Commision Transparency

Introduction

Using the Commission Transparency API, the nominal monthly premium (excluding insurance tax) can be retrieved for a given product type. This can then be used to calculate a nominal commission. This service enables fulfillment of the change in law regarding active commission transparency.

You can get started manually via provisieberekenen.nl, this functionality is offered by Adfiz. If you want to call the API yourself you can use the information on the Developer Portal. ANVA only provides the API, there is no further integration with ANVA 4/5 or the Hub.

Conditions of calculation

The technical documentation indicates what data must be supplied. It is recommended that a link be used to retrieve vehicle and residence data.

Authentication

For authentication, the client credential flow of OAuth 2.0 is used (see Authentication). On ANVA Hub, an OpenID client can be created and configured by the administrator. If support is needed when creating and configuring an OpenID client, a ticket can be created here with our Customer Support department. To use the commission transparency service PO Box, we recommend the following:

Assign the role Basic to the OpenID client.
Assign System access to the OpenID client to use the client credential grant.
Refresh the secret regularly to promote security.

Calculating the premium amount

Request

Below is an example of a request used to calculate an AVP premium amount:

1POST /commissiontransparency/v1/calculate HTTP/1.1
2Host: api.anva.{{tld}}
3Content-Type: application/json
4Authorization: Bearer {{jwt}}
5Cache-Control: no-cache
6
7{
8“productType”: “AVP”,
9“geboortedatum”: “19791018”,
10“postcodeCijfers”: “4401”,
11“postcodeLetters”: “AA”,
12“persoonlijkeOmstandigheden” : “GEZIN MET KINDEREN”,
13“eigenRisicoAllemaal”: “0”,
14“verzekerdBedrag” : “2500000”
15}

Response

The request for calculating a premium amount produces a response with the calculated premium amount with the number of premiums included:

1{
2"berekendPremiebedrag":5.49,
3"gebaseerdOpHetAantalPremies":11
4}

If no premium can be calculated based on the input, the value null is assigned to the calculatedPremium amount with the HTTP status 200:

1{
2    "berekendPremiebedrag": null,
3    "gebaseerdOpHetAantalPremies": 0
4}

‍