QBE Australia ANZO Digital Brokers Experience API

QBE Australia's broker-facing policy lifecycle API, published in the QBE Australia API Hub as the "ANZO Digital Brokers" product. QBE describes it as providing "access to the insurance policy lifecycle with QBE from creating quotes to policy binding, endorsements, renewals and more", integrating a broker platform with QBE's underwriting system. Fifteen documented operations cover create/modify/abandon quote, bind a quote into a policy (issuing a policy number), endorse, renew, cancel, abandon and refer a policy to a QBE underwriter, plus quote and policy document upload and a health check. Access requires an approved Azure APIM subscription key plus X-ClientID / X-ClientSecret and an X-Partner-Id drawn from a fixed enumeration of QBE's broker partners — it is not self-serve. No claims or FNOL operations are exposed.

OpenAPI Specification

qbe-anzo-digital-brokers-openapi.yml Raw ↑
openapi: 3.0.1
info:
  title: ANZO Digital Brokers Experience API
  version: v1
  x-provenance:
    harvestedBy: API Evangelist
    harvestDate: '2026-07-25'
    portal: https://connect.api-au.qbe.com/apis
    method: Assembled from QBE's own anonymously-published Azure API Management developer-portal data endpoints. info/servers/securitySchemes
      come verbatim from GET https://connect.api-au.qbe.com/developer/apis/x-digital-brokers-qbe-anzov1?export=true&format=openapi+json
      (HTTP 200), which QBE returns with an empty paths object to anonymous callers. Paths, parameters, request/response bodies
      and examples come verbatim from GET https://connect.api-au.qbe.com/developer/apis/x-digital-brokers-qbe-anzov1/operations
      and .../operations/{operationId} (HTTP 200). components.schemas come verbatim from GET https://connect.api-au.qbe.com/developer/apis/x-digital-brokers-qbe-anzov1/schemas/{schemaId}
      (HTTP 200). No endpoint, schema or scope was invented.
servers:
- url: https://gateway.api-au.qbe.com/x-digital-brokers-qbe-anzo/api
tags:
- name: Digital Brokers
paths:
  /__health:
    get:
      operationId: get-__health
      summary: /__health - GET
      tags:
      - Digital Brokers
      description: To check the health of the API
      parameters:
      - name: X-TrackingID
        in: header
        description: 'Source system''s tracking ID for troubleshooting / analysis purposes.

          '
        required: true
        schema:
          type: string
      responses:
        '200':
          description: ''
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/__healthGet200ApplicationJsonResponse'
              example:
                app: x-digital-brokers-qbe-anzo
                dateTime: '2020-11-18T01:41:29Z'
        '400':
          description: Bad request. Error occurring due to malformed payload or due to request validation error against business
            rules.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/__healthGet400ApplicationJsonResponse'
              example:
                errors:
                - code: string
                  message: string
                  details: {}
        '401':
          description: Unauthorised Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/__healthGet401ApplicationJsonResponse'
              example:
                errors:
                - code: HTTP_UNAUTHORISED
                  message: The requested resource
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/__healthGet403ApplicationJsonResponse'
              example:
                errors:
                - code: HTTP_FORBIDDEN
                  message: You cannot access this resource.
        '404':
          description: Resource Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/__healthGet404ApplicationJsonResponse'
              example:
                errors:
                - code: string
                  message: string
                  details: {}
        '405':
          description: Method Not Allowed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/__healthGet405ApplicationJsonResponse'
              example:
                errors:
                - code: string
                  message: string
                  details: {}
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/__healthGet500ApplicationJsonResponse'
              example:
                errors:
                - code: string
                  message: string
                  details: {}
  /data-model:
    post:
      operationId: post-data-model
      summary: /data-model - POST
      tags:
      - Digital Brokers
      description: /data-model - POST
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/Generated-11'
            example:
              policy:
                policyHeader:
                  variableCommRate: 0
                  brokerFeeTotal: 0
                  commissionType: VARIABLE
                  subProductCd: string
                  cancelReasonCode: CL
                  policyTransactionInformation:
                    inceptionDate: '2019-01-01'
                    effectiveDate: '2019-09-09'
                    expiryDate: '2019-09-09'
                    product: BPK
                    policyNumber: 145U475933BPK
                    policyStatus: string
                    policyMessageStatus: string
                    deleteReferIfExist: true
                    returnStatusInResponse: true
                    partialDeclineAllowed: true
                    terminateRisksNotPassed: true
                    transactionType: NEW_QUOTE
                  PDSDetails:
                    QMNumber: QM8166
                    versionNo: 0318
                    url: http://mock.qbe.com.au/content/idcplg?IdcService=GET_FILE&dDocName=PRODCT123456&RevisionSelectionMethod=Latest&Rendition=primary
                customerParty:
                  firstName: string
                  lastName: string
                  taxIndicator: I
                  taxPercent: 0
                  orgName: string
                  orgABN: '14069979460'
                  businessName: string
                  tradingName: string
                  businessEntity: string
                  emailNotification: true
                  contact:
                    primaryEmailAddress: example@qbe.com
                    mobilePhoneNumber: string
                    workPhoneNumber: string
                    homePhoneNumber: string
                  location:
