# Ripe Insurance

> Ripe Insurance Services Limited (trading as Ripe, part of Ripe Thinking Limited) is a
> Stockport-based UK 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, it sells niche personal and
> small-commercial lines direct to consumers through its own brands — Cycleplan, Golf Care,
> Insure4Boats, Insure4Sport and Ripe Caravans — and reports more than 400,000 policyholders.

> API posture: partner-gated, no public developer surface. There is no developer portal, no
> self-serve API programme, and no published quote, bind, issue or FNOL API. The only
> anonymously reachable machine-readable API on the estate is the Umbraco CMS Content
> Delivery API that ships with the .NET content management system behind the brand websites —
> read-only content and media, infrastructure rather than an insurance product API. Ripe's
> real agent-facing investment is elsewhere: three of its brands publish llms.txt, and its
> April 2026 Cycleplan ChatGPT app delivers real-time cycling quotes conversationally with no
> public API, MCP server or specification behind it.

Generated by the API Evangelist enrichment pipeline on 2026-07-25 from apis.yml and the
artifacts in this repository. www.ripeinsurance.co.uk/llms.txt is published but returns zero
bytes, so this file is generated rather than harvested.

## APIs

- [Ripe Insurance Umbraco Content Delivery API](https://www.ripeinsurance.co.uk/umbraco/swagger/index.html): Read-only Umbraco CMS content and media. Eight GET operations over v2. Anonymous. Base URL https://www.ripeinsurance.co.uk/umbraco/delivery/api/v2. Not an insurance API.
- [Cycleplan Umbraco Content Delivery API](https://www.cycleplan.co.uk/umbraco/swagger/index.html): The same surface on the Cycleplan brand, one CMS version behind — sixteen operations because the legacy v1 paths are still enabled.

## Specifications

- [Umbraco Content Delivery OpenAPI 3.0.4](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/openapi/ripe-insurance-umbraco-content-delivery-openapi.json): Harvested verbatim 2026-07-25 from https://www.ripeinsurance.co.uk/umbraco/swagger/delivery/swagger.json
- [Cycleplan Content Delivery OpenAPI 3.0.1](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/openapi/ripe-insurance-cycleplan-content-delivery-openapi.json): Harvested verbatim 2026-07-25 from https://www.cycleplan.co.uk/umbraco/swagger/delivery/swagger.json
- [OpenID Connect discovery document](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/well-known/ripe-insurance-openid-configuration.json): The Umbraco (OpenIddict) member-authentication server behind the website customer login. Website members only, not developers.

## Artifacts

- [Authentication profile](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/authentication/ripe-insurance-authentication.yml): Anonymous read, optional Api-Key header, member OpenID Connect. No developer credentials exist.
- [OAuth scopes](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/scopes/ripe-insurance-scopes.yml): openid, offline_access. Both are unmodified OIDC standard scopes.
- [API conventions](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/conventions/ripe-insurance-conventions.yml): skip/take paging, fetch/filter/sort expressions, expand and sparse fields, Accept-Language and Start-Item headers. No idempotency contract — every operation is a GET.
- [Error catalog](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/errors/ripe-insurance-problem-types.yml): RFC 7807-shaped ProblemDetails on 400; 401, 403 and 404 declare no body.
- [Lifecycle](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/lifecycle/ripe-insurance-lifecycle.yml): No changelog, no deprecation policy, no SLA, no status page, no roadmap. v1 was withdrawn from the flagship host unannounced.
- [Conformance](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/conformance/ripe-insurance-conformance.yml): OpenAPI 3, OIDC discovery and PKCE yes; RFC 9457, RFC 9116, RFC 8594, ACORD no.
- [Data model](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/data-model/ripe-insurance-data-model.yml): A content model, not an insurance model. No Policy, Quote, Claim or Coverage entity is published anywhere.
- [Domain security](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/security/ripe-insurance-domain-security.yml): TLS 1.3, SPF and DMARC (quarantine) present; no HSTS, no DNSSEC, no CAA.
- [Well-known index](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/well-known/ripe-insurance-well-known.yml): OIDC configuration and JWKS only. No security.txt, no api-catalog, no ai-plugin.json.
- [Agentic access](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/agentic-access/ripe-insurance-agentic-access.yml): All eight operations classified connected/read.
- [Candidate MCP tools](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/mcp/ripe-insurance-mcp.yml): Derived proposal only. Ripe publishes no MCP server.
- [Tool crosswalk](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/mcp/ripe-insurance-tool-crosswalk.yml): Candidate tools bound to real operationIds.
- [Agent skills](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/skills/_index.yml): Operating instructions for reading Ripe brand content correctly.

## Provider llms.txt (harvested verbatim)

- [Cycleplan llms.txt](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/llms/ripe-insurance-cycleplan-llms.txt): From https://www.cycleplan.co.uk/llms.txt, 2026-07-25
- [Golf Care llms.txt](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/llms/ripe-insurance-golfcare-llms.txt): From https://www.golfcare.co.uk/llms.txt, 2026-07-25
- [Insure4Sport llms.txt](https://raw.githubusercontent.com/api-evangelist/ripe-insurance/refs/heads/main/llms/ripe-insurance-insure4sport-llms.txt): From https://www.insure4sport.co.uk/llms.txt, 2026-07-25

## Company

- [Ripe Insurance](https://www.ripeinsurance.co.uk/): Consumer site, quote funnels and product pages
- [Ripe Thinking](https://www.ripethinking.co.uk/): Corporate site for the digital MGA
- [Partner with us](https://www.ripethinking.co.uk/partner-with-us/): A business-development enquiry form. This is the entire integration path — there is no technical onboarding.
- [Technology](https://www.ripethinking.co.uk/technology/): Marketing description of the in-house platform. Names no API, protocol or vendor.
- [News](https://www.ripethinking.co.uk/news/): Corporate announcements, including the Cycleplan ChatGPT app (28 April 2026)
- [Help and support](https://www.ripeinsurance.co.uk/help-and-support/): Consumer support. No developer support channel exists.
- [Customer login](https://www.ripeinsurance.co.uk/login): Redirects to account.ripeinsurance.co.uk
- [Terms of use](https://www.ripeinsurance.co.uk/terms-of-use/)
- [Privacy policy](https://www.ripeinsurance.co.uk/privacy-policy/)

## Brands

- [Cycleplan](https://www.cycleplan.co.uk/): Bike, e-bike, mountain bike, e-scooter and BMX insurance
- [Golf Care](https://www.golfcare.co.uk/): Golf equipment, public liability, hole-in-one and golf travel cover
- [Insure4Sport](https://www.insure4sport.co.uk/): Personal trainer, fitness instructor and player insurance across 400+ sports
- [Insure4Boats](https://www.insure4boats.co.uk/): Boat and watercraft insurance
- [Ripe Caravans](https://www.ripeinsurance.co.uk/caravan-insurance/): Caravan, motorhome, park home and holiday home insurance

## Notes for agents

- There is no public insurance API. Do not attempt to quote, bind, issue or notify a claim programmatically — those journeys exist only in the first-party web funnels and, for cycling cover, the Cycleplan ChatGPT app.
- The Content Delivery API is anonymous but undocumented by Ripe and excluded from crawling (robots.txt "Disallow: /umbraco/"). Treat it as incidental infrastructure, and respect the exclusion.
- The richest machine-readable description of what Ripe actually sells is the brand llms.txt files listed above, not the API.