Tenant scoring
Can I score a candidate without their ID number?
Can I score a candidate without their ID number?
Yes. With the declared monthly income, you get a solvency result at the
Basic tier. The delinquency check needs the ID number and postal code, so it
runs once you add them.
Do I need documents to score a candidate?
Do I need documents to score a candidate?
No. Documents are optional. They move the score to the Accredited tier, but
they do not change the results. See Confidence
tiers.
What does OK at the limit mean?
What does OK at the limit mean?
The candidate is solvent, but the share of their income that goes to the
rent is close to the limit: between 35% and 40%. See How the score
works.
How do I score several people who rent together?
How do I score several people who rent together?
Send them in the same application. Solvency uses their combined income, and
delinquency is checked for each person. See Candidates who rent
together.
Does a good score guarantee the policy?
Does a good score guarantee the policy?
No. The score helps you prioritize candidates. The insurer runs its own
checks when you ask for a quote and when you request the policy.
Non-payment insurance
Who does the policy protect?
Who does the policy protect?
The landlord. The policy is taken out for the landlord’s property, and the
landlord is the policyholder. The insurer assesses the tenants and
guarantors who will rent it.
Do I need to score the tenant again before asking for a quote?
Do I need to score the tenant again before asking for a quote?
No. You need the data the quote asks for, including the tenant’s ID number.
See Get a quote.
Do I need documents to get a quote?
Do I need documents to get a quote?
No. A quote needs data only. The case lists the documents the insurer
requires, and you upload them afterwards. See Provide pending
documents.
Why is income annual in the quote and monthly in the score?
Why is income annual in the quote and monthly in the score?
The insurer works with annual income, while the tenant score uses monthly
income. Send each one in the unit the endpoint asks for.
What happens if I repeat the call that opens a case?
What happens if I repeat the call that opens a case?
A case id that was already used answers
409 case-already-exists, whatever
the data. After a timeout, read the case: if it answers 404 it was not
opened and you can send the same id again. See Get a
quote.Do uploaded documents change the offer?
Do uploaded documents change the offer?
No. Documents are stored and sent to the insurer when you issue the policy,
so the offer you got with the quote does not change.
How long does the review take?
How long does the review take?
It depends on the offer. If the insurer needs to review a conditioned offer,
the case stays in
policy-requested until it decides. Poll the case to
follow it.Can I cancel a case?
Can I cancel a case?
Not once the issuance has been requested: wait for the insurer’s decision.
Any change after that point needs a new case. See Request the
policy.
How do I know the policy has been issued?
How do I know the policy has been issued?
Poll the case. The insurer does not send a notification. Once the status is
policy-issued, the policy number and the policy documents are available.