                    moniker: 0HOAUGFgXjBwAAAAAIAwEAAAAACe4lEAAgAAAAAAAAAGQAAAAA.....wAAAAAAAAAAADMgZmlndHJlZQA-
                    addressLine1: 2 park street
                    addressLine2: string
                    addressLine3: string
                    city: Sydney
                    stateCode: NSW
                    postalCode: '2000'
                risks:
                - partnerId: TBD
                  riskAttachmentDate: '2019-09-09'
                  riskClassCode: BFP
                  riskEffectiveDate: '2019-09-09'
                  terminationDate: '2019-09-09'
                  terminationReason: TL
                  riskMode: A
                  riskNumber: 1
                  riskReferenceId: '1002'
                  clauses:
                  - clauseWording:
                    - effectiveDate: '2019-09-09'
                      riskClass: AGM
                      premiumClasses:
                      - TBD
                      clauseCode: AGM
                      clauseDescription: sample
                      clauseWordingLines:
                      - wording: TBD
                        varNo:
                        - 0
                      clauseWordingVariable:
                      - title: string
                        type: string
                        length: string
                        indent: string
                        data: string
                  location:
                    addressLine1: 2 park street
                    partnerId: location-a1
                    addressRelationshipType: string
                    situationNumber: string
                    addressLine3: string
                    moniker: 0HOAUGFgXjBwAAAAAIAwEAAAAACe4lEAAgAAAAAAAAAGQAAAAA.....wAAAAAAAAAAADMgZmlndHJlZQA-
                    situationTurnover: 0
                    stateCode: NSW
                    situationLocated: string
                    city: Sydney
                    addressLine2: string
                    postalCode: '2000'
                  interestedParties:
                  - name1: string
                    name2: string
                    address:
                      addressLine1: string
                      addressLine2: string
                      addressLine3: string
                    type: string
                    description: string
                    terminatedDate: string
                  premium:
                    brokerFee: 0
                    brokerFeeGST: 0
                    premiumClass:
                    - classType: BFF
                      FAPPremium:
                        premiumClass: string
                        premium: 11
                        GST: 22
                        FSL: 33
                        brokerFee: 44
                        brokerFeeGST: 44
                        duty: 0
                        totalPremium: 0
                        agentComm: 0
                        agentCommRate: 0
                        agentCommGST: 0
                        adjustmentIndicator: true
                        adjustmentAmount: 0
                        adjustmentPercentage: 0
                      totalPostedToDatePremium:
                        premiumClass: string
                        premium: 11
                        GST: 22
                        FSL: 33
                        brokerFee: 44
                        brokerFeeGST: 44
                        duty: 0
                        totalPremium: 0
                        agentComm: 0
                        agentCommRate: 0
                        agentCommGST: 0
                        adjustmentIndicator: true
                        adjustmentAmount: 0
                        adjustmentPercentage: 0
                      transactionPremium:
                        premiumClass: string
                        premium: 11
                        GST: 22
                        FSL: 33
                        brokerFee: 44
                        brokerFeeGST: 44
                        duty: 0
                        totalPremium: 0
                        agentComm: 0
                        agentCommRate: 0
                        agentCommGST: 0
                        adjustmentIndicator: true
                        adjustmentAmount: 0
                        adjustmentPercentage: 0
                  riskDetail:
                    riskBPKLiability:
                      occupationCode: string
                      occupationDescription: string
                      business: string
                      numberOfEmployees: 0
                      limitOfLiability: 5000000
                      liabilityExcess: 500
                      liabilityExposure: string
                      productsLiability: 0
                      goodsInPhysicalControl: 0
                      tenantsFireLiability: 0
                      annualTurnover: 0
                      propertyOwners: 'Yes'
                      propertyOwnersDesc: string
                      propertyValue: 0
                      paymentToContractors: 0
                      adjustmentIndicator: true
                      adjustmentPercentage: 0
                    riskBPKFireBusinessInterruption:
                      occupationCode: string
                      occupationDescription: string
                      business: string
                      govermentResidential: string
                      fire:
                        construction: string
                        yearBuilt: string
                        sprinkler: string
                        buildingSI: 0
                        buildingExcess: 500
                        contentsSI: 0
                        contentsExcess: 500
                        flood: string
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                      businessInterruption:
                        indemnityPeriod: '3'
                        grossIncomeSI: 0
                        grossIncomeExcess: 500
                        ICOWSI: 0
                        payrollSI: 0
                        weeklyIncomeSI: 0
                        weeksCovered: 0
                        claimsPreparationCosts: 0
                        OSAcctRecSI: 0
                        OSAcctRecExcess: 500
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                    riskBPKGeneralPropertyMachineryBreakdown:
                      occupationCode: string
