Purchase

What it does: Confirms and pays for a previously quote.

When to call it: After the customer accepts the product offer and provides payment details. A Quote must exist first. Pass its Reference as AgentReference.

Currency note

The Currency parameter is ignored in Purchase. Currency is set at quote time and cannot be changed.

POST /insurances/purchase

Optional variant (use when AgentReference uses your own reference format):

POST /insurances/purchase/<reference>

Payment options

Use exactly one payment method per request:

Method	How to use
Card payment (default)	Pass CardHolder, CardNumber, CardExpiry, and CardSecurityCode.
XPay tokenisation	Pass XPayCustomerToken instead of card fields.
Partner collecting payment	Set PartnerCollectingPayment to true. No card fields required.
Auto-rebill	Set AutoRebill to true for returning customers whose card is on file. No card fields required.

Example request

POST

curl -i -X POST \
  -H "X_API_KEY: your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "AgentReference": "AB12-345C-INS",
    "PolicyCode": "RC001",
    "FromDate": "2025-08-01 00:00:00",
    "ToDate": "2025-08-08 00:00:00",
    "CustomerAge": 32,
    "DestinationCountry": "IE",
    "Country": "US",
    "FirstName": "Jane",
    "LastName": "Smith",
    "Email": "[email protected]",
    "Address1": "123 Main St",
    "City": "New York",
    "PostalCode": "10001",
    "CardHolder": "JANE SMITH",
    "CardNumber": "4242424242424242",
    "CardExpiry": "0828",
    "CardSecurityCode": "123"
  }' \
  https://api-staging.rentalcover.com/insurances/purchase

