Lovys

Lovys is a European digital neo-insurance provider offering flexible, subscription-based cover for home (habitation), smartphone, and pet insurance, designed to be managed entirely online and adjusted month to month. Beyond its direct-to-consumer product, Lovys operates a Partner API (the "Lovys Partner API") that lets resellers and platforms embed insurance into their own experiences: creating and managing real-time quotes, retrieving plans, pricing and coverage options, capturing and managing customer data, enabling policy purchase and activation, and handling the policy lifecycle, updates, and renewals. The Partner API is fronted by Azure API Management and authenticated with OAuth2 via Microsoft Entra ID / Azure Active Directory B2C. The public developer portal (docs.lovys.com) documents getting-started, onboarding, quoting, purchase, and end-to-end partner guides alongside an API reference covering account, customer, quote, basket, orders, payments, policies, and reference-data resources.

Lovys is listed with 1 API on the APIs.io network. Tagged areas include Company, Insurance, Insurtech, Embedded Insurance, and Partner API.

Lovys’ developer surface includes engineering blog, documentation, API reference, getting-started guide, changelog, support, signup flow, and 6 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

16.8/100 emerging ▬ flat Agent 3/100 human only Front door AI 2/6 trace saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

1 API

Company Insurance Insurtech Embedded Insurance Partner API Home Insurance Pet InsuranceSmartphone InsuranceOAuth Azure API Management Authentication

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 16.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 8.5 / 17

Access Clarity 1.1 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.5 / 9

Regulatory Posture 1.6 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 6.6 — up to +18.7 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/lovys/apis.yml: open an issue on github.com/api-evangelist/lovys to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Veterinary & Pet Care	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Lovys Partner API

Partner/reseller REST API to embed Lovys insurance products — real-time quotes, plans/pricing/coverage, customer data, policy purchase and activation, and policy lifecycle/renew...

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Lovys Authentication

oauth2 · 1 scheme

SECURITY

Lovys Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Support

Support

Company 2

The organization behind the API

Blog

Blog

Website

Website

Source (apis.yml)

aid: lovys
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/lovys.png
name: Lovys
description: 'Lovys is a European digital neo-insurance provider offering flexible, subscription-based cover for home (habitation),
  smartphone, and pet insurance, designed to be managed entirely online and adjusted month to month. Beyond its direct-to-consumer
  product, Lovys operates a Partner API (the "Lovys Partner API") that lets resellers and platforms embed insurance into their
  own experiences: creating and managing real-time quotes, retrieving plans, pricing and coverage options, capturing and managing
  customer data, enabling policy purchase and activation, and handling the policy lifecycle, updates, and renewals. The Partner
  API is fronted by Azure API Management and authenticated with OAuth2 via Microsoft Entra ID / Azure Active Directory B2C.
  The public developer portal (docs.lovys.com) documents getting-started, onboarding, quoting, purchase, and end-to-end partner
  guides alongside an API reference covering account, customer, quote, basket, orders, payments, policies, and reference-data
  resources.'
url: https://raw.githubusercontent.com/api-evangelist/lovys/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Insurance
- Insurtech
- Embedded Insurance
- Partner API
- Home Insurance
- Pet Insurance
- Smartphone Insurance
- OAuth
- Azure API Management
- Authentication
tags_raw:
- Company
- Insurance
- Insurtech
- Embedded Insurance
- Partner API
- Home Insurance
- Pet Insurance
- Smartphone Insurance
- OAuth2
- Azure API Management
- Authentication
apis:
- name: Lovys Partner API
  description: Partner/reseller REST API to embed Lovys insurance products — real-time quotes, plans/pricing/coverage, customer
    data, policy purchase and activation, and policy lifecycle/renewals across home, smartphone, and pet insurance. Fronted
    by Azure API Management with OAuth2 (Microsoft Entra ID / Azure AD B2C) authentication. Public developer portal is an
    early-stage scaffold; no downloadable OpenAPI spec published yet.
  humanURL: https://docs.lovys.com/
  properties:
  - type: APIReference
    url: https://docs.lovys.com/api-reference
  - type: GettingStarted
    url: https://docs.lovys.com/getting-started
  - type: Authentication
    url: authentication/lovys-authentication.yml
  - type: ChangeLog
    url: https://docs.lovys.com/api-changelog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://lovys.com/fr/blog
  type: Blog
- type: Website
  url: https://lovys.com/
- type: DeveloperPortal
  url: https://docs.lovys.com/
- type: Documentation
  url: https://docs.lovys.com/
- type: APIReference
  url: https://docs.lovys.com/api-reference
- type: GettingStarted
  url: https://docs.lovys.com/getting-started
- type: ChangeLog
  url: https://docs.lovys.com/api-changelog
- type: Support
  url: https://docs.lovys.com/support
- type: SignUp
  url: https://docs.lovys.com/signup
- type: Login
  url: https://docs.lovys.com/signin
- type: Authentication
  url: authentication/lovys-authentication.yml
- type: DomainSecurity
  url: security/lovys-domain-security.yml
- type: LLMsTxt
  url: llms/lovys-llms.txt
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 3
  pass: local-v1

Lovys API — frequently asked questions

Does Lovys have an API?

Yes. APIs.io lists 1 API from Lovys, including Lovys Partner API.

How do I authenticate with the Lovys API?

Lovys uses bearer-token authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Lovys Authentication.

Is the Lovys API ready for AI agents?

Lovys has a Kin Score of 16.8 out of 100 (emerging) and an Agent Readiness score of 2.5 (human-only), scored by API Evangelist on 2026-11-06.

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Tools for providers

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get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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