Ripe Insurance

Ripe Insurance Services Limited, trading as Ripe and part of Ripe Thinking Limited, is a Stockport-based United Kingdom digital Managing General Agent and specialist insurance intermediary authorised and regulated by the Financial Conduct Authority (FRN 313411). Founded in 1997 and majority-backed by Aquiline Capital Partners, Ripe underwrites and distributes niche personal and small-commercial lines direct to consumers through its own brands — Cycleplan, Golf Care, Insure4Boats, Insure4Sport and Ripe Caravans — covering caravans and motorhomes, park homes and holiday homes, photography and music equipment, valuables, shooting, golf, cycling, boats, over 400 sports, personal trainers, hair and beauty businesses, clubs and leisure organisations, and small business. It reports more than 400,000 policyholders. Ripe's API posture is honestly assessed as partner-gated with no public developer surface — there is no developer portal, no self-serve API programme, no published quote, bind, issue or FNOL API, and no ACORD reference anywhere on its estate. Its in-house platform is marketed as flexible and fast to integrate, but partnering is a business-development contact form on ripethinking.co.uk rather than a technical onboarding path. The only anonymously reachable, machine-readable API surface across the Ripe brand estate is the Umbraco CMS Content Delivery API that ships with its .NET content management system — read-only content and media, incidental infrastructure rather than an insurance product API. Its April 2026 Cycleplan ChatGPT app delivers real-time cycling quotes conversationally, but is a first-party consumer channel with no published API, MCP server, or spec.

Ripe Insurance publishes 2 API contracts indexed on the APIs.io network: Content API and Media API. Tagged areas include Insurance, United Kingdom, Insurtech, Managing General Agent, and Specialist Insurance.

The Ripe Insurance catalog on APIs.io includes 1 Spectral governance ruleset.

Ripe Insurance’s developer surface includes authentication, support, product news, engineering blog, and 29 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

41.7/100 developing ▬ flat Agent 42/100 agent native Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

2 published contracts 2 Agent Skills

Insurance United Kingdom Insurtech Managing General AgentSpecialist InsurancePersonal Lines Small Business Insurance Underwriting Direct to Consumer Brokerage

Kin Score

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

Composite quality — 41.7/100 · developing

Contract Quality 8.3 / 21

Developer Ergonomics 6.4 / 17

Access Clarity 9.7 / 17

Operational Transparency 0.3 / 11

Contract Governance 1.9 / 10

Discoverability 6.3 / 9

Regulatory Posture 5.5 / 15

Agent readiness — 42/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 0 / 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 does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.

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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)

4 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 39.2 — up to +15.2 composite points
Operational Transparency scores 2.6 — up to +12.7 composite points
Developer Ergonomics scores 37.5 — up to +12.5 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/ripe-insurance/apis.yml: open an issue on github.com/api-evangelist/ripe-insurance 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 →

Standards implemented 3

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.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

APIs 2

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

Ripe Insurance Content API

The Content API from Ripe Insurance — 8 operation(s) for content.

Ripe Insurance Media API

The Media API from Ripe Insurance — 8 operation(s) for media.

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Umbraco Delivery API

OPEN COLLECTION

Umbraco Delivery API

OPEN COLLECTION

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Read Ripe brand website content

AGENT SKILL

Read Ripe brand media assets

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Ripe Insurance API Rules

35 rules · 33 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 2

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Ripe Insurance Cycleplan Content Delivery Overlay

5 actions · documentation · ripe-insurance-cycleplan-content-delivery-openapi.json

DERIVED

Ripe Insurance Umbraco Content Delivery Overlay

7 actions · documentation · ripe-insurance-umbraco-content-delivery-openapi.json

DERIVED

Security Posture 2

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

Ripe Insurance Authentication

none/apiKey/oauth2/openIdConnect · 3 schemes

SECURITY

Ripe Insurance Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Ripe Insurance Scopes

2 scopes · authorizationCode/clientCredentials/refreshToken

2 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Ripe Insurance Agentic Access