Response

{
   "BookingId":"12345",
   "Reference":"AB12-345C-INS",
   "Status":"PendingConfirm",
   "FromDate":"2015-03-19 00:00:00",
   "ToDate":"2015-03-22 00:00:00",
   "TotalAmount":60,
   "InsuranceCoverAmount":3000,
   "SupplierReference":null,
   "Expired":false,
   "CoveredDays":4,
   "Discount":0,
   "DestinationCountry":"Australia",
   "DestinationCountryObject":{
      "Code":"AU",
      "Name":"Australia",
      "PhoneCode":"+61"
   },
   "Currency":"AUD",
   "TotalAmountFormatted":"AU$60.00",
   "InsuranceCoverAmountFormatted":"AU$3,000.00",
   "DiscountFormatted":"AU$0.00",
   "DailyAmountFormatted":"AU$15.00",
   "Disclaimer":"By clicking the button above you accept website <a href=\"https:\/\/www.rentalcover.com\/terms\" target=\"_blank\">terms<\/a> & the policy provided by RentalCover.com. \r\n\tYou agree that these documents have been provided to you via the links and understand that you may print copies of them. You have noted the exclusions and limitations, which include passengers with existing medical conditions. You are authorised to buy travel insurance on behalf of all passengers in this booking, and all passengers meet the eligibility criteria. \r\n",
   "Policy":{
      "GapCoverAmount":"3500.00",
      "Name":"Zero Excess Rental Cover",
      "Type":"RoadsideAssistance",
      "Code":"RC001",
      "Excess":"0.00",
      "Inclusions":"<li>Rental vehicle excess cover: $AU$3,000.00 plus $3500 Free Gap Cover. Gap cover is sold free of charge with all RentalCover.com policies. You do not need to take the optional excess reduction at the depot as $AU$3,000.00 + $3500 is sufficient to cover your standard liability).<\/li><br\/><li>Important: While the rental company will charge your credit card for the damages (up to the standard liability) you would then make a claim to RentalCover.com.<\/li><br\/>As with all other RentalCover.com policies, this policy includes the following which are typically excluded by the rental companies:<br\/><li>Windscreen, tyre, roof &amp; underbody repairs.<\/li><br\/><li>Single vehicle accidents.<\/li><br\/><li>Hitting an animal.<\/li><br\/><li>Accidents after dusk.<\/li><br\/><li>Weather-related and water damage.<\/li><br\/><li>Key loss\/replacement.<\/li><br\/><li>Additional drivers that are nominated on the rental agreement<\/li><br\/><li>Demurrage (the supplier&#039;s lost rental while a vehicle is off the road for repairs).<\/li><br\/><li>Maximum claim: $3500.<\/li><br\/><li>Claim Fee: $0<\/li><br\/><li>Cost: Free with any RentalCover.com purchase!<\/li><br\/>Exclusions:<br\/>This cover does not cover the following events:<br\/><li>Does not cover damages sustained while driving on unsealed roads.<\/li><br\/><li>Does not cover damage caused where the terms of Rental Contract have been breached.<\/li><br\/><li>Does not cover damage caused by an event that leads to a police investigation.<\/li><br\/><li>Does not cover damage caused to the Vehicle in any way by part or total water submersion or salt water. * Damage caused to the Vehicle by the renter\u2019s wilful or negligent conduct or contravention of any legislation or regulation controlling vehicular traffic<\/li><br\/><li>Does not cover damage caused due to use of incorrect or contaminated fuel.<\/li><br\/>Where required, RentalCover.com will utilise the resources of the claims team that handled the original claim application (i.e. the primary RentalCover.com policy issuer) and will exercise their discretion.",
      "Description":"This policy covers payments that you make for damages\/repairs to any rental vehicle anywhere in Australia. There is nil excess payable on a claim (whereas the rental companies charge $330-$1000 if you take their &quot;reduced&quot; excess). You do not need the supplier&#039;s excess reduction (collision damage waiver), instead you pay the supplier for repairs and claim that &quot;excess cost&quot; from RentalCover.com. Covers all drivers on the rental agreement aged 19 to 75, for travel anywhere in Australia on the dates shown. Note that there may be a refundable bond charged to your credit card when you do not take the supplier&#039;s excess reduction (card fees may apply).",
      "SellingPoints":"<li>No exclusions!<\/li><br\/><li>Includes $3500 Free Gap Cover, free with any RentalCover.com purchase.<\/li><br\/><li>Includes single vehicle accidents<\/li><br\/><li>Includes windscreens &amp; tyre damage<\/li><br\/><li>Covers you if you hit an animal or if you are driving at night.<\/li>",
      "RoadsideAssistanceBlob":"NMC Freecall Hotline is 855-613-8252 or [phone]. Emergencies On The Road: If your car requires towing due to one of these, follow the 5 steps below: key loss, a mechanical fault, smashed windscreen/headlights or an accident... <li>Call the rental company and let them know that you have your own roadside assistance provider that includes towing. They will advise the towing dropoff point, then;</li> <li>Call NMC (see above). You will need your RentalCover.com reference number (AB12-345C-INS).</li> <li>NMC will send a tow truck &amp; you will pay NMC whilst on the call.</li> <li>You will meet the tow truck &amp; go to the delivery point with them.</li> <li>Claim all the costs that you incurred via <a href='http://www.rentalcover.com/claims'>rentalcover.com/claims</a>. Our goal is to reimburse you within 7 days.</li> Otherwise, if you have locked your keys in the car or have a flat tyre, empty fuel tank or dead battery... ? You do not need to call the rental company. Just call NMC who will arrange a vehicle to perform repairs. You will pay NMC and any related costs would be claimed via <a href='http://www.rentalcover.com'>rentalcover.com/claims</a>.",
      "GapCoverAmountFormatted":"AU$3,500.00",
      "ExcessFormatted":"AU$0.00",
      "PdsUrl":false,
      "SupplierName":"RentalCover.com",
      "ModifyUrl":"http:\/\/www.rentalcover.com\/modify\/AB12-345C-INS",
      "CancelUrl":"http:\/\/www.rentalcover.com\/cancel\/AB12-345C-INS"
   },
   "Customer":{
      "FirstName":"Jack",
      "LastName":"Smith",
      "Email":"[email protected]",
      "Age":21,
      "Country":"AU"
