Version: Next

Car Insurance

Documentation of the API for car insurance integration with the Consumer Council's insurance service.

Request from the Consumer Council

When the Consumer Council sends a request to the insurance company, it will be in JSON format. This request contains information about the person to be insured, as well as details about the specific offer being requested. The request will be sent to the company's specified endpoint.

The information about the person to be insured is built based on data from the National Registry, the Norwegian Public Roads Administration, and OFV.

In the header, we send X-RequestId, which is unique, and X-ClientId, which will be finansportalen.

Missing match between Finansportalen Insurance and the companies' value limits

Where amount limits and values in the Financial Portal’s insurance calculator must be selected as options in the user interface, and the insurance company does not operate with the same limits in its pricing tariffs, the insurance company shall nevertheless return a price. The price shall be returned as the closest value in the customer’s favor, for example the nearest price at the next higher mileage.

If the company is not able to offer a value in favor of the consumer, for example because the requested value is at the end of the scale, it is acceptable to provide the nearest available value.

Example request

{
    "id": "xtNczK2rUAh5lfz-i26iO",
    "person": {
        "pid": "10816797409",
        "firstName": "FORETAKSOM",
        "lastName": "KONGE",
        "addresses": [
            {
                "source": "folkeregisteret",
                "streetName": "Munkerekkveien 110",
                "postalCode": "3142",
                "postalLocation": "VESTSKOGEN"
            }
        ],
        "memberships": [
            {
                "membershipId": "821395476",
                "membershipName": "Norske Arkitekters Landsforbund"
            }
        ]
    },
    "offerRequest": [
        {
            "id": "iKiLHD0opex6UcUqxyL3j",
            "type": "bil",
            "data": {
                "coverage": "kasko",
                "addons": [
                    "leiebil",
                    "maskinskade"
                ],
                "bonus": "75%",
                "yearlyMileage": 12000,
                "youngestDriver": 25,
                "loan": false,
                "currentMileage": 50000,
                "currentAccidents": 1,
                "lastAccidentDate": "2023-02-05",
                "deductible": 6000,
                "carOwner": {
                    "ownerType": "otherOwner",
                    "leasingCompanyOrg": null,
                    "otherOwner": {
                        "pid": "09916795316",
                        "firstName": "FJÅNG",
                        "lastName": "REGEL"
                    }
                },
                "car": {
                    "source": "ofv",
                    "registrationDate": "2022-01-01",
                    "variantId": 385869,
                    "modelYear": 2022,
                    "brandName": "Audi",
                    "brandCode": 1230,
                    "modelName": "A4",
                    "modelCode": 9,
                    "variantName": "Avant Advanced 35 TFSi 150hk",
                    "variantCode": 21193,
                    "vehicleGroup": "Personbil",
                    "structureNo": "1230009211932022026",
                    "modelGeneration": "5B",
                    "modelSplitName": null,
                    "segment": "Mellomklassen",
                    "chassisShortName": "STV",
                    "chassis": "Stasjonsvogn",
                    "transmissionShortName": "AUT",
                    "transmission": "Automat",
                    "energySourceShortName": "BE",
                    "energySource": "Bensin Hybrid",
                    "totalEngines": 2,
                    "emissionStandard": "Euro 6",
                    "importPrice": 495100,
                    "currencyCode": "NOK",
                    "approved": "2022-01-07T16:56:42+01:00",
                    "transferred": "2022-12-12"
                }
            }
        }
    ],
    "requestAt": "2026-03-25T08:50:50+01:00"
}

Request field descriptions

Root-level fields

Field	Type	Description	Values
`id`	string	The unique ID for the request, generated by the Consumer Council.	21 characters, uniquely generated. Example: `"xtNczK2rUAh5lfz-i26iO"`
`requestAt`	string	Time when the request was sent.	ISO 8601 (complete). Example: `"2026-03-25T08:50:50+01:00"`