                      occupationDescription: string
                      business: string
                      generalProperty:
                        generalPropertySumInsured: 0
                        generalPropertyExcess: 500
                        FSLArea: string
                        FSLAreaDesc: string
                        itemList:
                        - itemGroup: string
                          itemGroupDesc: string
                          itemDescription: string
                          serialNumber: string
                          itemSI: 0
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                      machineryBreakdown:
                        machineryBreakDownSI: 0
                        machineryBreakDownExcess: 500
                        refrigerators: 0
                        microwaves: 0
                        airConditioners: 0
                        boilers: 0
                        dishwashers: 0
                        cashRegisters: 0
                        others: 0
                        deteriorationOfStockSI: 0
                        goodsInTransitSI: 0
                        goodsInTransitExcess: 0
                        machinerySpecifiedItemSI: 0
                        machineryBlanketSI: 0
                        machineryBlanketNumberOfItems: 0
                        machineryItems:
                        - machineryCode: string
                          machineryDesc: string
                          machinerySI: 0
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                    riskBPKTheftMoneyGlass:
                      occupationCode: string
                      occupationDescription: string
                      business: string
                      governmentResidential: string
                      theft:
                        contentsSI: 0
                        theftExcess: 500
                        stockSI: 0
                        tobaccoSI: 0
                        liquorSI: 0
                        WOForcibleEntrySI: 0
                        security: string
                        securityDesc: string
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                      money:
                        inTransitSI: 0
                        moneyExcess: 500
                        inResidenceSI: 0
                        busHrsSI: 0
                        afterHrsSI: 0
                        inSafeSI: 0
                        blanketCover: Y
                        blanketCoverDesc: string
                        blanketCoverSI: 2500
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                      glass:
                        numberIlluminatedSigns: 0
                        illuminatedSignsSI: 0
                        glassExcess: 500
                        largestPaneOfGlass: A
                        largestPaneOfGlassDesc: string
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                    riskMSAPrivateMotor:
                      coverDetails:
                        coverCode: string
                        basisOfCover: string
                        thirdPartyLimit: 0
                      driverDetails:
                        nominatedDriver:
                        - nominatedDriverName: string
                          nominatedDriverDOB: string
                          nominatedDriverSex: string
                          nominatedDriverUse: 0
                      vehicleDetails:
                        vehicleMake: string
                        vehicleYear: 0
                        vehicleDescription: string
                        registrationNumber: string
                        engineNumber: string
                        VINChassisNumber: string
                        ownVehicles: string
                        accessoryDetails:
                          accessories:
                          - detailAccessoryCode: string
                            description: string
                            detail: string
                            sumInsured: 0
                        modificationDetails:
                          modifications:
                          - modCode: string
                      underwritingDetails:
                        vehicledModified: string
                        financeType: string
                        postCodeGaragedNight: string
                        parkedMethodNight: string
                        purposeOfUse: string
                        noClaimBonus: '-060'
                        protectedNoClaimBonus: string
                        hireCar: string
                        excesses:
                          basicExcess: 0
                          electedExcess: string
                          imposedExcess: 0
                          ageExcess: string
                          nonNominatedExcess: 0
                        sumInsured:
                          agreedValueSumInsured: 0
                        newCarReplacement: {}
                        gatewayPurposeOfUse: PX
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                      glassDetails:
                        nvic: string
                    riskMVACommercialMotor:
                      vehicleDetails:
                        vehicleDescription: string
                        coverCode: string
                        vehicleClass: string
                        vehicleClassExt: string
                        description: string
                        registered: string
                        regoNo: string
                        engineNo: string
                        modelNo: string
                        yearManufactured: string
                        trailerType: string
                        accessoryDetails:
                          accessories:
                          - detailAccessoryCode: string
                            description: string
                            sumInsured: 0
                        cropTypeCode: string
                        cropTypeDesc: string
                        contractingUse: string
                        cropContractCode: string
                      underwritingDetails:
                        vehicleSumInsured: 0
                        vehicleModified: string
                        riskState: string
                        postcodeGaraged: string