   }
}{
   "BookingId":"12345",
   "Reference":"AB12-345C-INS",
   "Status":"PendingConfirm",
   "FromDate":"2015-03-19 00:00:00",
   "ToDate":"2015-03-22 00:00:00",
   "TotalAmount":60,
   "InsuranceCoverAmount":3000,
   "SupplierReference":null,
   "Expired":false,
   "CoveredDays":4,
   "Discount":0,
   "DestinationCountry":"Australia",
   "DestinationCountryObject":{
      "Code":"AU",
      "Name":"Australia",
      "PhoneCode":"+61"
   },
   "Currency":"AUD",
   "TotalAmountFormatted":"AU$60.00",
   "InsuranceCoverAmountFormatted":"AU$3,000.00",
   "DiscountFormatted":"AU$0.00",
   "DailyAmountFormatted":"AU$15.00",
   "Disclaimer":"By clicking the button above you accept website <a href=\"https:\/\/www.rentalcover.com\/terms\" target=\"_blank\">terms<\/a> & the policy provided by RentalCover.com. \r\n\tYou agree that these documents have been provided to you via the links and understand that you may print copies of them. You have noted the exclusions and limitations, which include passengers with existing medical conditions. You are authorised to buy travel insurance on behalf of all passengers in this booking, and all passengers meet the eligibility criteria. \r\n",
   "Policy":{
      "GapCoverAmount":"3500.00",
      "Name":"Zero Excess Rental Cover",
      "Type":"RoadsideAssistance",
      "Code":"RC001",
      "Excess":"0.00",
      "Inclusions":"<li>Rental vehicle excess cover: $AU$3,000.00 plus $3500 Free Gap Cover. Gap cover is sold free of charge with all RentalCover.com policies. You do not need to take the optional excess reduction at the depot as $AU$3,000.00 + $3500 is sufficient to cover your standard liability).<\/li><br\/><li>Important: While the rental company will charge your credit card for the damages (up to the standard liability) you would then make a claim to RentalCover.com.<\/li><br\/>As with all other RentalCover.com policies, this policy includes the following which are typically excluded by the rental companies:<br\/><li>Windscreen, tyre, roof &amp; underbody repairs.<\/li><br\/><li>Single vehicle accidents.<\/li><br\/><li>Hitting an animal.<\/li><br\/><li>Accidents after dusk.<\/li><br\/><li>Weather-related and water damage.<\/li><br\/><li>Key loss\/replacement.<\/li><br\/><li>Additional drivers that are nominated on the rental agreement<\/li><br\/><li>Demurrage (the supplier&#039;s lost rental while a vehicle is off the road for repairs).<\/li><br\/><li>Maximum claim: $3500.<\/li><br\/><li>Claim Fee: $0<\/li><br\/><li>Cost: Free with any RentalCover.com purchase!<\/li><br\/>Exclusions:<br\/>This cover does not cover the following events:<br\/><li>Does not cover damages sustained while driving on unsealed roads.<\/li><br\/><li>Does not cover damage caused where the terms of Rental Contract have been breached.<\/li><br\/><li>Does not cover damage caused by an event that leads to a police investigation.<\/li><br\/><li>Does not cover damage caused to the Vehicle in any way by part or total water submersion or salt water. * Damage caused to the Vehicle by the renter\u2019s wilful or negligent conduct or contravention of any legislation or regulation controlling vehicular traffic<\/li><br\/><li>Does not cover damage caused due to use of incorrect or contaminated fuel.<\/li><br\/>Where required, RentalCover.com will utilise the resources of the claims team that handled the original claim application (i.e. the primary RentalCover.com policy issuer) and will exercise their discretion.",
      "Description":"This policy covers payments that you make for damages\/repairs to any rental vehicle anywhere in Australia. There is nil excess payable on a claim (whereas the rental companies charge $330-$1000 if you take their &quot;reduced&quot; excess). You do not need the supplier&#039;s excess reduction (collision damage waiver), instead you pay the supplier for repairs and claim that &quot;excess cost&quot; from RentalCover.com. Covers all drivers on the rental agreement aged 19 to 75, for travel anywhere in Australia on the dates shown. Note that there may be a refundable bond charged to your credit card when you do not take the supplier&#039;s excess reduction (card fees may apply).",
      "SellingPoints":"<li>No exclusions!<\/li><br\/><li>Includes $3500 Free Gap Cover, free with any RentalCover.com purchase.<\/li><br\/><li>Includes single vehicle accidents<\/li><br\/><li>Includes windscreens &amp; tyre damage<\/li><br\/><li>Covers you if you hit an animal or if you are driving at night.<\/li>",
      "RoadsideAssistanceBlob":"NMC Freecall Hotline is 855-613-8252 or [phone]. Emergencies On The Road: If your car requires towing due to one of these, follow the 5 steps below: key loss, a mechanical fault, smashed windscreen/headlights or an accident... <li>Call the rental company and let them know that you have your own roadside assistance provider that includes towing. They will advise the towing dropoff point, then;</li> <li>Call NMC (see above). You will need your RentalCover.com reference number (AB12-345C-INS).</li> <li>NMC will send a tow truck &amp; you will pay NMC whilst on the call.</li> <li>You will meet the tow truck &amp; go to the delivery point with them.</li> <li>Claim all the costs that you incurred via <a href='http://www.rentalcover.com/claims'>rentalcover.com/claims</a>. Our goal is to reimburse you within 7 days.</li> Otherwise, if you have locked your keys in the car or have a flat tyre, empty fuel tank or dead battery... ? You do not need to call the rental company. Just call NMC who will arrange a vehicle to perform repairs. You will pay NMC and any related costs would be claimed via <a href='http://www.rentalcover.com'>rentalcover.com/claims</a>.",
      "GapCoverAmountFormatted":"AU$3,500.00",
      "ExcessFormatted":"AU$0.00",
      "PdsUrl":false,
      "SupplierName":"RentalCover.com",
      "ModifyUrl":"http:\/\/www.rentalcover.com\/modify\/AB12-345C-INS",
      "CancelUrl":"http:\/\/www.rentalcover.com\/cancel\/AB12-345C-INS"
   },
   "Customer":{
      "FirstName":"Jack",
      "LastName":"Smith",
      "Email":"[email protected]",
      "Age":21,
      "Country":"AU"
   }
}