Person object

Field	Type	Description	Values
`pid`	string	The national identity number of the person to be insured.	11-digit number as a string. Example: `"10816797409"`
`firstName`	string	First name of the person to be insured.	Example: `"FORETAKSOM"`
`lastName`	string	Last name of the person to be insured.	Example: `"KONGE"`
`addresses`	array of address objects	Address information for the person to be insured.	Never contains more than 1 element for car insurance. See Address object
`memberships`	array of membership objects	Information about memberships for the person to be insured. Can be an empty list.	See Membership object

Address object

Field	Type	Description	Values
`source`	string	Source of the address.	`"folkeregisteret"`
`streetName`	string	Street name.	Example: `"Munkerekkveien 110"`
`postalCode`	string	Postal code.	4-digit number as a string.
`postalLocation`	string	Postal place.	Uppercase letters. Example: `"VESTSKOGEN"`

Membership object

Field	Type	Description	Values
`membershipId`	string	Organization number of the membership provider.	9 digits as a string. Example: `"821395476"`
`membershipName`	string	Name of the organization providing the membership.	Example: `"Norske Arkitekters Landsforbund"`

Offer request object

Field	Type	Description	Values
`id`	string	The unique ID for the offer request on this product.	21 characters, uniquely generated. Example: `"iKiLHD0opex6UcUqxyL3j"`
`type`	string	Product type.	`"bil"`
`data`	object	Data for the offer.	See Offer data object

Offer data object

Field	Type	Description	Values
`coverage`	string	Insurance coverage.	`"ansvar"` `"delkasko"` `"kasko"` `"utvidet"`
`addons`	array of strings	Additional coverages for the insurance. Can contain multiple values. Is an empty array when no additional coverage is selected.	Possible elements in array: `"leiebil"` `"maskinskade"`
`bonus`	string	Insurance bonus.	`"75% > 5 år"` `"75% > 4 år"` `"75% > 3 år"` `"75% > 2 år"` `"75%"` `"70% > 5 år"` `"70% > 4 år"` `"70% > 3 år"` `"70% > 2 år"` `"70%"` `"60%"` `"50%"` `"40%"` `"30%"` `"20%"` `"10%"` `"0%"` `"startbonus"` `"-10%"` `"-20%"` `"-30%"` `"-40%"`
`yearlyMileage`	integer	Requested annual mileage in number of km.	From `5000` to `50000`, or `0` for unlimited mileage.
`youngestDriver`	integer	Age of the youngest driver in years.	From `18` to `25`. When the youngest driver is older than 25, we still send `25` here.
`loan`	boolean	Whether there is a loan on the car.	`true` `false`
`currentMileage`	integer	Current odometer value.	From `0` to `999999`.
`currentAccidents`	integer	Number of accidents during the last three years.	From `0` to `4`. If there are more than 4 accidents, we still send `4` here.
`lastAccidentDate`	string, nullable	Date of the last accident within the last five years.	`"yyyy-mm-dd"` Example: `"2024-10-16"`
`deductible`	integer	Requested deductible in NOK. Applies only for comprehensive or extended coverage.	`0` when `coverage` is `"ansvar"` or `"delkasko"`. For higher coverage levels, value is from `4000` to `35000`.

Car owner object

Field	Type	Description	Values
`ownerType`	string	Owner type.	`"sameAsPerson"` `"otherOwner"` `"leasing"`
`leasingCompanyOrg`	string, nullable	Organization number for leasing company.	Example: `"123456789"`
`otherOwner`	object, nullable	Information about another owner.	See Other owner object

Other owner object

This object is only included in the request when ownerType = "otherOwner".

Field	Type	Description	Values
`pid`	string	National identity number of another owner.	Example: `"09916795316"`
`firstName`	string	First name of another owner.	Example: `"ALICE"`
`lastName`	string	Last name of another owner.	Example: `"WONDERLAND"`

Car object

Information about the car to be insured. All fields except source, regNumber, and registrationDate come directly from OFV Kjøretøydata.

Data with source "ofv" is not available for vehicles fetched from "tenor" in the test environment.