16 operations

16 operations · 0 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

WellKnown

LLMsTxt

AgentSkill

X-MCPServerCandidate

X-MCPServerCandidate

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Conformance

Lifecycle

ErrorCatalog

DataModel

Build 3

SDKs, sample code, and the tooling you integrate with

Packages

Packages

ToolCrosswalk

ToolCrosswalk

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 7

The organization behind the API

Website

CorporateWebsite

Partners

About

News

Blog

LinkedIn

Scroll for all 7

Other 6

Properties that don't map to a standard resource type

Overlay

Overlay

OpenIDConnect

Technology

Claims

OpenIDConnectDiscovery

OpenIDConnectDiscovery

Source (apis.yml)

aid: ripe-insurance
url: https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/apis.yml
name: Ripe Insurance
kind: company
description: Ripe Insurance Services Limited, trading as Ripe and part of Ripe Thinking Limited, is a Stockport-based United
  Kingdom digital Managing General Agent and specialist insurance intermediary authorised and regulated by the Financial Conduct
  Authority (FRN 313411). Founded in 1997 and majority-backed by Aquiline Capital Partners, Ripe underwrites and distributes
  niche personal and small-commercial lines direct to consumers through its own brands — Cycleplan, Golf Care, Insure4Boats,
  Insure4Sport and Ripe Caravans — covering caravans and motorhomes, park homes and holiday homes, photography and music equipment,
  valuables, shooting, golf, cycling, boats, over 400 sports, personal trainers, hair and beauty businesses, clubs and leisure
  organisations, and small business. It reports more than 400,000 policyholders. Ripe's API posture is honestly assessed as
  partner-gated with no public developer surface — there is no developer portal, no self-serve API programme, no published
  quote, bind, issue or FNOL API, and no ACORD reference anywhere on its estate. Its in-house platform is marketed as flexible
  and fast to integrate, but partnering is a business-development contact form on ripethinking.co.uk rather than a technical
  onboarding path. The only anonymously reachable, machine-readable API surface across the Ripe brand estate is the Umbraco
  CMS Content Delivery API that ships with its .NET content management system — read-only content and media, incidental infrastructure
  rather than an insurance product API. Its April 2026 Cycleplan ChatGPT app delivers real-time cycling quotes conversationally,
  but is a first-party consumer channel with no published API, MCP server, or spec.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- United Kingdom
- Insurtech
- Managing General Agent
- Specialist Insurance
- Personal Lines
- Small Business Insurance
- Underwriting
- Direct to Consumer
- Brokerage
tags_raw:
- Insurance
- United Kingdom
- Insurtech
- Managing General Agent
- Specialist Insurance
- Personal Lines
- Small Business Insurance
- Underwriting
- Direct to Consumer
- Broker
- Brokers
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis:
- aid: ripe-insurance:ripe-insurance-content-api
  name: Ripe Insurance Content API
  description: The Content API from Ripe Insurance — 8 operation(s) for content.
  humanURL: https://www.ripeinsurance.co.uk/umbraco/swagger/index.html
  baseURL: https://www.ripeinsurance.co.uk/umbraco/delivery/api/v2
  tags:
  - Content
  properties:
  - type: OpenAPI
    url: openapi/ripe-insurance-content-api-openapi.yml
  - type: APIReference
    url: https://www.ripeinsurance.co.uk/umbraco/swagger/index.html
  - type: Documentation
    url: https://docs.umbraco.com/umbraco-cms/reference/content-delivery-api
  - type: ToolCrosswalk
    url: mcp/ripe-insurance-tool-crosswalk.yml
  - type: DataModel
    url: data-model/ripe-insurance-data-model.yml
  - type: ErrorCatalog
    url: errors/ripe-insurance-problem-types.yml
  - type: APIReference
    url: https://www.cycleplan.co.uk/umbraco/swagger/index.html
  - type: LLMsTxt
    url: llms/ripe-insurance-cycleplan-llms.txt
- aid: ripe-insurance:ripe-insurance-media-api
  name: Ripe Insurance Media API
