassis Number | Only numeric answers allowed |
Engine Number | Only numeric answers allowed |
Country of Origin | Select from list |
Vehicle Color | Select from list |
Plate Number | Free-form |
Plate Code | Free-form |
Vehicle Mileage | Only numeric answers allowed (in km) |
Vehicle Weight | Only numeric answers allowed (in kg) |
Traffic Code Issuing Emirate | Select from drop-down list (e.g., Dubai, Ajman, Abu Dhabi) |
Traffic ID Number | Only numeric answers allowed |
Vehicle History | Vehicle imported / modified / declared as total loss before |
Driving History | More than 1 year of driving experience |
First Time Registration | Yes/No |
Vehicle Mortgage | Pending mortgage amount on the vehicle |
Policy | |
Policy Number | Only numeric answers allowed |
Policy Issue Date | dd/mm/yyyy |
Policy Expiry Date | dd/mm/yyyy |
Any previous claims? | Yes/No |
If yes, provide amount and detailsCoverage Type | Select from drop-down list (e.g., Full, Partial, Other) - may vary by insurance company |
Policy Limits | Free-form |
Policy Exclusions | Free-form |
Coverage Amount | Only numeric answers allowed (in AED) for amount and free-form for details |
7.3 Transaction Data
Property
Description
Account Information
Bank Account Number
Free-form (may vary by bank and country)
IBAN
Free-form (may vary by bank and country)
Swift Code
Free-form (may vary by bank and country)
Name on Account
Free-form
Bank Name
Free-form
Home Branch
Free-form (may vary by bank and country)
Type of Account
Free-form (may vary by bank and country)
Premium
Policy Premium Value
Coverage Start Date | dd/mm/yyyy |
Coverage End Date | dd/mm/yyyy |
Previous Policy Insurer | Free-form |
Previous Policy Start Date | dd/mm/yyyy |
Previous Policy Expiry Date | dd/mm/yyyy |
Any previous claims? | Yes/No |
If yes, provide amount and details | Only numeric answers allowed (in AED) |
for amount and free-form for details | |
Add-Ons | |
Drivers Personal Accident | Driver accidental coverage included? |
Passengers Personal Accident | Passenger accidental coverage included? |
7.3 Transaction Data
Property
Description
Add-Ons
Drivers Personal Accident
Driver accidental coverage included?
Passengers Personal Accident
Passenger accidental coverage included?
Emergency Contacts
Emergency Contact 1 Name
Free-form
Emergency Contact 1 Relationship
Free-form
Emergency Contact 1 Phone Number
Area code selection option and 9-10 additional digits permissable
Emergency Contact 1 Email Address
Must be a valid email address (i.e., include @ followed by domain)
Emergency Contact 2 Name
Free-form
Emergency Contact 2 Relationship
Free-form
Emergency Contact 2 Phone Number
Area code selection option and 9-10 additional digits permissable
Emergency Contact 2 Email Address
Property | Description | |
Premium | ||
Policy Premium Value | Only numeric answers allowed (in AED) | |
Policy Premium Payment Period | Select from drop-down list (e.g., Monthly, Bi-annually, Annually) | |
Premium Payment Records | pdf attachment | |
Outstanding Balances | Only numeric answers allowed (in AED) | |
Claims | ||
Number of claims last 12 months | Only numeric answers allowed | |
Loan (if applicable) | ||
Loan Date (if applicable) | dd/mm/yyyy | |
Loan Amount (if applicable) | Only numeric answers allowed (in AED) | |
Interest Rate (if applicable) | Only numeric answers allowed | Total value of claims last 12 months(%) |
Repayment Schedule (if applicable) | Only numeric answers allowed (in AED) | Total value of approved claims last 12 monthsyears) |
Outstanding Loan Balance (if applicable) | Only numeric answers allowed (in AED) | Number of claims last 36 |
Benefit Payouts | ||
Benefit Payout Date 1 | dd/mm/yyyy | |
Benefit Payout Amount 1 | Only numeric answers allowed (in AED) | |
Benefit Payout Date 2 | dd/mm/yyyy | |
Benefit Payout Amount 2 | Only numeric answers allowed (in AED) | |
Claims | ||
Number of claims last 12 months | Only numeric answers allowed | |
Number of approved claims last 36 12 months | Only numeric answers allowed | |
Total value of claims last 36 12 months | Only numeric answers allowed (in AED) | |
Total value of approved claims last 36 12 months | Only numeric answers allowed (in AED) | |
Claim 1 Number of claims last 36 months | Only numeric answers allowed | |
Number of approved claims last 36 months | Only numeric answers allowed | |
Total value of claims last 36 months | Only numeric answers allowed (in AED) | |
Total value of approved claims last 36 months | Only numeric answers allowed (in AED) | |
Claim 1 Date | dd/mm/yyyy | |
Claim 1 Description | Free-form | |
Claim 1 Status | Select from drop-down list (e.g., Submitted, Pending, Complete) | |