Field	Type	Description	Values
`source`	string	Source of car data.	`"ofv"` `"tenor"` (test environment only)
`regNumber`	string, nullable	Registration number of the car.	Example: `"AB12345"`
`registrationDate`	date	Date of first registration.	`"yyyy-mm-dd"` Example: `"2023-01-01"`
`structureNo`	string	Unique structure number for the car.	Example: `"4360005000112020000"`
`variantId`	integer	Variant ID for the car model.	Example: `419436`
`vehicleGroup`	string	Vehicle group.	Example: `"Personbil"`
`modelYear`	integer	Model year of the car.	Example: `2025`
`brandName`	string	Brand name of the car.	Example: `"Tesla"`
`brandCode`	integer	Brand code of the car.	Example: `4360`
`modelName`	string	Model name of the car.	Example: `"Model Y"`
`modelCode`	integer	Model code of the car.	Example: `5`
`modelGeneration`	string	Model generation of the car.	Example: `"1"`
`modelSplitName`	string, nullable	Additional model specification.	Example: `"Sportwagon"`
`variantName`	string	Variant name for the car model.	Example: `"Long Range AWD"`
`variantCode`	integer	Variant code for the car model.	Example: `11`
`segment`	string	Segment the car belongs to.	Example: `"SUV mellomklasse"`
`chassisShortName`	string	Chassis code for the car.	Example: `"SUV"`
`chassis`	string	Chassis description for the car.	Example: `"Sport Utility Vehicle"`
`transmissionShortName`	string	Gearbox code.	Example: `"AUT"`
`transmission`	string	Gearbox type.	Example: `"Automat"`
`energySourceShortName`	string	Energy source code.	Example: `"E"`
`energySource`	string	Type of energy source (electricity, petrol, etc.).	Example: `"Elektrisitet"`
`totalEngines`	integer	Number of engines.	Example: `2`
`emissionStandard`	string	Emission class.	Example: `"Euro 6"`
`importPrice`	integer	Import price of the car.	Example: `471587`
`currencyCode`	string	Currency code for import price.	Example: `"NOK"`
`approved`	string	Time of approval.	ISO 8601 (complete). Example: `"2024-10-16T12:06:00Z"`
`transferred`	string, nullable	Time of transfer.	ISO 8601 (date only). Example: `"2024-10-16"`

Request with multiple offers

If the request contains multiple offers, it looks like this. Here, an additional offer (offerRequest) has been added for each unique car:

