# Opt Out Offer

## Opt-out Offer

> The Insurance opt-out workflow describes the API call that must be made in the case that XCover insurance is offered but not selected by the customer. The purpose of utilising the opt-out workflow is so Cover Genius can demonstrate conversion rate to the regulators ensuring the product and pricing is fit for purpose. It also enables XCover machine learning platform Brightwrite to deliver the optimal products at the optimal prices.

```json
{"openapi":"3.0.0","info":{"title":"Offers API","version":"1.0.0"},"servers":[{"url":"https://api.xcover.com/x"}],"security":[{"CustomAPISignature":[]}],"components":{"securitySchemes":{"CustomAPISignature":{"type":"apiKey","name":"Authorization","in":"header","description":"**Composite Authentication Scheme (Client Key, Date, and Signature)**\n\nThis scheme requires the client to provide **three** mandatory headers in every request:\n\n### 1. X-Api-Key (Client Key)\n* **Purpose:** Public identifier for the API consumer.\n* **Example:** `X-Api-Key: a1b2c3d4e5f6g7h8`\n\n### 2. Date (Timestamp)\n* **Purpose:** Timestamp used for generating the signature and preventing replay attacks.\n* **Format:** RFC 7231 format (e.g., in GMT).\n* **Example:** `Date: Sun, 09 Nov 2025 04:04:00 GMT`\n\n### 3. Authorization (Computed Signature)\n* **Purpose:** The cryptographic signature that verifies the request's authenticity and integrity.\n* **Format:** `SIGNATURE [authHeader]`\n\n**Signature Generation Logic:**\nThe `authHeader` value is derived from a cryptographic hash (e.g., HMAC-SHA256) of canonical request components (HTTP Method, Path, and the contents of the `Date` header), signed with the private **Client Secret**.\n"}}},"paths":{"/partners/{partner_code}/offers/{offer_id}/opt_out/":{"post":{"summary":"Opt-out Offer","description":"The Insurance opt-out workflow describes the API call that must be made in the case that XCover insurance is offered but not selected by the customer. The purpose of utilising the opt-out workflow is so Cover Genius can demonstrate conversion rate to the regulators ensuring the product and pricing is fit for purpose. It also enables XCover machine learning platform Brightwrite to deliver the optimal products at the optimal prices.","tags":["Opt-out Offer"],"responses":{"204":{"description":"No Content","headers":{"Date":{"schema":{"type":"string"}},"Connection":{"schema":{"type":"string"}},"CF-Ray":{"schema":{"type":"integer"}},"CF-Cache-Status":{"schema":{"type":"string"}},"Allow":{"schema":{"type":"string"}},"Server":{"schema":{"type":"string"}},"Strict-Transport-Security":{"schema":{"type":"string"}},"cross-origin-opener-policy":{"schema":{"type":"string"}},"referrer-policy":{"schema":{"type":"string"}},"Vary":{"schema":{"type":"string"}},"Server-Timing":{"schema":{"type":"string"}},"Cf-Team":{"schema":{"type":"integer"}}}},"403":{"description":"Forbidden","headers":{"Date":{"schema":{"deprecated":false}},"Transfer-Encoding":{"schema":{"deprecated":false}},"Connection":{"schema":{"deprecated":false}},"CF-Ray":{"schema":{"deprecated":false}},"CF-Cache-Status":{"schema":{"deprecated":false}},"Allow":{"schema":{"deprecated":false}},"Server":{"schema":{"deprecated":false}},"Strict-Transport-Security":{"schema":{"deprecated":false}},"cross-origin-opener-policy":{"schema":{"deprecated":false}},"referrer-policy":{"schema":{"deprecated":false}},"Vary":{"schema":{"deprecated":false}},"Content-Encoding":{"schema":{"deprecated":false}},"Server-Timing":{"schema":{"deprecated":false}},"Cf-Team":{"schema":{"deprecated":false}}},"content":{"application/json":{"schema":{"type":"object","properties":{"type":{"type":"string"},"message":{"type":"string"}}}}}},"404":{"description":"Not Found","headers":{"Date":{"schema":{"deprecated":false}},"Transfer-Encoding":{"schema":{"deprecated":false}},"Connection":{"schema":{"deprecated":false}},"CF-Ray":{"schema":{"deprecated":false}},"CF-Cache-Status":{"schema":{"deprecated":false}},"Allow":{"schema":{"deprecated":false}},"Server":{"schema":{"deprecated":false}},"Strict-Transport-Security":{"schema":{"deprecated":false}},"cross-origin-opener-policy":{"schema":{"deprecated":false}},"referrer-policy":{"schema":{"deprecated":false}},"Vary":{"schema":{"deprecated":false}},"Content-Encoding":{"schema":{"deprecated":false}},"Server-Timing":{"schema":{"deprecated":false}},"Cf-Team":{"schema":{"deprecated":false}}},"content":{"application/json":{"schema":{"type":"object","properties":{"type":{"type":"string"},"message":{"type":"string"}}}}}}},"requestBody":{"content":{"application/json":{"schema":{"type":"object"}}}}}}}}
```


---

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