Allianz Price Estimates API

openapi: 3.0.3
info:
  title: Allianz API Connect Certificates Price Estimates API
  description: Allianz API Connect provides partner APIs for embedding Australian insurance products including home and contents, landlord, and comprehensive car insurance. Enables price estimation, quoting, lead referral, and certificate retrieval within partner digital journeys.
  version: 1.0.0
  contact:
    name: Allianz Partners Support
    url: https://www.allianz.com.au/about-us/work-with-us/partners/api-connect.html
  x-generated-from: documentation
servers:
- url: https://api.allianz.com.au/v1
  description: Allianz Australia API Connect production server
security:
- OAuth2: []
tags:
- name: Price Estimates
  description: Operations for generating and retrieving insurance price estimates and quotes
paths:
  /price-estimate/assisted:
    post:
      operationId: createPriceEstimateAssisted
      summary: Allianz API Connect Create Price Estimate Assisted
      description: Generate a price estimate for a customer based on existing data using a staff-assisted workflow. Allows sales staff to access price estimates for customers with a single click.
      tags:
      - Price Estimates
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PriceEstimateAssistedRequest'
            examples:
              CreatePriceEstimateAssistedRequestExample:
                summary: Default createPriceEstimateAssisted request
                x-microcks-default: true
                value:
                  customer_id: '500123'
                  product_type: home
                  property_address:
                    street: 123 Main St
                    suburb: Sydney
                    state: NSW
                    postcode: '2000'
      responses:
        '200':
          description: Price estimate created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PriceEstimateResponse'
              examples:
                CreatePriceEstimateAssisted200Example:
                  summary: Default createPriceEstimateAssisted 200 response
                  x-microcks-default: true
                  value:
                    estimate_id: est-500123
                    product_type: home
                    annual_premium: 1250.0
                    monthly_premium: 104.17
                    currency: AUD
                    valid_until: '2026-05-19'
        '400':
          description: Invalid request parameters
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized - invalid or missing credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '403':
          description: Forbidden - insufficient partner permissions
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /price-estimate/email:
    post:
      operationId: sendPriceEstimateEmail
      summary: Allianz API Connect Send Price Estimate Email
      description: Email a price estimate directly to a customer so they can stay focused on their loan or purchase journey. Enables asynchronous quote delivery.
      tags:
      - Price Estimates
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PriceEstimateEmailRequest'
            examples:
              SendPriceEstimateEmailRequestExample:
                summary: Default sendPriceEstimateEmail request
                x-microcks-default: true
                value:
                  estimate_id: est-500123
                  customer_email: jsmith@example.com
                  customer_name: Jane Smith
      responses:
        '200':
          description: Email sent successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/EmailSentResponse'
              examples:
                SendPriceEstimateEmail200Example:
                  summary: Default sendPriceEstimateEmail 200 response
                  x-microcks-default: true
                  value:
                    message_id: msg-500456
                    status: sent
                    sent_at: '2026-04-19T10:30:00Z'
        '400':
          description: Invalid request parameters
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /price-estimate/self-service:
    post:
      operationId: createPriceEstimateSelfService
      summary: Allianz API Connect Create Price Estimate Self Service
      description: Enable customers to view price estimates in their own time by providing direct access via internet banking or partner digital platforms.
      tags:
      - Price Estimates
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PriceEstimateSelfServiceRequest'
            examples:
              CreatePriceEstimateSelfServiceRequestExample:
                summary: Default createPriceEstimateSelfService request
                x-microcks-default: true
                value:
                  product_type: car
                  vehicle:
                    make: Toyota
                    model: Camry
                    year: 2022
                    registration: ABC123
                  driver_age: 35
      responses:
        '200':
          description: Self-service price estimate URL generated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/SelfServiceEstimateResponse'
              examples:
                CreatePriceEstimateSelfService200Example:
                  summary: Default createPriceEstimateSelfService 200 response
                  x-microcks-default: true
                  value:
                    session_id: ses-500789
                    estimate_url: https://quote.allianz.com.au/session/ses-500789
                    expires_at: '2026-04-19T22:30:00Z'
        '400':
          description: Invalid request parameters
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /price-estimate/{estimate_id}/summary:
    get:
      operationId: getPriceEstimateSummary
      summary: Allianz API Connect Get Price Estimate Summary
      description: Track the status of customer price estimates and quotes with real-time reporting. Returns the current status and summary details for a given estimate.