{
    "id": "5Cw2lTTdy8HZA9Z1RBcKb",
    "person": {
        "pid": "10816797409",
        "firstName": "FORETAKSOM",
        "lastName": "KONGE",
        "addresses": [
            {
                "source": "folkeregisteret",
                "streetName": "Munkerekkveien 110",
                "postalCode": "3142",
                "postalLocation": "VESTSKOGEN"
            }
        ],
        "memberships": [
            {
                "membershipId": "821395476",
                "membershipName": "Norske Arkitekters Landsforbund"
            }
        ]
    },
    "offerRequest": [
        {
            "id": "lmp5_fChNgDt6zbtE1HuQ",
            "type": "bil",
            "data": {
                "coverage": "kasko",
                "addons": ["leiebil"],
                "bonus": "75%",
                "yearlyMileage": 12000,
                "youngestDriver": 25,
                "loan": false,
                "currentMileage": 50000,
                "currentAccidents": 1,
                "lastAccidentDate": "2023-02-05",
                "deductible": 6000,
                "carOwner": {
                    "ownerType": "otherOwner",
                    "leasingCompanyOrg": null,
                    "otherOwner": {
                        "pid": "09916795316",
                        "firstName": "FJÅNG",
                        "lastName": "REGEL"
                    }
                },
                "car": {
                    "source": "ofv",
                    "registrationDate": "2022-01-01",
                    "variantId": 385869,
                    "modelYear": 2022,
                    "brandName": "Audi",
                    "brandCode": 1230,
                    "modelName": "A4",
                    "modelCode": 9,
                    "variantName": "Avant Advanced 35 TFSi 150hk",
                    "variantCode": 21193,
                    "vehicleGroup": "Personbil",
                    "structureNo": "1230009211932022026",
                    "modelGeneration": "5B",
                    "modelSplitName": null,
                    "segment": "Mellomklassen",
                    "chassisShortName": "STV",
                    "chassis": "Stasjonsvogn",
                    "transmissionShortName": "AUT",
                    "transmission": "Automat",
                    "energySourceShortName": "BE",
                    "energySource": "Bensin Hybrid",
                    "totalEngines": 2,
                    "emissionStandard": "Euro 6",
                    "importPrice": 495100,
                    "currencyCode": "NOK",
                    "approved": "2022-01-07T16:56:42+01:00",
                    "transferred": "2022-12-12"
                }
            }
        },
        {
            "id": "BV_bS5xXoceIl26zftqd5",
            "type": "bil",
            "data": {
                "coverage": "utvidet",
                "addons": [
                    "leiebil",
                    "maskinskade"
                ],
                "bonus": "60%",
                "yearlyMileage": 30000,
                "youngestDriver": 25,
                "loan": true,
                "currentMileage": 35000,
                "currentAccidents": 1,
                "lastAccidentDate": "2023-02-05",
                "deductible": 8000,
                "carOwner": {
                    "ownerType": "sameAsPerson"
                },
                "car": {
                    "source": "ofv",
                    "registrationDate": "2013-01-01",
                    "variantId": 220765,
                    "modelYear": 2013,
                    "brandName": "Tesla",
                    "brandCode": 4360,
                    "modelName": "Model S",
                    "modelCode": 2,
                    "variantName": "60",
                    "variantCode": 1,
                    "vehicleGroup": "Personbil",
                    "structureNo": "4360002000012013002",
                    "modelGeneration": "1",
                    "modelSplitName": null,
                    "segment": "Luksusbiler",
                    "chassisShortName": "COM",
                    "chassis": "Kombikupé",
                    "transmissionShortName": "AUT",
                    "transmission": "Automat",
                    "energySourceShortName": "E",
                    "energySource": "Elektrisitet",
                    "totalEngines": 1,
                    "emissionStandard": "Euro 6",
                    "importPrice": 446500,
                    "currencyCode": "NOK",
                    "approved": "2013-10-16T14:35:25+02:00",
                    "transferred": "2014-02-14"
                }
            }
        }
    ],
    "requestAt": "2026-03-25T08:50:50+01:00"
}

Tenor test data request

In the test environment, requests may also include vehicles from Tenor's dataset. These do not include information from OFV's database:

{
    "id": "BoZTghz7UJbJZ1mA28NnY",
    "person": {
        "pid": "10816797409",
        "firstName": "FORETAKSOM",
        "lastName": "KONGE",
        "addresses": [
            {
                "source": "folkeregisteret",
                "streetName": "Munkerekkveien 110",
                "postalCode": "3142",
                "postalLocation": "VESTSKOGEN"
            }
        ],
        "memberships": [
            {
                "membershipId": "821395476",
                "membershipName": "Norske Arkitekters Landsforbund"
            }
        ]
    },
    "offerRequest": [
        {
            "id": "x7-xjveF1WKuWXVXMyQ3G",
            "type": "bil",
            "data": {
                "coverage": "utvidet",
                "addons": [],
                "bonus": "50%",
                "yearlyMileage": 10000,
                "youngestDriver": 25,
                "loan": true,
                "currentMileage": 15000,
                "currentAccidents": 0,
                "lastAccidentDate": null,
                "deductible": 8000,
                "carOwner": {
                    "ownerType": "sameAsPerson",
                    "leasingCompanyOrg": null,
                    "otherOwner": null
                },
                "car": {
                    "source": "tenor",
                    "regNumber": "CO10028"
                }
            }
        }
    ],
    "requestAt": "2026-03-25T08:50:50+01:00"
}

