# Open

**Canonical:** https://apis.io/providers/open-insurance/  
**Website:** https://www.beopen.com/  
**APIs profiled:** 2

Open Insurance Pty Limited (ABN 23 166 949 444, AFSL 451712), trading as Open, is an Australian insurtech and underwriting agency that packages car, home and contents, landlord and travel cover as an embedded product other brands can sell. Open is not a carrier — it holds a binding authority from the insurer, acts as the insurer's agent to issue, vary, renew and cancel policies and to handle claims, and appoints partner brands as authorised representatives. Huddle Insurance is a business name of Open, and partner programs include Bupa and the SuperSaveClub marketplace; the business also operates in the United Kingdom and New Zealand from its Australian home market. Its API posture is real but narrow and partner-gated. Open runs a public, unauthenticated ReadMe developer hub at developers.beopen.com covering the Open.js browser SDK, the Open.Widget embed and a URL-handover redirect, plus exactly one documented server-side REST operation — POST /v1/policy/coc, Retrieve a Certificate of Currency — for which a real OpenAPI 3.0.3 definition is published. Quote is only prepared and polled through the SDK; bind, issue, policy servicing and claims all happen inside Open's hosted (optionally white-labelled) journey rather than over an API, and there is no public FNOL, webhook, GraphQL or Postman surface. API keys and secrets are issued by Open at partner account creation — there is no self-serve signup — and no ACORD, AL3 or NGDS reference appears anywhere on the site or in the documentation.

## Kin Score — 46.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 46.2).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 44.1 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 53.0 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Insurance**: 45.5 (matched via tags).

## Agent readiness — 46.8 (agent-ready)

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

## APIs (2)

- **Open Certificate of Currency API** — The single documented server-side REST operation on the Open Platform. POST /v1/policy/coc retrieves a Certificate of Currency for an existing policy directly from the insurer t...
- **Open.js Embedded Insurance SDK** — Open's browser JavaScript library for embedding insurance into a partner's web app. Documented methods are opensdk.quote.load, opensdk.quote.prepare, opensdk.quote.portal, opens...

## MCP servers (1)

- **Open MCP Server**

## Agentic access (1)

- **Open Insurance Agentic Access** — 1 operation · 1 acting

## Security (2)

- **Open Insurance Authentication** — apiKey/jwt-bearer (deprecated) · 5 schemes
- **Open Insurance Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Insurance, Australia, Insurtech, Embedded Insurance, Property and Casualty, Travel Insurance, Underwriting, Policy Administration, White Label, Quotes

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