# Lovys

**Canonical:** https://apis.io/providers/lovys/  
**Website:** https://lovys.com/  
**APIs profiled:** 1

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.

## Kin Score — 16.2 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 16.2).

| Facet | Score |
|---|---|
| Discoverability | 66.7 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 47.6 |
| Commercial Clarity | 6.6 |
| Access Clarity | 6.6 |

Regulatory layer — **Insurance**: 18.2 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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 (2)

- **Lovys Authentication** — oauth2 · 1 scheme
- **Lovys Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Insurance, Insurtech, Embedded Insurance, Partner API, Home Insurance, Pet Insurance, Smartphone Insurance, Authentication, Azure API Management

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lovys/). Scores are computed from the provider's own public artifacts under a published rubric.