  description: The Media API from Ripe Insurance — 8 operation(s) for media.
  humanURL: https://www.ripeinsurance.co.uk/umbraco/swagger/index.html
  baseURL: https://www.ripeinsurance.co.uk/umbraco/delivery/api/v2
  tags:
  - Media
  properties:
  - type: OpenAPI
    url: openapi/ripe-insurance-media-api-openapi.yml
  - type: APIReference
    url: https://www.ripeinsurance.co.uk/umbraco/swagger/index.html
  - type: Documentation
    url: https://docs.umbraco.com/umbraco-cms/reference/content-delivery-api
  - type: ToolCrosswalk
    url: mcp/ripe-insurance-tool-crosswalk.yml
  - type: DataModel
    url: data-model/ripe-insurance-data-model.yml
  - type: ErrorCatalog
    url: errors/ripe-insurance-problem-types.yml
  - type: APIReference
    url: https://www.cycleplan.co.uk/umbraco/swagger/index.html
  - type: LLMsTxt
    url: llms/ripe-insurance-cycleplan-llms.txt
common:
- type: Overlay
  url: overlays/ripe-insurance-umbraco-content-delivery-overlay.yaml
- type: Overlay
  url: overlays/ripe-insurance-cycleplan-content-delivery-overlay.yaml
- type: AgenticAccess
  url: agentic-access/ripe-insurance-agentic-access.yml
- type: DomainSecurity
  url: security/ripe-insurance-domain-security.yml
- type: Authentication
  url: authentication/ripe-insurance-authentication.yml
- type: OAuthScopes
  url: scopes/ripe-insurance-scopes.yml
- type: Conventions
  url: conventions/ripe-insurance-conventions.yml
- type: Conformance
  url: conformance/ripe-insurance-conformance.yml
- type: Lifecycle
  url: lifecycle/ripe-insurance-lifecycle.yml
- type: ErrorCatalog
  url: errors/ripe-insurance-problem-types.yml
- type: DataModel
  url: data-model/ripe-insurance-data-model.yml
- type: WellKnown
  url: well-known/ripe-insurance-well-known.yml
- type: Packages
  url: packages/ripe-insurance-packages.yml
- type: LLMsTxt
  url: llms/ripe-insurance-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: X-MCPServerCandidate
  url: mcp/ripe-insurance-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: ToolCrosswalk
  url: mcp/ripe-insurance-tool-crosswalk.yml
- type: OpenIDConnect
  url: well-known/ripe-insurance-openid-configuration.json
- type: Website
  url: https://www.ripeinsurance.co.uk/
- type: CorporateWebsite
  url: https://www.ripethinking.co.uk/
- type: Partners
  url: https://www.ripethinking.co.uk/partner-with-us/
- type: Technology
  url: https://www.ripethinking.co.uk/technology/
- type: About
  url: https://www.ripeinsurance.co.uk/about/
- type: Support
  url: https://www.ripeinsurance.co.uk/help-and-support/
- type: Claims
  url: https://www.ripeinsurance.co.uk/how-to-claim/
- type: TermsOfService
  url: https://www.ripeinsurance.co.uk/terms-of-use/
- type: PrivacyPolicy
  url: https://www.ripeinsurance.co.uk/privacy-policy/
- type: News
  url: https://www.ripethinking.co.uk/news/
- type: Blog
  url: https://www.ripeinsurance.co.uk/motorhome-insurance/blog/
- type: Login
  url: https://www.ripeinsurance.co.uk/login
- type: GitHubOrganization
  url: https://github.com/RipeThinking
- type: LinkedIn
  url: https://uk.linkedin.com/company/ripe-insurance
- type: OpenIDConnectDiscovery
  url: https://www.ripeinsurance.co.uk/.well-known/openid-configuration
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Ripe Insurance API — frequently asked questions

Does Ripe Insurance have an API?

Yes. APIs.io lists 2 APIs from Ripe Insurance, including Ripe Insurance Content API and Ripe Insurance Media API.

Is there an OpenAPI specification for the Ripe Insurance API?

Yes. APIs.io indexes 2 OpenAPI specifications for Ripe Insurance, each linked for download from this page.

How do I authenticate with the Ripe Insurance API?

Ripe Insurance documents its authentication (none/apiKey/oauth2/openIdConnect · 3 schemes). The details are profiled on APIs.io as Ripe Insurance Authentication.

Is the Ripe Insurance API ready for AI agents?

Ripe Insurance has a Kin Score of 41.7 out of 100 (developing) and an Agent Readiness score of 42.4 (agent-native), scored by API Evangelist on 2026-11-06.

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