Possible values for the membership field (work in progress)

membershipId	membershipName
`934469267`	`Arkitektenes Fagforbund`
`960472764`	`Befalets Fellesorganisasjon`
`948383268`	`BOB`
`936560288`	`Coop`
`970217215`	`Delta`
`970430911`	`Den Norske Jordmorforening`
`960474341`	`Den Norske Legeforening`
`870167962`	`Den Norske Tannlegeforening`
`979469241`	`Den Norske Turistforening`
`966251808`	`Den Norske Veterinærforening`
`980331105`	`Finansforbundet`
`926490842`	`Flyt-kunde`
`874250082`	`Huseierne`
`971526726`	`Krigsskoleutdannede Offiserers Landsforening`
`971480416`	`Kriminalomsorgens Yrkesforbund`
`964422206`	`LOfavør`
`970168451`	`Naturviterne`
`944383832`	`Norges Automobil-Forbund`
`939678670`	`Norges Bondelag`
`856331482`	`Norges Ingeniør- og Teknologorganisasjon`
`970204938`	`Norges Offisers- og Spesialistforbund`
`970167943`	`Norsk Bonde- og Småbrukarlag`
`971074345`	`Norsk Jernbaneforbund`
`879495512`	`Norsk Lektorlag`
`971056541`	`Norsk Lokomotivførerforbund`
`970168419`	`Norsk Psykologforening`
`960893506`	`Norsk Sykepleierforbund`
`971043059`	`Norsk Tjenestemannslag`
`974235307`	`Norsk Tollerforbund`
`844146302`	`Norske Arkitekters Landsforbund`
`937052766`	`OBOS`
`971480270`	`Parat`
`871278342`	`Regnskap Norge`
`980374068`	`Revisorforeningen`
`964812578`	`SAFE`
`971277270`	`Samfunnsviterne`
`970168621`	`Samfunnsøkonomene`
`970149406`	`Skolelederforbundet`
`971435712`	`STAFO`
`971420782`	`Teknisk-naturvitenskapelig Forening`
`884026172`	`Utdanningsforbundet`
`971436050`	`Yrkestrafikkforbundet`

Response from the insurance company

This is a description of how the response from the insurance company should be structured. Examples have been included for what each field should contain.

All data fields in the response, including the ones that are nullable, are mandatory, except membershipApplied, which is optional.

If a response does not meet the required specifications, it will be discarded, and the offer will not be shown in the insurance service.

Companies are expected to respond within a reasonable time to the Consumer Council’s price requests. A normal response time is considered to be under 15 seconds. Companies that respond quickly may be displayed earlier in the portal.

Example response

The response is based on the first request example.

{
    "id": "xtNczK2rUAh5lfz-i26iO",
    "company": "Forsikringsselskap Ipsum AS",
    "totalPrice": 15883,
    "totalDiscount": 700,
    "totalOriginalPrice": 16583,
    "products": [
        {
            "id": "iKiLHD0opex6UcUqxyL3j",
            "type": "bil",
            "productName": "Bilforsikring Kasko",
            "prices": {
                "price": 16183,
                "originalPrice": 16583,
                "tfa": 2483.7
            },
            "productDetails": {
                "coverage": "kasko",
                "addons": [
                    "leiebil",
                    "maskinskade"
                ],
                "ipidUrls": [
                    {
                        "url": "https://www.forsikringipsum.no/ipid_bilforsikring",
                        "updatedAt": "2026-01-01T12:00:00.00Z"
                    }
                ],
                "termsUrls": [
                    {
                        "url": "https://www.forsikringipsum.no/vilkar_bilforsikring_kasko",
                        "updatedAt": "2026-01-01T12:00:00.00Z"
                    },
                    {
                        "url": "https://www.forsikringipsum.no/vilkar_leiebil",
                        "updatedAt": "2026-01-01T12:00:00.00Z"
                    }
                ]
            },
            "offer": {
                "bonus": "75%",
                "deductible": 6000,
                "yearlyMileage": 12000
            }
        }
    ],
    "discounts": [
        {
            "id": "iKiLHD0opex6UcUqxyL3j",
            "amount": 400,
            "title": "Lorem ipsum",
            "description": "Lorem ipsum dolor sit amet consectetur adipiscing elit",
            "scope": "product",
        },
        {
            "id": "xtNczK2rUAh5lfz-i26iO",
            "amount": 300,
            "title": "Lorem ipsum",
            "description": "Lorem ipsum dolor sit amet consectetur adipiscing elit",
            "scope": "package"
        }
    ],
    "additionalFees": [
        {
            "id": "xtNczK2rUAh5lfz-i26iO",
            "amount": 150,
            "title": "Lorem ipsum",
            "description": "Lorem ipsum dolor sit amet consectetur adipiscing elit",
            "scope": "package"
        }
    ],
    "membershipApplied": "Norske Arkitekters Landsforbund",
    "uniqueSellingPoints": [
        "Lorem ipsum dolor sit amet",
        "Consectetur adipiscing elit"
    ],
    "purchaseUrl": "https://forsikringipsum.no/handlekurv",
    "receivedAt": "2026-03-27T12:07:42.36Z",
    "responseAt": "2026-03-27T12:07:49.53Z"
}