Claim 1 Amount | Only numeric answers allowed (in AED) | |
Deductible Amount 1 | Only numeric answers allowed (in AED) | |
Claim 2 Date | dd/mm/yyyy | |
Claim 2 Description | Free-form | |
Claim 2 Status | Select from drop-down list (e.g., Submitted, Pending, Complete) | |
Claim 2 Amount | Only numeric answers allowed (in AED) | |
Deductible Amount 2 | Only numeric answers allowed (in AED) | |
7.4 Other Data
Previous Policies | |
Previous Insurance Company 1 | Free-form |
Previous Policy ID 1 | Depends on insurance company |
Purchase Date | dd/mm/yyyy |
Renewal Date 1 | dd/mm/yyyy |
Renewal Date 2 | dd/mm/yyyy |
Premium Amount | Only numeric answers allowed (in AED) |
Deductible Amount (if any) | Only numeric answers allowed (in AED) |
Coverage Type | Select from drop-down list (e.g., Full, Partial, Other) - may vary by insurance company |
Adjustment Date 1 (if any) | dd/mm/yyyy |
Premium Adjustment 1 (if any) | Only numeric answers allowed (in AED) |
Coverage Adjustment 1 (if any) | Free-form |
Reason for Adjustment 1 (if any) | Free-form |
Adjustment Date 2 (if any) | dd/mm/yyyy |
Premium Adjustment 2 (if any) | Only numeric answers allowed (in AED) |
Coverage Adjustment 2 (if any) | Free-form |
Reason for Adjustment 2 (if any) | Free-form |
Loan Date (if applicable) | dd/mm/yyyy |
Loan Amount (if applicable) | Only numeric answers allowed (in AED) |
Interest Rate (if applicable) | Only numeric answers allowed (%) |
Repayment Schedule (if applicable) | Only numeric answers allowed (in years) |
Outstanding Loan Balance (if applicable) | Only numeric answers allowed (in AED) |
Benefit Payout Date 1 | dd/mm/yyyy |
Benefit Payout Amount 1 | Only numeric answers allowed (in AED) |
Benefit Payout Date 2 | dd/mm/yyyy |
Benefit Payout Amount 2 | Only numeric answers allowed (in AED) |
Termination Date | dd/mm/yyyy |
Reason for Cancellation | Free-form |
Refund Amount (if any) | Only numeric answers allowed (in AED) |
Surrender Date (if applicable) | dd/mm/yyyy |
Surrender Amount (if applicable) | Only numeric answers allowed (in AED) |
Reason for Surrender | Free-form |
Cash Value of Policy Paid to Policyholder | Only numeric answers allowed (in AED) |
8. Data Clusters
The following table describes how permissions MUSTbe grouped into Data Clusters and the language that MUST be used to describe the data at each of these clusters. Both TPPs and LFIs MUST describe the data being shared at a Data Cluster level and allow Users to “drill-down” to see the detail at the Permission level using the permission language set-out in the table below.
Where both Basic and Detail permissions are available for a set of data elements, the Detail permission contains all data elements of the Basic permission plus the additional elements described in the table. For more details about the information in the Data Clusters and permissions, please refer to the Insurance API Specifications.
Data Cluster language | Permissions | Permissions Language | Examples of Information available |
|---|---|---|---|
Your Motor Insurance Policies | Motor Insurance Policies (ReadMotorInsurancePolices) | Any other name by which you refer to these policies | Provide policy identifiers to facilitate retrieval of other policy details. No other policy data is provided unless explicitly requested. |
Your Customer Details | Customer Basic (ReadMotorInsuranceCustomerBasic) | Your basic information | Provides basic customer information, including full name and short name. |
Customer Detail (ReadMotorInsuranceCustomerDetail) | Your detailed information | Provides full customer details, including address, employment information, and emergency contact details. | |
Your Payment Details | Bank Account Information (ReadMotorInsuranceCustomerPaymentDetails) | Your bank account details | Provides customer bank account information. |
Your Product Information | Policy and Vehicle Information (ReadMotorInsuranceProduct) | Your policy and vehicle information | Provides all policy data including policy number and vehicle information. |
Your Transaction Information | Premium and Claim Information (ReadMotorInsuranceTransactions) | Your premiums and claims | Provides premium and claim information. |
Note
With respect to the Data Clusters and Permissions language, LFIs SHOULD consider whether the language that is displayed to Users is appropriate when the information being accessed relates to more than one party. For example, “Your data” may need to be adapted to just “data” to indicate to Users that the account information being displayed may not be solely specific to them. For example, in cases of joint accounts, when the account information of both parties is requested.