Operating models

Full vertical integration

This concept allows you to sell the Qover products fully integrated into your digital platform. This means that you are in control of the design and appearance of the flow.

Please note that there is a minimal set of legal rules that need to be respected, these include a summary page and an explicit acceptance of the UserTerms.

Sample implementations

  • You already have a website that sells insurance products and want to add Qover products on it
  • You want to build a stand alone website for Qover products
  • You have an internal integrated sales tool at your Point of Sales and want to add Qover products in that flow (Typically seen at retailers with shops across the country)

How does this work?

With your project team, you design the flow to meet your requirements. In this flow, you need to make at given points an integration with the Qover API to validate the business rules, to store the data and to request prices.

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APIs used for this operating model

  • Create Draft
  • Update Draft
  • Get Draft
  • Price Request
  • UserTerms
  • To Contract

Create Draft

The create draft call is a declaration statement. It only requires a limited amount of data points to generate a draft.

The draft posting call will take the information provided in the payload and save it as a Qover draft. The call will return a draft ID that will be required for the other calls.

Update Draft

The draft update call is a modification statement. It will take the information provided in the payload and update the targeted Qover draft. The call will return the full draft description including the modification.

Get Draft

The get draft call is a request statement taking the DraftId as input. It will return the all the values stored in the targeted Qover draft. We recommend to always use this call to display the content of a draft to your users (VS displaying the value you might have stored in your ecosystem)

Price Request

The Price request call is a request statement taking the draftid as input. It will return the pricing that Qover can apply with the given draft details. This is a mandatory step to finalize the draft an upgrade it to a contract

User terms

The User terms request call is a request statement that will return the user terms for the selected draft settings and price selection. Upon completion the API will also return a user terms token that will be used as a terms validation. Make sure that this is reflected in your flow.

To contract

The User terms request call is a posting statement that will create a contract based on the draft’s content. It will also generate the binding literature for your end-client. Make sure that this is reflected in your flow.

Lead Integration

With this operating model, you typically have POS or promotional desks. These desk do not capture any payment. The main focus is to generate leads out of your system to the Qover White label solution. You could also use this to orchestrate a mail campaign via your databases.

In this model you design a data capture sales tool. Once the data is captured, you can show the details of the product to the lead.

You then send a lead email so that the lead can finish the flow at home. Your client will get an email in your colours and wording and the flow on the website will be fully customized to your branding guidelines.

How does this work?

With your project team, you design the flow to meet your requirements. In this flow, you need to make at given points an integration with the Qover API to validate the business rules, to store the data and to request prices. At the end of the flow, you request us to email a Lead or you request only the link.

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Minimal APIs used for this operating model

  • Create Draft
  • Send Lead

Create Draft

The create draft call is a declaration statement. It only requires a limited amount of data points to generate a draft.

The draft posting call will take the information provided in the payload and save it as a Qover draft. The call will return a draft ID that will be required for the other calls.

Send Lead

On a given draft, you can request us to Send a lead Email to your customer. The email will be fully customised to your needs. Alternatively, you can request us the link and send the email yourself!

Get started: working examples for our products