                        financeType: string
                        NCBCode: string
                        driversYearOfBirth: string
                        thirdPartyLiability: 0
                        basicExcess: 0
                        electedExcess: 0
                        imposedExcess: 0
                        ageExcess: string
                        constructionMiningUse: string
                        kilometerRadius: string
                        contentsSumInsured: 0
                        windscreenCover: string
                        gatewayPurposeOfUse: string
                        dangerousGoodsSublimit: string
                        downtimeCover: string
                        downtimeCoverDailyIndemnity: 0
                        downtimeCoverPeriod: 0
                        downtimeCoverDeferment: 0
                        downtimeExpense: 0
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                      glassDetails:
                        nvic: string
                    riskBPKEmployeeDishonestyTaxAuditTransit:
                      occupationCode: string
                      occupationDescription: string
                      business: string
                      fidelity:
                        fidelitySI: 0
                        fidelityExcess: 500
                        employees: 0
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                      taxAudit:
                        taxAuditSI: 5000
                        taxAuditExcess: 500
                        turnover: 0
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                      transit:
                        transitSI: 0
                        transitExcess: 500
                        annualSendings: 0
                        adjustmentIndicator: true
                        adjustmentPercentage: 0
                    riskBPKEmploymentLiability:
                      occupationCode: string
                      occupationDescription: string
                      business: string
                      employmentPracticesLimit: 100000
                      employmentPracticesExcess: 500
                      employmentPracticesEmployees: 0
                      practicesAdjustmentIndicator: true
                      practicesAdjustmentPercentage: 0
                      statutoryLimit: 250000
                      statutoryExcess: 500
                      statutoryTurnover: 0
                      statutoryAdjustmentIndicator: true
                      statutoryAdjustmentPercentage: 0
                      professionalLimit: 0
                      professionalAggregate: 0
                      professionalExcess: 0
                      professionalAdjustmentIndicator: true
                      professionalAdjustmentPercentage: 0
                      retroActiveDate: string
                    riskBPKElectronicEquipment:
                      occupationCode: string
                      occupationDescription: string
                      business: string
                      electronicEquipmentSI: 0
                      electronicEquipmentExcess: 500
                      dataMediaSI: 0
                      dataMediaExcess: 0
                      ICOWSI: 0
                      ICOWExcess: 0
                      ICOWIndemnityPeriod: 0
                      electronicItems:
                      - itemDesc: string
                        itemGroup: string
                        itemGroupDesc: string
                        yearPurchased: string
                        sumInsured: 0
                      adjustmentIndicator: true
                      adjustmentPercentage: 0
                    riskHPKHome:
                      typeOfCover: string
                      workersCompensation: string
                      numberOfEmployees: 0
                      insuredRetired: string
                      insuredDateOfBirth: string
                      occupancyType: string
                      construction: string
                      buildingType: string
                      yearBuilt: 0
                      townWater: string
                      heritageListed: string
                      sizeOfBuilding: 0
                      conditionOfBuilding: string
                      reWired: string
                      rePlumbed: string
                      previousInsurer: string
                      claimsInLast3Years: 0
                      claimsInLast5Years: 0
                      backToBaseAlarm: string
                      localAlarm: string
                      windowBars: string
                      windowLocks: string
                      deadlocks: string
                      highSecurity: string
                      fixedSafe: string
                      securityIntercom: string
                      elevated: string
                      buildingSumInsured: 0
                      buildingBasicXs: 0
                      buildingImposedXs: 0
                      contentsSumInsured: 0
                      contentsBasicXs: 0
                      contentsImposedXs: 0
                      valuablesSumInsured: 0
                      valuablesBasicXs: 0
                      valuablesImposedXs: 0
                      specifiedContentsItems:
                      - description: string
                        sumInsured: 0
                      specifiedValuablesItems:
                      - description: string
                        sumInsured: 0
                      rentDefault: 0
                      maliciousDamage: string
                      liabilitySumInsured: 0
                      buildingOccupancy: string
                      buildingConstruction: string
                      roofType: string
                      numberOfUnits: 0
                      buildingYear: string
                      landSize: string
                      squares: 0
                      condHome: string
                      loyalty: 0
                      ncb: 0
                      threeYearClaims: 0
                      fiveYearClaims: 0
                      floodFlag: string
                      floodExcess: 0
                      floodQuestion01: string
                      floodQuestion02: string
                      floodQuestion03: string
                      floodQuestion04: string
                      floodQuestion05: string
                      floodQuestion06: string
