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Introduction

This guide introduces Yasmina’s Comprehensive Motor Insurance APIs for Multiple Insurance Providers (for the single-provider version, click here). These APIs enable you to retrieve quotes from several insurance companies before issuing a policy to your customer. The guide covers all key operations, including requesting quotes, issuing and managing policies, generating payment links, and handling claims. Our APIs are built on RESTful principles and follow consistent input and output structures, making them simple to integrate, test, and maintain within your systems

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What you will learn

  • Request OTPs
  • Requesting and managing quotes
  • Issuing and managing policies
  • Starting a claim

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Prerequisites

  1. Account in Yasmina - See the Onboarding section for details. You need to add “Comprehensive Motor Insurance (Multiple Providers)” in the products field.
  2. Authenticated Token - You can follow the Authentication guide or head straight to the Generate Token API.
  3. Backend server - Required to securely call Yasmina APIs.

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Quotes

Quotes represent the different premiums, benefits, and deductibles offered by insurance providers. Before issuing a Comprehensive Motor Insurance policy, you need to provide the car details to retrieve quotes from various insurance providers. These quotes are then used when issuing the policy.

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OTP for quotations

Before requesting quotations, we need to verify the Phone number of the customer through an OTP. You can do that using the Quote OTP API You need to provide the following properties for the Quote OTP API:
FieldExample ValueDescription
owner_id2234567890The owner’s national ID. Must be 10 digits and typically starts with 1, 2, or 7.
email[email protected]The owner’s email. Must be unique and belong to the one customer (Do not use the same email for multiple customers).
phone05XXXXXXXXSaudi mobile number. Must start with 05 and be exactly 10 digits.
Example Payload 
POST /api/v1/car-comp/quote-otp HTTP/1.1
Host: sandbox.yasmina.ai
Accept: application/json
Authorization: Bearer token
Content-Type: application/json
Content-Length: 93

{
    "email": "[email protected]",
    "phone": "0512345678",
    "owner_id": "1234567890"
}
The customer should then get an OTP. The API itself will simply return 204 No Content. Afterwards you will be ready to Request Quotations.

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Request Quotes

In order to provide quotes for your customer you need to execute the Request Quotes API. This API provides an array response from different insurance providers. Each item in this array, represents the name of the company, the logo, the different premiums and deductibles, and also the list of benefits (both free and paid).
The Request Quotes API may take longer to respond because it retrieves results from multiple insurance providers. Be sure to increase your timeout to at least 2 minutes before making the request.
You need to provider the following properties for the Request Quotes API:
FieldExample ValueDescription
owner_id2234567890The owner’s national ID. Must be 10 digits and typically starts with 1, 2, or 7.
email[email protected]The owner’s email. Must be unique and belong to the one customer (Do not use the same email for multiple customers).
birthdate1988-04-20Date of birth of the owner in YYYY-MM-DD format. If the owner ID is a Saudi National, then you need to give Hijri date, otherwise you need to give a Gregorian birthdate.
phone05XXXXXXXXSaudi mobile number. Must start with 05 and be exactly 10 digits.
car_sequence_number52423810The car’s sequence number (8–9 digits).
is_ownership_transferfalseBoolean flag. true if the car is being transferred to a new owner, otherwise false.
current_car_owner_id1234567890The current owner’s national ID. Only required if is_ownership_transfer = true.
car_estimated_cost45000Estimated market cost of the car in SAR.
car_model_year2026Year of manufacture of the car. Must be between 1950 and the next year.
Example request 
POST /api/v1/car-comp/quote-requests HTTP/1.1
Accept: application/json
Content-Type: application/json
Authorization: ••••••
Content-Length: 226