      tags:
      - Price Estimates
      parameters:
      - name: estimate_id
        in: path
        required: true
        description: Unique identifier of the price estimate
        schema:
          type: string
        example: est-500123
      responses:
        '200':
          description: Price estimate summary retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PriceEstimateSummary'
              examples:
                GetPriceEstimateSummary200Example:
                  summary: Default getPriceEstimateSummary 200 response
                  x-microcks-default: true
                  value:
                    estimate_id: est-500123
                    status: active
                    product_type: home
                    annual_premium: 1250.0
                    currency: AUD
                    created_at: '2026-04-19T10:00:00Z'
                    valid_until: '2026-05-19'
        '404':
          description: Estimate not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /price-estimate/{estimate_id}/rating-factors:
    get:
      operationId: getPriceEstimateRatingFactors
      summary: Allianz API Connect Get Price Estimate Rating Factors
      description: Retrieve the facts, assumptions, and premium details behind a price estimate, providing a detailed breakdown of how the premium was calculated.
      tags:
      - Price Estimates
      parameters:
      - name: estimate_id
        in: path
        required: true
        description: Unique identifier of the price estimate
        schema:
          type: string
        example: est-500123
      responses:
        '200':
          description: Rating factors retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RatingFactorsResponse'
              examples:
                GetPriceEstimateRatingFactors200Example:
                  summary: Default getPriceEstimateRatingFactors 200 response
                  x-microcks-default: true
                  value:
                    estimate_id: est-500123
                    base_premium: 980.0
                    risk_loading: 200.0
                    discounts: 50.0
                    stamp_duty: 120.0
                    annual_premium: 1250.0
                    currency: AUD
                    factors:
                    - name: location_risk
                      value: medium
                      description: Medium flood and bushfire risk area
                    - name: construction_type
                      value: brick
                      description: Brick construction standard risk
        '404':
          description: Estimate not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  schemas:
    Vehicle:
      title: Vehicle
      type: object
      description: Vehicle information for car insurance estimates
      properties:
        make:
          type: string
          description: Vehicle manufacturer
          example: Toyota
        model:
          type: string
          description: Vehicle model name
          example: Camry
        year:
          type: integer
          description: Year of manufacture
          example: 2022
        registration:
          type: string
          description: Vehicle registration number
          example: ABC123
    PriceEstimateAssistedRequest:
      title: PriceEstimateAssistedRequest
      type: object
      description: Request body for creating a staff-assisted price estimate
      required:
      - customer_id
      - product_type
      properties:
        customer_id:
          type: string
          description: Unique identifier for the customer
          example: '500123'
        product_type:
          type: string
          description: Type of insurance product to estimate
          enum:
          - home
          - landlord
          - car
          example: home
        property_address:
          $ref: '#/components/schemas/Address'
    SelfServiceEstimateResponse:
      title: SelfServiceEstimateResponse
      type: object
      description: Self-service estimate session with redirect URL for customer
      properties:
        session_id:
          type: string
          description: Unique identifier for the estimate session
          example: ses-500789
        estimate_url:
          type: string
          format: uri
          description: URL for the customer to view and complete their estimate
          example: https://quote.allianz.com.au/session/ses-500789
        expires_at:
          type: string
          format: date-time
          description: Timestamp when the session expires
          example: '2026-04-19T22:30:00Z'
    ErrorResponse:
      title: ErrorResponse
      type: object
      description: Standard error response
      properties:
        error:
          type: string
          description: Error code identifying the type of error
          example: invalid_request
        message:
          type: string
          description: Human-readable description of the error
          example: The provided estimate_id does not exist
        request_id:
          type: string
          description: Unique identifier for the failed request for support reference
          example: req-500999
    EmailSentResponse:
      title: EmailSentResponse
      type: object
      description: Confirmation that an email has been sent
      properties:
        message_id:
          type: string
          description: Unique identifier for the sent message
          example: msg-500456
        status:
          type: string
          description: Status of the email delivery
          enum:
          - sent
          - pending
          - failed
          example: sent
        sent_at:
          type: string
          format: date-time
          description: Timestamp when the email was sent
          example: '2026-04-19T10:30:00Z'
    PriceEstimateEmailRequest:
      title: PriceEstimateEmailRequest
      type: object
      description: Request body for emailing a price estimate to a customer
      required:
      - estimate_id
      - customer_email
      properties:
        estimate_id:
          type: string
          description: Unique identifier of the price estimate to email
          example: est-500123
        customer_email:
          type: string
          format: email
          description: Customer email address to send the estimate to
          example: jsmith@example.com
        customer_name:
          type: string
          description: Customer full name for personalizing the email
          example: Jane Smith
    PriceEstimateSummary:
      title: PriceEstimateSummary
      type: object
      description: Summary information for a price estimate including status and premium
      properties:
        estimate_id:
          type: string
          description: Unique identifier for the estimate
          example: est-500123
        status:
          type: string
          description: Current status of the estimate
          enum:
          - active
          - expired
          - converted
          example: active
        product_type:
          type: string
          description: Insurance product type
          example: home
        annual_premium:
          type: number
          format: double
          description: Annual premium amount
          example: 1250.0
        currency:
          type: string
          description: Currency code
          example: AUD
        created_at:
          type: string
          format: date-time
          description: Timestamp when the estimate was created
          example: '2026-04-19T10:00:00Z'
        valid_until:
          type: string
          format: date
          description: Date until which the estimate is valid
          example: '2026-05-19'
    PriceEstimateResponse:
      title: PriceEstimateResponse
      type: object
      description: Price estimate result with premium amounts
      properties:
        estimate_id:
          type: string
          description: Unique identifier for the generated estimate
          example: est-500123
        product_type:
          type: string
          description: Insurance product type
          example: home
        annual_premium:
          type: number
          format: double
          description: Annual insurance premium amount
          example: 1250.0
        monthly_premium:
          type: number
          format: double
          description: Monthly insurance premium amount
          example: 104.17
        currency:
          type: string
          description: Currency code for the premium amounts
          example: AUD
        valid_until:
          type: string
          format: date
          description: Date until which this estimate is valid
          example: '2026-05-19'
    RatingFactor:
      title: RatingFactor
      type: object
      description: An individual factor that contributed to the premium calculation
      properties:
        name:
          type: string
          description: Name of the rating factor
          example: location_risk
        value:
          type: string
          description: Value or level of the rating factor
          example: medium
        description:
          type: string
          description: Human-readable description of the factor impact
          example: Medium flood and bushfire risk area
    Address:
      title: Address
      type: object
      description: Australian postal address
      properties:
        street:
          type: string
          description: Street address including number
          example: 123 Main St
        suburb:
          type: string
          description: Suburb name
          example: Sydney
        state:
          type: string
          description: Australian state or territory code
          enum:
          - NSW
          - VIC
          - QLD
          - WA
          - SA
          - TAS
          - ACT
          - NT
          example: NSW
        postcode:
          type: string
          description: Australian postcode
          example: '2000'
    PriceEstimateSelfServiceRequest:
      title: PriceEstimateSelfServiceRequest
      type: object
      description: Request body for creating a self-service price estimate session
      required:
      - product_type
      properties:
        product_type:
          type: string
          description: Type of insurance product for the estimate
          enum:
          - home
          - landlord
          - car
          example: car
        vehicle:
          $ref: '#/components/schemas/Vehicle'
        driver_age:
          type: integer
          description: Age of the primary driver for car insurance
          example: 35
    RatingFactorsResponse:
      title: RatingFactorsResponse
      type: object
      description: Detailed premium breakdown and rating factors for an estimate
      properties:
        estimate_id:
          type: string
          description: Unique identifier for the estimate
          example: est-500123
        base_premium:
          type: number
          format: double
          description: Base premium before adjustments
          example: 980.0
        risk_loading:
          type: number
          format: double
          description: Additional risk-based premium loading
          example: 200.0
        discounts:
          type: number
          format: double
          description: Applied discounts
          example: 50.0
        stamp_duty:
          type: number
          format: double
          description: Government stamp duty
          example: 120.0
        annual_premium:
          type: number
          format: double
          description: Final annual premium after all adjustments
          example: 1250.0
        currency:
          type: string
          description: Currency code
          example: AUD
        factors:
          type: array
          description: List of individual rating factors applied
          items:
            $ref: '#/components/schemas/RatingFactor'
  securitySchemes:
    OAuth2:
      type: oauth2
      description: OAuth2 client credentials flow for partner API access
      flows:
        clientCredentials:
          tokenUrl: https://api.allianz.com.au/oauth2/token
          scopes:
            price_estimate: Access to price estimation APIs
            lead_referral: Access to lead referral APIs
            policy_details: Access to policy detail APIs
            certificates: Access to certificate retrieval APIs