Honey Insurance

Honey Insurance is an Australian direct-to-consumer insurtech selling smart home, contents, renters and landlord insurance, founded by Richard Joffe and headquartered in Sydney. Honey Insurance Pty Ltd (ABN 52 643 672 628, AFSL 528244) distributes and administers the policies, which are underwritten by RACQ Insurance Limited (ABN 50 009 704 152, AFSL 233082), an APRA-authorised general insurer. Its differentiator is a bundle of free smart-home sensors supplied at policy inception in exchange for a recurring premium discount, a three-minute online quote-and-bind funnel, and a heavy prevention rather than indemnity pitch. It sells personal lines only and distributes through its own website plus embedded partnerships with mortgage aggregators, home builders and real-estate groups (Finsure, Metricon, McGrath, BGC, Specialist Finance Group, Bank of Queensland, AGL, RACQ). Its API posture is closed: Honey publishes no public developer portal, no API reference, no OpenAPI or Swagger definition, no Postman collection, no GraphQL surface and no webhook or event catalogue. Probes of developer, developers, docs, /developers, /api, /developer, /partners and /integrations all return NXDOMAIN or HTTP 404, and the sitemap contains no developer, API or partner-portal page at all. A real backend host exists at api.honeyinsurance.com, but it is a private AWS API Gateway that answers every path with HTTP 403 {"message":"Forbidden"}; it serves Honey's own quote funnel and account app and is not documented for third parties. The only publicly reachable standards-based surface is an Auth0 custom-domain tenant at auth.honeyinsurance.com serving anonymous OpenID Connect discovery for consumer account sign-in — not developer API credentials. Quote, bind, issue and FNOL all exist only as consumer web and telephone journeys. No ACORD, AL3, ACORD XML or NGDS reference appears anywhere on the site, which is consistent with an Australian personal-lines carrier operating outside the ACORD agency-download world and with a home market where the Consumer Data Right was designated for general insurance and then deferred, leaving no forcing function for open insurance APIs.

Honey Insurance is profiled on the APIs.io network. Tagged areas include Insurance, Australia, Insurtech, Home Insurance, and Property and Casualty.

Honey Insurance’s developer surface includes engineering blog, support, FAQ, signup flow, authentication, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

27.3/100 emerging ▬ flat Agent 14/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

InsuranceAustraliaInsurtechHome InsuranceProperty and CasualtyPersonal LinesDirect to ConsumerEmbedded InsuranceSmart HomeClaimsUnderwriting

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 27.3/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 3.5 / 20

Commercial Clarity 6.8 / 20

Operational Transparency 0.0 / 13

Governance 1.6 / 12

Discoverability 6.8 / 10

Agent readiness — 14/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/honey-insurance: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Scopes 1

OAuth scopes governing access to this provider's APIs.

Honey Insurance Scopes

14 scopes · authorizationCode/implicit/clientCredentials/deviceCode

14 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

SignUp

SignUp

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Vocabulary

Vocabulary

Conformance

Conformance

Lifecycle

Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

Packages

Packages

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 2

Status, limits, changes, and where to get help

Support

Support

FAQ

FAQ

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 6

The organization behind the API

Website

About

Blog

Newsroom

Careers

Press

Other 2

Properties that don't map to a standard resource type

BrandKit

BrandKit

OpenIDConnect

OpenIDConnect

Source (apis.yml)

aid: honey-insurance
url: https://raw.githubusercontent.com/api-evangelist/honey-insurance/refs/heads/main/apis.yml
name: Honey Insurance
kind: company
description: 'Honey Insurance is an Australian direct-to-consumer insurtech selling smart home, contents, renters and landlord
  insurance, founded by Richard Joffe and headquartered in Sydney. Honey Insurance Pty Ltd (ABN 52 643 672 628, AFSL 528244)
  distributes and administers the policies, which are underwritten by RACQ Insurance Limited (ABN 50 009 704 152, AFSL 233082),
  an APRA-authorised general insurer. Its differentiator is a bundle of free smart-home sensors supplied at policy inception
  in exchange for a recurring premium discount, a three-minute online quote-and-bind funnel, and a heavy prevention rather
  than indemnity pitch. It sells personal lines only and distributes through its own website plus embedded partnerships with
  mortgage aggregators, home builders and real-estate groups (Finsure, Metricon, McGrath, BGC, Specialist Finance Group, Bank
  of Queensland, AGL, RACQ). Its API posture is closed: Honey publishes no public developer portal, no API reference, no OpenAPI
  or Swagger definition, no Postman collection, no GraphQL surface and no webhook or event catalogue. Probes of developer,
  developers, docs, /developers, /api, /developer, /partners and /integrations all return NXDOMAIN or HTTP 404, and the sitemap
  contains no developer, API or partner-portal page at all. A real backend host exists at api.honeyinsurance.com, but it is
  a private AWS API Gateway that answers every path with HTTP 403 {"message":"Forbidden"}; it serves Honey''s own quote funnel
  and account app and is not documented for third parties. The only publicly reachable standards-based surface is an Auth0
  custom-domain tenant at auth.honeyinsurance.com serving anonymous OpenID Connect discovery for consumer account sign-in
  — not developer API credentials. Quote, bind, issue and FNOL all exist only as consumer web and telephone journeys. No ACORD,
  AL3, ACORD XML or NGDS reference appears anywhere on the site, which is consistent with an Australian personal-lines carrier
  operating outside the ACORD agency-download world and with a home market where the Consumer Data Right was designated for
  general insurance and then deferred, leaving no forcing function for open insurance APIs.'
image: https://www.honeyinsurance.com/images/honey-banner.png
tags:
- Insurance
- Australia
- Insurtech
- Home Insurance
- Property and Casualty
- Personal Lines
- Direct to Consumer
- Embedded Insurance
- Smart Home
- Claims
- Underwriting
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis: []
common:
- type: DomainSecurity
  url: security/honey-insurance-domain-security.yml
- type: Website
  url: https://www.honeyinsurance.com/
- type: About
  url: https://www.honeyinsurance.com/about-us/
- type: Blog
  url: https://www.honeyinsurance.com/blog/
- type: Newsroom
  url: https://www.honeyinsurance.com/media-centre/newsroom/
- type: Support
  url: https://www.honeyinsurance.com/honey-help/
- type: FAQ
  url: https://www.honeyinsurance.com/faq/
- type: Vocabulary
  url: https://www.honeyinsurance.com/glossary/
- type: Login
  url: https://www.honeyinsurance.com/my-account
- type: TermsOfService
  url: https://www.honeyinsurance.com/terms/
- type: PrivacyPolicy
  url: https://www.honeyinsurance.com/privacy/
- type: SignUp
  url: https://www.honeyinsurance.com/get-a-quote/start
- type: Careers
  url: https://www.honeyinsurance.com/join-the-team/
- type: BrandKit
  url: https://www.honeyinsurance.com/media-centre/brand-assets/
- type: Press
  url: https://www.honeyinsurance.com/media-centre/
- type: WellKnown
  url: well-known/honey-insurance-well-known.yml
- type: OpenIDConnect
  url: https://auth.honeyinsurance.com/.well-known/openid-configuration
- type: Authentication
  url: authentication/honey-insurance-authentication.yml
- type: OAuthScopes
  url: scopes/honey-insurance-scopes.yml
- type: Conformance
  url: conformance/honey-insurance-conformance.yml
- type: Lifecycle
  url: lifecycle/honey-insurance-lifecycle.yml
- type: Packages
  url: packages/honey-insurance-packages.yml
- type: LLMsTxt
  url: llms/honey-insurance-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com