# Product / Retail

Retail platforms and marketplaces can seamlessly present relevant warranty and insurance policies in the purchase path.\
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Commonly, partners will integrate XCover using two key purchase process API calls: [create quote](https://app.gitbook.com/@cover-genius/s/doc-xcover/~/drafts/-MI2Y76Y5vxiUOiNBc0h/purchase-workflow-overview/quote) and [create booking](https://app.gitbook.com/@cover-genius/s/doc-xcover/~/drafts/-MI2Y76Y5vxiUOiNBc0h/purchase-workflow-overview/booking). Depending where the offer of insurance is provided (at product page, cart page, or between as a product is added to cart), a single product quote or package quote can be used.\
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See a collection of common requests for this integration type\
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Most integrations follow the below high-level flow of events:

<picture><source srcset="https://1637184925-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-LsQ_haI87nzaKJrV84e%2Fuploads%2Fgit-blob-a6364eda7390f8f767a47767706ac6a1f21e862b%2Fquote-booking-product-retail-dark.png?alt=media" media="(prefers-color-scheme: dark)"><img src="https://1637184925-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-LsQ_haI87nzaKJrV84e%2Fuploads%2Fgit-blob-21109ab43eba2d6374ca729b1b1a7d444c4f0fdc%2Fquote-booking-product-retail-light.png?alt=media" alt=""></picture>

1\. User browses product options and;\
2\. Selects a product to cart (or arrives at a product page etc.)\
3\. Partner platform sends a quote package payload to the create quote endpoint\
4\. User selects insurance option/s\
5\. User pays for product/s and insurance at checkout\
6\. [Payment collection](https://app.gitbook.com/@cover-genius/s/doc-xcover/~/drafts/-MI2Y76Y5vxiUOiNBc0h/payment-process)\
7\. Partner sends a booking request to the create booking endpoint\
8\. XCover sends confirmation email including policy details, Partner sends purchase confirmation and tax invoice.

**In-Store CG Portal Process**

For in-store purchases, sales associates can utilize the Cover Genius Portal on an iPad or similar device. The online form requires a few details about the product and some customer and payment information to protect a customer's purchase(s).

<figure><picture><source srcset="https://1637184925-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-LsQ_haI87nzaKJrV84e%2Fuploads%2Fgit-blob-8538352485fc949d0f93d8c1d9b00cfca15f44f0%2FCG-portal-product-retail-dark%20(1).png?alt=media" media="(prefers-color-scheme: dark)"><img src="https://1637184925-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-LsQ_haI87nzaKJrV84e%2Fuploads%2Fgit-blob-8b4399c2cf65994c1bbd0c7bdbedd12eb1208523%2FCG-portal-product-retail-light%20(2).png?alt=media" alt=""></picture><figcaption></figcaption></figure>

#### Post sale processes

[Cancellation](https://app.gitbook.com/@cover-genius/s/doc-xcover/~/drafts/-MI2Y76Y5vxiUOiNBc0h/cancellation)\
Should a partner need to facilitate policy cancellation (for example, a product return, or order cancellation), the below workflow should be referenced.

<picture><source srcset="https://1637184925-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-LsQ_haI87nzaKJrV84e%2Fuploads%2Fgit-blob-ae1592a288a3cf88b488940eb6e6180a642b3c03%2Fcancellation-product-retail-dark.png?alt=media" media="(prefers-color-scheme: dark)"><img src="https://1637184925-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-LsQ_haI87nzaKJrV84e%2Fuploads%2Fgit-blob-12d5db0df705e8944dfb8984608e2ccecdb421cc%2Fcancellation-product-retail-light.png?alt=media" alt=""></picture>

#### Opt-out process

In circumstances where a customer chooses to purchase products, but not the insurance offer. An opt-out request is used to notify XCover of a non-opted insurance quote. This assists with pricing and product offer data analysis and ultimately improved offers and sales results.