Response field descriptions

Root-level fields

Field	Type	Description	Valid values
`id`	string	Same ID as received at root level in the request.	Must match `id` from request root level. Example: `"xtNczK2rUAh5lfz-i26iO"`
`company`	string	Name of the insurance company.	Example: `"Forsikringsselskap Ipsum AS"`
`totalPrice`	integer	Total price per year for all products, after discount. All fees and charges (both at product-level and root-level) except TFA are to be included in this price.	Must be greater than `0`. Must be equal to `totalOriginalPrice` - `totalDiscount`.
`totalDiscount`	integer	Total discount for the full insurance offer. Absolutely all discounts, both those that apply individually to the products and those that apply at the package level, must be included in this amount. Note that even though a discount can have `amount` = `null` in `discounts`, its actual value must still be included in this field.	Must not be less than the sum of all `amount` fields in the `discounts` array, but can be greater since `amount` for discounts is nullable.
`totalOriginalPrice`	integer	Total original price per year for the full insurance offer before discount. All fees and charges (both at product-level and root-level) except TFA are to be included in this price.	Must be greater than `0`. Must be greater than or equal to `totalPrice`.
`products`	array of product objects	Products included in the insurance offer.	Must have the same number of elements as `offerRequest` in the request. See Products array
`discounts`	array of discount objects	Discounts included in the insurance offer.	Can be empty. See Discounts array
`additionalFees`	array of fee objects	Additional fees and charges that apply to the insurance offer.	Can be empty. See Fees array
`membershipApplied`	string, nullable, optional	The name of the membership used when calculating price.	The field may be omitted or be `null`. If the field is included and is not `null`, it must precisely match one of the membership names from the request.
`uniqueSellingPoints`	array of strings	USPs from the company. Must be provided as plain text without HTML, Markdown, or line breaks.	Can be empty. Max 5 string elements. Max length per string is 250 characters.
`purchaseUrl`	string	URL for purchasing the products.	HTTPS URL. Example: `"https://forsikringipsum.no/handlekurv"`
`receivedAt`	string	Time when the request was received.	ISO 8601 (complete). Example: `"2026-03-27T12:07:42.36Z"`
`responseAt`	string	Time when the response was sent.	ISO 8601 (complete). Example: `"2026-03-27T12:07:49.53Z"`

Products array

Field	Type	Description	Valid values
`id`	string	ID associated with the product offer.	Must match an ID from `offerRequest` in the request. Example: `"iKiLHD0opex6UcUqxyL3j"`
`type`	string	Insurance product type.	`"bil"`
`productName`	string	The company's own name for the product or coverage offered.	Example: `"Bilforsikring Kasko"`
`prices`	object	Price values for the product.	See Prices object
`productDetails`	object	Product details.	See Product details object
`offer`	object	Offer details for the product.	See Offer object

Discounts array

Field	Type	Description	Valid values
`id`	string	ID the discount applies to.	Must match either root-level `id` from the request, or one of the IDs in `offerRequest`.
`amount`	integer, nullable	Discount amount in NOK. Optional to include.	May be `null`. If not `null`, must be greater than `0`.
`title`	string	Discount title.	Max length 50 characters. Example: `"Lojalitetsrabatt"`
`description`	string, nullable	Discount description.	May be `null`. Max length 250 characters.
`scope`	string	Indicates whether the discount applies to a specific product or to the full insurance offer.	`"product"` `"package"`

Fees array

All costs/fees that will be added to the invoice for the offer period (one year) must be reported, whether they are the base price or other costs and/or fees related to the establishment or maintenance of the customer relationship, or to each individual insurance agreement.

