1. Simulated Carrier API Credentials & Schema Profiles
Each insurer enforces its own Auth Header, JSON casing, and webhook verificationFast turnaround (2–3.5s). Sharp on Motor & SME. Refers pre-1970 commercial buildings.
Medium turnaround (3.5–5.5s). Very competitive on Commercial Business Pack & Hospitality.
Sunrise Exchange envelope (4.5–7s). Competitive on Home & Liability; strict on Hospitality/Flood.
2. Webhook Registration & Verification Handshake
Insurers require a VERIFIED webhook before accepting quotes. Register via the API or test here.
| Insurer | Webhook ID | Target URL | Signing Secret (HMAC-SHA256) | Status | Actions |
|---|---|---|---|---|---|
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3. Live Quote Requests & Branded PDFs
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4. Outgoing Webhook Delivery Log
Inspect HTTP status codes, HMAC headers & payloads
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5. Underwriting Edge Cases & "Magic Test Values" Cheat Sheet
Use Postcode 2000, 3000, or 4000 with 0–2 claims and sum insured under $5M. All 3 insurers return bindable quotes with state-accurate GST, ESL & Stamp Duty.
Set Commercial ANZSIC to 4511 (Cafe/Restaurant). Allianz & QBE quote it with a kitchen loading, while CGU returns REFERRED!
Set yearBuilt: 1965. QBE & CGU quote it with an age loading, while Allianz returns REFERRED requiring a wiring certificate.
Postcode 4870 (Cairns) adds +38% Cyclone loading & $2,500–$5,000 compulsory excess. Postcode 2780 (Blue Mountains) adds +25% Bushfire loading.
Use magic postcode 2999, OR set prior claims to 3, OR set Commercial Property Sum Insured above $5,000,000.
Use magic embargo postcode 0999, OR an ABN ending in 000, OR 5+ prior claims, OR ANZSIC 2811 (Explosives).
6. NeedCover AR Connection & Premium Funder Email Simulator (@moneymoo.au)
Checking Resend API... Checking Gemini AI...
Resend Inbound Webhook URL: /api/email/inbound
— Replies within ~2.5s (Insurers also send companion Steadfast SCTP emails from sctp@moneymoo.au)
| Provider | Type | Inbound Email (@moneymoo.au) | Persona | Response Behavior Mode | Quick Test |
|---|---|---|---|---|---|
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Incoming Connection Requests & Generated Replies
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