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Non-payment insurance protects the landlord if the tenant stops paying the rent. Once you have chosen a tenant, you can request the policy for the landlord’s property through Vivara. The insurer assesses the tenants, the landlord and the property, and decides whether to issue it. Everything you do for one rental happens on a case. You create the case yourself by choosing its id, a UUID v4, so you can trace it end to end.

How it works

1

Open the case

Send the tenant, landlord, property and contract data with POST /non-payment-insurance/cases. Read the case with GET to see the offer and the documents the insurer requires. No documents are needed yet.
2

Upload the required documents

Send each document listed in documentation.missing. Documents are stored until you issue the policy. When nothing is missing, the case is ready-to-issue.
3

Issue the policy

Send the landlord’s details and the bank account. Vivara requests the issuance and, when the offer is conditioned, sends the insurer every document merged into a single PDF.
4

Track the outcome

Poll the case until it is policy-issued or rejected. Once issued, the case carries the policy number and the policy documents.

Before you start

  • You need a chosen tenant. The policy is requested for one rental: one property, one landlord and the tenants who will live there, with their guarantors if any. A case holds between one and four people.
  • Every tenant and guarantor is assessed. Send the data and documents of each person on the rental contract, not only the main tenant.
  • A good tenant score helps, but it is not enough. The insurer runs its own checks. See Tenant scoring.

In this section

Get a quote

The data the quote needs and what it returns.

Provide pending documents

Which documents the insurer may ask for, and how to send them.

Request the policy

What you need to issue the policy, and what happens next.

Track status and policy number

The statuses of a case, and how to poll them.