Verify Policy (Sync)

POST /api/v1/verify

Validates a policy number against format patterns, the FCA register, and country-specific databases. Costs 1 credit on success.

Request body

Parameter	Type	Required	Description
policy_number	string	✓	The policy number to verify
country	string	✓	ISO code: UK, DE, FR
insurance_type	string	✓	motor, travel, or health
provider	string		Insurer name — improves confidence

Response

Field	Type	Description
status	string	verified, inconclusive, or unverified
confidence_score	number	0.0–1.0. Above 0.7 is a strong match.
verification_sources	array	Checks that ran: format, fca_register, registry
insurer	object	Matched FCA-registered insurer. Null if not found.
flags	array	Warning flags, e.g. expired, sanctioned
credits_charged	integer	1 on success, 0 on inconclusive/error
processed_in_ms	integer	Server-side processing time

Examples

curl -X POST https://policynumbers.com/api/v1/verify \
  -H "Authorization: Bearer pk_live_xxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{"policy_number":"AXK12345678","country":"UK","insurance_type":"motor","provider":"AXA"}'

200 OK

{
  "status": "verified",
  "confidence_score": 0.96,
  "verification_sources": ["format", "fca_register", "registry"],
  "insurer": { "name": "AXA Insurance UK plc", "reference": "202312", "regulated": "YES", "authorised": true },
  "flags": [],
  "credits_charged": 1,
  "processed_in_ms": 312
}

400 Missing field

{ "error": "missing_required_fields", "detail": "Required fields missing: insurance_type" }

402 No credits

{ "error": "insufficient_credits", "detail": "Credit balance is 0." }