aid: open-insurance
url: https://raw.githubusercontent.com/api-evangelist/open-insurance/refs/heads/main/apis.yml
name: Open
kind: company
description: 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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Australia
- Insurtech
- Embedded Insurance
- Property and Casualty
- Travel Insurance
- Underwriting
- Policy Administration
- White Label
- Quote
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.19'
apis:
- aid: open-insurance:open-certificate-of-currency-api
  name: Open Certificate of Currency API
  description: 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 to validate cover, returning JSON or PDF. Credentials
    are an api_key / api_secret pair passed in the request body, issued by Open at
    partner account creation. The published OpenAPI 3.0.3 definition declares the sandbox
    host https://api.sandbox.beopen.com; the production host https://api.beopen.com
    answers the same path (GET returns 405, POST only).
  humanURL: https://developers.beopen.com/reference/coc
  baseURL: https://api.beopen.com
  tags:
  - Insurance
  - Policy
  - Certificate of Currency
  - Australia
  properties:
  - type: OpenAPI
    url: openapi/open-insurance-certificate-of-currency-openapi.json
  - type: Overlay
    url: overlays/open-insurance-certificate-of-currency-overlay.yaml
  - type: APIReference
    url: https://developers.beopen.com/reference/coc
  - type: Documentation
    url: https://developers.beopen.com/docs/welcome
  - type: Documentation
    url: https://developers.beopen.com/docs/keys
  - type: Documentation
    url: https://developers.beopen.com/docs/errors
- aid: open-insurance:open-js-embedded-insurance-sdk
  name: Open.js Embedded Insurance SDK
  description: 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,
    opensdk.quote.status, opensdk.quote.history, opensdk.magiclink and opensdk.manage.portal.
    It creates and pre-fills a quote and polls its status, then hands the customer
    to Open's hosted portal to complete purchase, manage the policy and claim — bind
    and issue are not exposed as API calls. The library defaults to the api.beopen.com
    backend (api.sandbox.beopen.com in sandbox) and portal.beopen.com, and is served
    from https://opensdk.s3-ap-southeast-2.amazonaws.com/opensdk-1.3.0.min.js. Sibling
    integration surfaces documented in the same hub are Open.Widget and a URL handover
    redirect.
  humanURL: https://developers.beopen.com/docs/openjs
  baseURL: https://api.beopen.com
  tags:
  - Insurance
  - Embedded Insurance
  - SDK
  - Quote
  properties:
  - type: APIReference
    url: https://developers.beopen.com/docs/openjs
  - type: Documentation
    url: https://developers.beopen.com/docs/using-openjs
  - type: Documentation
    url: https://developers.beopen.com/docs/prepare-a-quote
  - type: Documentation
    url: https://developers.beopen.com/docs/check-quote-status
  - type: Documentation
    url: https://developers.beopen.com/docs/retrieve-quote-history
  - type: Documentation
    url: https://developers.beopen.com/docs/redirect-to-portal
  - type: Documentation
    url: https://developers.beopen.com/docs/redirect-to-policy-portal
  - type: Documentation
    url: https://developers.beopen.com/docs/request-a-magic-link
  - type: Documentation
    url: https://developers.beopen.com/docs/authenticating-using-jwt
  - type: Documentation
    url: https://developers.beopen.com/docs/embedded-widget
  - type: Documentation
    url: https://developers.beopen.com/docs/url-handover
  - type: Documentation
    url: https://developers.beopen.com/docs/domain-white-labelling
common:
- type: DomainSecurity
  url: security/open-insurance-domain-security.yml
- type: AgenticAccess
  url: agentic-access/open-insurance-agentic-access.yml
- type: Website
  url: https://www.beopen.com/
- type: Documentation
  url: https://developers.beopen.com/docs/welcome
- type: APIReference
  url: https://developers.beopen.com/reference
- type: Authentication
  url: https://developers.beopen.com/docs/keys
- type: ErrorCodes
  url: https://developers.beopen.com/docs/errors
- type: Status
  url: https://developers.beopen.com/docs/check-service-status
- type: LLMsTxt
  url: https://developers.beopen.com/llms.txt
- type: Portal
  url: https://insurance.beopen.com/
- type: Contact
  url: https://www.beopen.com/contact
- type: TermsOfService
  url: https://www.beopen.com/terms/australia
- type: LinkedIn
  url: https://www.linkedin.com/company/beopen
- type: DeveloperPortal
  url: https://developers.beopen.com/docs/welcome
- type: GettingStarted
  url: https://developers.beopen.com/docs/using-openjs
- type: Support
  url: https://www.beopen.com/contact
- type: Blog
  url: https://www.beopen.com/research
- type: PrivacyPolicy
  url: https://www.beopen.com/terms/australia
- type: Login
  url: https://insurance.beopen.com/
- type: StatusPage
  url: https://developers.beopen.com/docs/check-service-status
- type: Compliance
  url: https://www.beopen.com/terms/australia
- type: Authentication
  url: authentication/open-insurance-authentication.yml
- type: Conventions
  url: conventions/open-insurance-conventions.yml
- type: ErrorCatalog
  url: errors/open-insurance-problem-types.yml
- type: DeclineCodes
  url: errors/open-insurance-decline-codes.yml
- type: Lifecycle
  url: lifecycle/open-insurance-lifecycle.yml
- type: Conformance
  url: conformance/open-insurance-conformance.yml
- type: Sandbox
  url: sandbox/open-insurance-sandbox.yml
- type: Components
  url: components/open-insurance-components.yml
- type: DataModel
  url: data-model/open-insurance-data-model.yml
- type: Packages
  url: packages/open-insurance-packages.yml
- type: SDKs
  url: packages/open-insurance-packages.yml
- type: WellKnown
  url: well-known/open-insurance-well-known.yml
- type: MCPServer
  url: mcp/open-insurance-mcp.yml
- type: ToolCrosswalk
  url: mcp/open-insurance-tool-crosswalk.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/open-insurance-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com