Price a quote

A quote is the insurer's firm price for your customer's answers. Your customer can buy it until it expires.

1. Request the quotelink

curl -X POST https://insure-api.netapps.ng/api/v1/quotes \
  -H "x-api-key: $INSURETECH_API_KEY" \
  -H "Idempotency-Key: 3f0e6a52-8c1b-4d7e-9a41-2b6c5d8e7f90" \
  -H "X-Request-Id: order_10293" \
  -H "Content-Type: application/json" \
  -d '{
    "providerId": "66f1c2a9e4b0d3a1c8e7f512",
    "productId": "prod_motor_comprehensive_v3",
    "formId": "form_motor_quote",
    "formVersion": 1,
    "formData": {
      "vehicle": {
        "make": "TOYOTA",
        "age": 4,
        "sumInsured": { "amountMinor": 600000000, "currency": "NGN" }
      }
    },
    "channel": "web"
  }'

Add configuration when your customer chose a variant or add-ons from the product's config.

2. Show the pricelink

Field	What to do with it
`quote.quoteId`	Keep it. You buy the quote with it.
`quote.totalMinor`, `quote.currency`	The full price. `4037500` NGN is ₦40,375.00.
`quote.expiresAt`	Buy before this time, or quote again.
`quote.usable`	Whether the quote can still be bought.
`quote.document.breakdown`	Base premium, add-ons, discounts, fees and taxes, to show your customer.
`quote.document.paymentOptions`	Installment schedules, when the insurer offers them.

3. Handle background pricinglink

Some insurers price in the background. Then you get 202, quote.usable is false and quote.document.status is PENDING. Either:

wait for the quote.completed webhook, or
poll GET /quotes/{providerId}/{quoteId} until usable is true.

Buying a pending quote is 409 QUOTE_PENDING.

Fix what the insurer refuseslink

Answer	What to do
422 `VALIDATION_FAILED` with `fieldErrors`	Show each error next to its field, then quote again with a new `Idempotency-Key`.
409 `PRODUCT_NOT_PURCHASABLE`	The insurer is not available to your business in this environment. `details.reasons` says why. Offer another product.
503 `MAINTENANCE`	The insurer cannot be called in this environment. Contact support.

Nextlink

Take payment and buy the quote.