{
    "owner_id": 2234567890,
    "email": "[email protected]",
    "phone": "05XXXXXXXX",
    "birthdate": "1982-04-20",
    "car_sequence_number": 52423810,
    "is_ownership_transfer": false,
    "car_estimated_cost": 45000,
    "car_model_year": 2024
}
Once you execute this you will get a response that includes pricing and benefits from multiple insurance providers. This is an example of a response in json 
{
  "owner_id": 1234567890,
  "email": "[email protected]",
  "phone": "0555555555",
  "birthdate": "1990-01-01",
  "car_sequence_number": 1111111111,
  "is_ownership_transfer": true,
  "current_car_owner_id": "7000000000",
  "car_estimated_cost": 45000,
  "car_model_year": 2024,
  "quotes": [
    {
      "type": "Comprehensive",
      "fix_type": "workshop",
      "vehicle_estimated_value": 45000,
      "company_logo": "https://axjqy4nuifd8.compat.objectstorage.me-jeddah-1.oraclecloud.com/Yasmina-Dev-bucket/logos/takaful.png",
      "company_name": "Al Rajhi Takaful",
      "quote_reference_id": "6c7c18a7-ee89-49fe-9f7e-dde72ad809ce",
      "prices": [
        {
          "quote_price_id": "f5d52340-3661-48af-b81a-028f251ef6a9",
          "deductible": 500,
          "subtotal": 5232.12,
          "vat_percentage": 15,
          "vat": 784.82,
          "total": 6016.94
        }, ...
      ],
      "benefits": [
        {
          "quote_benefit_id": "f72846cb-98ed-4b78-b3b5-bb0d587f8da5",
          "id": "1296",
          "name": "Natural Disasters",
          "amount": 0,
          "vat": 0,
          "url": null
        }, ...
      ]
    }
  ],
  "client_id": "9f757acd-1ab4-466f-8cb2-d65ddedb2374",
  "updated_at": "2025-10-06T22:03:56.000000Z",
  "created_at": "2025-10-06T22:03:56.000000Z",
  "id": 25
}

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Explaining the Quotes Request response

The ID value represents Yasmina’s unique identifier for this quote request. You will later need to provide in the Issue policy API as quote_id The Quote reference ID must also be provided to the Issue Policy API as quote_reference_id. Each insurance provider has its own quote_reference_id. Each insurance provider gives a prices array. This represents different pricing options. Each has its own deductible and total. You will need to provide quote_price_id when issuing a policy. Finally we have the benefits array. We have two types. Some require an additional price and are optional (amount > 0), while others are considered free and are automatically added (amount = 0). For those that have a price, you need to provide the quote_benefit_id in the benefits array in the Issue Policy API.

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List Quotes Requests

You can list a paginated list of all the quote requests that your account has generated. In order to do so, you can use the List quote requests API You can filter these by using owner_id in the query string. This may be useful in case your customer navigated from one page to another and you need to show the quote requests again (rather than making a new request) Example: GET /car-api-reference/quotes/list-quotes?page=2&per_page=1&owner_id=1234567890

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Delete Quotes Requests

You can delete some of the requests from the system using the Delete Quotes Requests API. This is rarely used, but may be helpful if you’d like to reduce the items listed.

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Issuing policies

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Issue Policy OTP

When a customer selects a quotation, they need to go through another OTP check. This time you need to request it through the Issue OTP API The Issue Policy OTP requires the following fields:
FieldExample ValueDescription
quote_request_idYasmina’s unique identifier for the quote request. This must match the id returned when creating a quote request.
quote_reference_idThe unique reference ID provided by the insurance company. Required when issuing a policy.
quote_price_idThe selected price option ID. Each quote has multiple prices with different deductibles.
owner_id2234567890The owner’s national ID. Must be 10 digits and typically starts with 1, 2, or 7.
email[email protected]The owner’s email. Must be unique and belong to the one customer (Do not use the same email for multiple customers).
phone05XXXXXXXXSaudi mobile number. Must start with 05 and be exactly 10 digits.
Example request: 
POST /api/v1/car-comp/issue-otp HTTP/1.1
Host: sandbox.yasmina.ai
Accept: application/json
Authorization: Bearer token
Content-Type: application/json
Content-Length: 249

{
    "email": "[email protected]",
    "phone": "0512345678",
    "owner_id": "2234567890",
    "quote_request_id": 62,
    "quote_reference_id": "feb9e0ec-d71c-4c60-99d4-22ad9a5c97ec",
    "quote_price_id": "f0a13788-92c3-f011-972d-005056a9891a"
}
Similar to the request OTP API. The customer will receive another OTP and the API will return 204 - No Content on success. The OTP must be supplied to the Issue Policy API