Request parameters

Booking identifiers

Required. Unique to Purchase.

Parameter	Type	Description
AgentReference	string	The Reference from the Quote response. Identifies which booking to purchase.
PolicyCode	string	The Policy.Code from the Quote response. Identifies the protection product to confirm.

Payment

Required. Use one method only.

Parameter	Type	Description
CardHolder	string	Cardholder name. Required for card payment.
CardNumber	string	Credit card number (digits only). Required for card payment.
CardExpiry	string(4)	Card expiry in mmyy format. Example: 0826. Required for card payment.
CardSecurityCode	string	Card CVV/CVC. Required for card payment.
XPayCustomerToken	string	XPay token from the XPay tokenisation workflow. Use instead of card fields.
AutoRebill	boolean	true to charge a returning customer's card on file. No card fields required.
PartnerCollectingPayment	boolean	true when your platform collects payment. No card fields required.

Customer & booking fields

Definitions shared with Group A and Group B. Required fields must be re-passed even if provided at Quote time.

Parameter	Required?	Notes
FromDate	Required
ToDate	Required
DestinationCountry	Required
FirstName	Required
LastName	Required
Email	Required	Cannot be changed here — use UpdateCustomer after purchase.
Country	Required
Address1	Required	If unknown, use a placeholder such as c/- Your Company Name.
City	Required	If unknown, use a placeholder.
PostalCode	Required	If unknown, use a placeholder.
Address2	Optional
Region	Optional
Phone	Optional	Mobile preferred. Format: [phone].
OtherEmail	Optional
LanguageCode	Optional	Default: en.
CoverAmount	Optional
PolicyPrice	Optional
PartnerReference	Optional	Your internal booking reference for customer service.
Discount	Optional	Discount to apply, if available.
PartnerCardFees	Optional	Partner credit card fee.

Response

Returns a Booking Response with the following differences.

Fields that change after purchase

Field	Type	Description
Status	string	Typically PendingConfirm immediately after purchase. See Booking Statuses.
SupplierReference	string	Insurer's policy number, issued upon confirmation.
TotalAmountOutstanding	float	Amount still outstanding. Usually equals TotalAmount; may differ after a modification.
TotalAmountOutstandingFormatted	string	Formatted outstanding amount.
TotalAmountRefunded	float	Amount refunded after a modification that reduced the price.
TotalAmountRefundedFormatted	string	Formatted refunded amount.

Nested object differences

Field	Object type	Difference from Quote
Policy	Policy object	Additionally, includes RoadsideAssistanceBlob - roadside assistance instructions for CRM systems and email templates. See Policy object.
Commission	Commission object	Unchanged. See Commission object.

SettlementCurrencyObject is not returned by Purchase.