                      floodQuestion07: string
                      floodQuestion08: string
                      floodQuestion09: string
                      floodQuestion10: string
                      adjustmentIndicator: true
                      adjustmentPercentage: 0
                    riskPANPersonalInjuryType:
                      occupation:
                        occupationCode: string
                        occupationDesc: string
                        occupationClass: string
                      individual:
                        insuredPerson: string
                        dateOfBirth: string
                        gender: string
                        height: 0
                        weight: 0
                        smoker: string
                        employeeCategory: string
                        typeOfCover: string
                        postCodeOfRisk: string
                      personal:
                        permanentResident: string
                        workOutsideAus: string
                        newVenture: string
                      earnings:
                        weeklyGrossIncome: 0
                        expensesIncurred: 0
                        expensesFixed: 0
                      cover:
                        capitalBenefits: 0
                        conditions: string
                        injuryWeeklyBenefits: 0
                        injuryBenefitPeriod: 0
                        injuryExclusionPeriod: 0
                        includeIllnessCover: string
                        illnessWeeklyBenefits: 0
                        illnessBenefitPeriod: 0
                        illnessExclusionPeriod: 0
                        ajustmentIndicator: true
                        adjustmentPercentage: 0
                      UWQuestionAnswer:
                        answer: string
                        UWQuestionDetail:
                        - itemDate: string
                          detailLine:
                          - string
                      selectedActivities:
                        activityCode:
                        - string
                questions:
                - questionId: '1'
                  answer:
                    text: 'false'
                  historyDetailsList:
                  - itemDate: string
                    cause: string
                    riskClass: string
                    cost: 0
                    detailLines:
                    - string
                referral:
                  reasons:
                  - string
                policyPremium:
                  stampDutyExemptIndicator: string
                  FAPPremium: 0
                  totalPostedToDatePremium: 0
                  transactionPremium: 0
                  adjustmentIndicator: true
                  adjustmentAmount: 0
                  adjustmentPercentage: 0
      responses:
        '200':
          description: ''
  /auth/policies/{policyId}/abandon:
    post:
      operationId: To-Abandon-a-policy-before-it-has-been-bound
      summary: Abandon a policy before it has been bound
      tags:
      - Digital Brokers
      description: The headers used for tracking transactions end-to-end
      parameters:
      - name: policyId
        in: path
        required: true
        schema:
          type: string
      - name: X-Mock-Scenario
        in: header
        description: "Optionally specify the mock scenario to mimick specific API scenario. \nNote: Scenerio definition need\
          \ to be setup in API Wiremock (Mulesoft mocking service) before you can invoke it using this header.\n"
        schema:
          type: string
      - name: X-TrackingID
        in: header
        description: 'Source system''s tracking ID for troubleshooting / analysis purposes.

          '
        required: true
        schema:
          type: string
      - name: X-ClientSecret
        in: header
        required: true
        schema:
          type: string
      - name: X-Mockable
        in: header
        description: 'The header flag to control the mocking of the api,if required.

          '
        required: true
        schema:
          type: boolean
      - name: X-Partner-Id
        in: header
        required: true
        schema:
          type: string
          enum:
          - AUSTBROKERS
          - MARSH
          - PSC
      - name: X-ClientID
        in: header
        required: true
        schema:
          type: string
      - name: x-abandon-policy-transaction
        in: header
        description: Specifies which preceding policy lifecycle transaction to abandon
        required: true
        schema:
          type: string
          enum:
          - ENDORSEMENT
          - CANCEL
          - RENEWAL
      - name: x-master-ref-id
        in: header
        description: Send the x-master-ref-id value that was send during preceeding transaction for endorse/cancel/renewal
        required: true
        schema:
          type: string
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/Generated-10'
            example: {}
      responses:
        '200':
          description: ''
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthPoliciesPolicyIdAbandonPost200ApplicationJsonResponse'
              example: {}
        '400':
          description: Bad request. Error occurring due to malformed payload or due to request validation error against business
            rules.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthPoliciesPolicyIdAbandonPost400ApplicationJsonResponse'
              example:
                errors:
                - code: string
                  message: string
                  details: {}
        '401':
          description: Unauthorised Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthPoliciesPolicyIdAbandonPost401ApplicationJsonResponse'
              example:
                errors:
                - code: HTTP_UNAUTHORISED
                  message: The requested resource
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthPoliciesPolicyIdAbandonPost403ApplicationJsonResponse'
              example:
                errors:
                - code: HTTP_FORBIDDEN
                  message: You cannot access this resource.
        '404':
          description: Resource Not Found
          content:
            applic

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