Motor Insurance
Motor is the largest integration surface in the API. This section splits it into the parts you work through in order: what to check before selling, which products to sell, the three ways a policy can be issued, and everything you do to a policy afterwards.
Every step in this section is runnable. Set your key once, fill in the request, press Try it out, and read the real response without leaving the page — see Running requests from the guide.
Set it once and every Try it out below is authenticated. It stays in this browser's local storage and is never sent anywhere but the API.
Choose your issuance flow
Motor supports all four issuance flows. Two choices decide which one you build: whether you raise a quotation first, and whether Inshuwa collects the premium.
| Prepaid — Inshuwa collects | Account-settled — PayLater / external | |
|---|---|---|
| Quotation first | A. Quote and payPOST /quotations/motor → POST /payments/{quoteId}/pay | C. Quote and issuePOST /quotations/motor → POST /policies/motor/{quoteId}/issue |
| Instant (one call) | B. Instant issue and payPOST /policies/motor/instant/issue/pay | D. Instant issuePOST /policies/motor/instant/issue |
Paying a quotation issues it
On flow A there is no separate issue call. POST /payments/{quoteId}/pay initiates the collection and the policy is issued automatically once the payment confirms. POST /policies/motor/{quoteId}/issue is the account-settled counterpart, not a second step after paying.
The prepaid flows settle asynchronously — the response is Pending and cover starts when the payment confirms. The account-settled flows issue immediately, and need your account to be configured for PayLater or external settlement.
Flows B and D take the policyholder and vehicles inline, so nothing needs to be registered first. Flows A and C register the client and vehicle before quoting.
The rest of the section
Everything outside the flow itself is shared by all three:
| Page | What it covers |
|---|---|
| Pre-sale checks | Is the vehicle already insured, does a policy exist, RTSA anniversary dates, vehicle search |
| Products and pricing | Motor products, risk categories, rate cards, premium estimates, cover duration |
| Policies and documents | Schedule, certificate, receipt, and finding policies and quotations |
| Renewal and extension | Quoting the change, then renewing or extending with or without payment |
Full request and response detail for every endpoint in this section is in the API Reference.