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Issuing a policy

In order to Issue a policy. You can head to the Issue Policy API You need to use the fields that were retrieved in the Request Quotes API.
FieldDescription
quote_request_idYasmina’s unique identifier for the quote request. This must match the id returned when creating a quote request.
quote_reference_idThe unique reference ID provided by the insurance company. Required when issuing a policy.
quote_price_idThe selected price option ID. Each quote has multiple prices with different deductibles.
benefitsA list of selected benefit IDs. Only required if the benefit has a cost (amount > 0).
extra_dataOptional JSON object to store additional metadata or custom values that can later be used in webhooks. Please keep minimal as it can’t exceed 255 characters
redirect_urlOptional URL that the customer gets redirected to once a successful purchase is made
otpThe OTP that you got from the issue-otp API
Example of a request 
POST /api/v1/car-comp/policies HTTP/1.1
Authorization: Bearer *****
Content-Type: application/json
Accept: application/json
Content-Length: 212

{
  "quote_request_id": 11,
  "quote_reference_id": "04486448-3433-43ef-a755-b07799d6580f",
  "quote_price_id": "e059d28e-a519-43af-b9d4-e1cc5d97ecb7",
  "benefits": [],
  "extra_data": {
      "extra_field": 1
  }
}
Once you make a request to the Issue Policy API, you will get the Policy object with a 201 HTTP response code. Here is an example of the Policy object. 
{
    "id": 700,
    "meta_data": {
        "extra_data": null,
        "new_owner_id": "2528297837",
        "quote_price_id": "f5d52340-3661-48af-b81a-028f251ef6a9",
        "quote_request_id": 25,
        "previous_owner_id": "7001364939",
        "car_sequence_number": 723787810
    },
    "provider_policy_id": null,
    "provider_policy": null,
    "created_at": "2025-10-06T23:31:17.000000Z",
    "status": 0,
    "payment_link": "http://localhost:8000/short/wVln4",
    "price": 6016
}
This is a summary of the fields returned in the policy object
FieldDescription
idYasmina’s unique identifier for the policy.
meta_dataA JSON object that contains information about the fields that were used to generate this policy. extra_data will also be returned here.
provider_policy_idThe policy ID that is returned by the policy provider.
provider_policyA URL that contains the policy in PDF format.
created_atWhen was the policy issued.
status0 = Pending, 1 = Issued.
`payment_linkA secure payment link generated by Yasmina
priceThe price of the policy in Saudi Riyal

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Payment and Policy activation

When you first make a request to the Issue Policy API. The Policy is not yet activated and the status is 0 (which means pending). Also the provider_policy and provider_policy_id will both be null. In order for the policy to be activated, the customer needs to make the purchase from the payment link. Once the customer successfully pays. The policy will be activated and the status becomes 1.
Although the payment page is provided by Yasmina, it does not display the Yasmina logo or have any mention of Yasmina.

Yasmina does not receive credit card information, instead the payment page sends card information directly to the payment vendor.
On Staging and Sandbox, you can use a testing card with the following information:
Card number: 4111 1111 1111 1111
Expiry: 02/27
CVV: 123
Card owner: Yasmina test

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Redirect URL

You can supply the payload a redirect_url. This is used to redirect the customer to any page or deep link you need. You can also include a query string with policyID and it will automatically replace it with the actual id of the policy object. Example for policy id 123 
	{
		...,
		redirect_url: "https://www.example.com?yasmina_policy_id=policyID"
	}
Will become on the response 
	{
		redirect_url: "https://www.example.com?yasmina_policy_id=123"
	}
And the customer that purchased the policy will be redirected to https://www.example.com?yasmina_policy_id=123

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Showing a policy

In order to get a status of a policy, you can use the Show Policy API. This API, takes a Yasmina Policy id and will return the policy object This API is ideal when you want to re-fetch a specific policy after the PDF gets generated. Example of a request 
GET /api/v1/car-comp/policies/123 HTTP/1.1
Host: portal.yasmina.ai
Authorization: Bearer <token>
Content-Type: application/json
Accept: application/json
Example a response 
{
    "id": 659,
    "meta_data": {
        "extra_data": {
        },
        "new_owner_id": "2467701575",
        "quote_price_id": "097116f9-99b1-491f-a2ab-f86b2c535cbe",
        "quote_request_id": 4,
        "previous_owner_id": "2467701575",
        "car_sequence_number": 52423810
    },
    "product_id": 4,
    "provider_policy_id": "53018c24-b246-4bef-866f-4a54c2367196",
    "provider_policy": "policy.pdf",
    "created_at": "2025-09-07T07:53:55.000000Z",
    "status": 1,
    "payment_link": null,
    "price": null
}

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Listing policies

You can also use the List Policies API to get a list of all policies that were generated from our system. You might use this on your admin interface, or if you just want to check what has been generated.