Costs related to invoicing options agreed upon in connection with the conclusion of the agreement shall not be reported.

Field	Type	Description	Valid values
`id`	string	ID the fee applies to.	Must match either root-level `id` from the request, or one of the IDs in `offerRequest`.
`amount`	integer	Fee amount in NOK.	Must be greater than `0`.
`title`	string	Fee title.	Max length 50 characters. Example: `"Etableringsgebyr"`.
`description`	string, nullable	Fee description.	May be `null`. Max length 250 characters.
`scope`	string	Indicates whether the fee applies to a specific product or to the full insurance offer.	`"product"` `"package"`

Prices object

Field	Type	Description	Valid values
`price`	integer	Product price per year, after discount. Without fees and costs or TFA.	Must be greater than `0`.
`originalPrice`	integer	Product original price/premium per year, before discount. Without fees and costs or TFA.	Must be greater than `0`. Must be greater than or equal to `price`.
`tfa`	decimal	Road traffic insurance tax for the product. This is purely supplementary information which should not be included in either `originalPrice` or `totalOriginalPrice`.	Must be greater than or equal to `0.0`.

Product details object

Field	Type	Description	Valid values
`coverage`	string	Coverage for the product.	`"ansvar"` `"delkasko"` `"kasko"` `"utvidet"`
`addons`	array of strings	Additional coverages included in the product. Must contain at least all additional coverages requested in `data.addons` for the same `offerRequest`.	Can be empty if no additional coverages were requested or are included. Valid elements in array: `"leiebil"` `"maskinskade"`
`ipidUrls`	array of IPID objects	List of direct download links to IPID documents (insurance product information document).	Must contain at least one element. See IPID array
`termsUrls`	array of terms objects	List of direct download links to product terms.	Must contain at least one element. See Terms array

IPID array

Field	Type	Description	Valid values
`url`	string	Download link to IPID.	HTTPS URL
`updatedAt`	string	Time of the latest IPID update.	ISO 8601 (complete). Example: `"2026-01-01T12:00:00.00Z"`

Terms array

Field	Type	Description	Valid values
`url`	string	Download link to terms.	HTTPS URL
`updatedAt`	string	Time of the latest terms update.	ISO 8601 (complete). Example: `"2026-01-01T12:00:00.00Z"`

Offer object

Field	Type	Description	Valid values
`bonus`	string	Product bonus.	`"75% > 5 år"` `"75% > 4 år"` `"75% > 3 år"` `"75% > 2 år"` `"75%"` `"70% > 5 år"` `"70% > 4 år"` `"70% > 3 år"` `"70% > 2 år"` `"70%"` `"60%"` `"50%"` `"40%"` `"30%"` `"20%"` `"10%"` `"0%"` `"-10%"` `"-20%"` `"-30%"` `"-40%"`
`deductible`	integer	Product deductible in NOK.	From `0` to `35000`.
`yearlyMileage`	integer	Annual mileage for the car product in km.	From `1` to `999999`, or `0` for unlimited mileage.

Description of purchase link

The company may choose between two solutions for the link in the purchaseUrl field:

A. Continued offer flow

The link takes users to a personal page at the company, for example a checkout, "My page", or similar, where users can receive binding offers and/or complete the purchase of insurance based on the original offer returned to Finansportalen Insurance after authenticating with the company. The link itself contains no personal data, and users gain access to information related to the offer only after identifying themselves with the company.

B. Forward to the company's website

The link takes users to the company's website, product page, or similar, where users themselves start a dialog with the company to receive a binding offer and/or purchase insurance. The link contains no personal data, and users do not get access to information related to the original offer returned to Finansportalen Insurance.

In case of errors

If there is an error, we want the company to respond with a representative HTTP status code and the following body:

{
    "error": {
        "code": "string",
        "message": "string"
    }
}

If there are errors for one product in a request containing multiple products, the entire request will fail.

error.code must be one of the documented error codes below. error.message can be used to provide a brief, non-sensitive explanation of the error.

Use of HTTP status codes

HTTP status code	When should it be used?	Typical error codes
`400 Bad Request`	The request cannot be processed because it is invalid, is missing required fields, has the wrong data type, wrong format, or values outside documented limits. This also applies when combinations of fields are invalid, for example `deductible` above `0` when `coverage` = `"ansvar"`.	`validation_error`
`422 Unprocessable Entity`	The request is technically valid and understood, but the company cannot provide a price for the specific risk or business situation. This is the normal status code when the company cannot offer a price, for example due to an existing agreement, need for manual assessment, or because the parameter combination is not supported and would also not have produced a price in the company's public web solution.	`no_price_available`, `existing_agreement`, `additional_information_required`
`429 Too Many Requests`	The company rejects the request because Finansportalen has sent too many requests in a short period of time, or because temporary capacity protection has been enabled. The response should include a `Retry-After` header if the company knows when a new request can be attempted.	`service_unavailable`
`500 Internal Server Error`	The company encounters an internal error while processing the request, for example an error in price calculation or an unexpected system error.	`failed_calculating_price`, `unknown_error`
`503 Service Unavailable`	The service is temporarily unavailable due to maintenance, capacity issues, or unavailable dependencies. The response should include a `Retry-After` header if the company knows when the service is expected to be available again.	`service_unavailable`

As a general rule, 400 should be used when the error is caused by the content of the request from Finansportalen, 422 when the request is understood but the company cannot provide a price for the specific case, and 500/503 when the error is caused by the company or the company's dependencies.

Authentication and authorization errors are handled with ordinary HTTP status codes, for example 401 Unauthorized or 403 Forbidden. These errors concern access to the API and do not need to follow the error code list below.

Technical errors

Code	Description
`validation_error`	Invalid or missing fields in the request
`failed_calculating_price`	The system could not calculate a price due to an internal error, for example an internal calculation failure or missing internal calculation data
`service_unavailable`	The service is temporarily unavailable (e.g., maintenance or capacity issues)
`unknown_error`	Unexpected error that does not fit into the other categories

Other errors

Code	Description
`no_price_available`	The company cannot provide a price, and would also not have provided one in its public web solution, for example because the parameter combination is not supported
`existing_agreement`	The company does not return a price because the user already has an agreement for the given product with the company
`additional_information_required`	The request requires more information; the user must contact an advisor

Request from the Consumer Council​

Example request​

Request field descriptions​

Root-level fields​

Person object​

Address object​

Membership object​

Offer request object​

Offer data object​

Car owner object​

Other owner object​

Car object​

Request with multiple offers​

Tenor test data request​

Possible values for the membership field (work in progress)​

Response from the insurance company​

Example response​

Response field descriptions​

Root-level fields​

Products array​

Discounts array​

Fees array​

Prices object​

Product details object​

IPID array​

Terms array​

Offer object​

Description of purchase link​

A. Continued offer flow​

B. Forward to the company's website​

In case of errors​

Use of HTTP status codes​

Technical errors​

Other errors​

Request from the Consumer Council

Example request

Request field descriptions

Root-level fields

Person object

Address object

Membership object

Offer request object

Offer data object

Car owner object

Other owner object

Car object

Request with multiple offers

Tenor test data request

Possible values for the membership field (work in progress)

Response from the insurance company

Example response

Response field descriptions

Root-level fields

Products array

Discounts array

Fees array

Prices object

Product details object

IPID array

Terms array

Offer object

Description of purchase link

A. Continued offer flow

B. Forward to the company's website

In case of errors

Use of HTTP status codes

Technical errors

Other errors