# Modification Workflow

The modification workflow is used when a customer wants to make a change to their existing policy.\
Examples could include; changing the date of an overseas vacation, increasing the item value or value of goods in a container, or changing the date of an event.

These changes may be possible for certain policies and can be done using the Booking Update API endpoints. These changes, if available, will cause a difference in policy price which may result in a refund or additional fee depending on the changes made.

The below diagram illustrates the API calls needed to successfully modify a customers policy.

<picture><source srcset="/files/9zFO3x6mXqpSETcnGbkD" media="(prefers-color-scheme: dark)"><img src="/files/T1hTA7vrdMMRDIg0FdMU" alt=""></picture>

## Booking Retrieval

The first step is to obtain information regarding the customers purchased insurance, this step can be skipped if you have stored all relevant information about a customers insurance booking such as INS number, Quote IDs, price paid, etc.

## Retrieve a Booking

<mark style="color:blue;">`GET`</mark> `https://api.xcover.com/x/partners/:partner_id/bookings/:quote_package_id`

Retrieves a specific booking by providing the quote package ID.

#### Path Parameters

| Name               | Type   | Description            |
| ------------------ | ------ | ---------------------- |
| partner\_id        | string | Unique Partner Code    |
| quote\_package\_id | string | Quote Package ID (INS) |

#### Headers

| Name          | Type   | Description      |
| ------------- | ------ | ---------------- |
| Content-Type  | string | application/json |
| Date          | string | Current Datetime |
| Authorization | string | HMAC Signature   |
| X-Api-Key     | string | API Key          |

{% tabs %}
{% tab title="200 " %}

```
{
    "id": "8WD8Y-LTEKE-INS",
    "status": "CONFIRMED",
    "currency": "USD",
    "total_price": 4.27,
    "total_price_formatted": "US$4.27",
    "partner_transaction_id": "id-to-stitch-transactions-in-two-systems",
    "created_at": "2021-01-15T01:19:49.529799Z",
    "updated_at": "2021-01-15T01:19:59.773302Z",
    "pds_url": "https://staging.xcover.com/en/pds/8WD8Y-LTEKE-INS",
    "security_token": "UiRlP-6bLfQ-1YLjR-ste66",
    "quotes": [
        {
            "id": "201eb11b-4494-40e8-97fa-e107c76501bf",
            "policy_start_date": "2021-01-17T13:00:00+00:00",
            "policy_end_date": "2021-01-19T13:00:00+00:00",
            "status": "CONFIRMED",
            "price": 4.27,
            "price_formatted": "US$4.27",
            "policy": {
                "policy_type": "event_ticket_protection",
                "policy_name": "Missed Event Cover (Generic)",
                "policy_code": "MECG0001",
                "policy_version": "5d24e2d1-a341-4b8b-9917-82878470a9c3",
                "category": "event_ticket_protection",
                "content": {
                    "title": "Missed Event Cover for Justin Bibber",
                    "header": null,
                    "description": "90% of attendees add Missed Event Cover for generous protection when things go wrong or your plans change. For only  per ticket it covers you - and all ticket holders - if:",
                    "optout_msg": "",
                    "disclaimer": "<p>This insurance is arranged by Cover Genius Ltd which is authorised and regulated by the FCA (No.750711). Policies are underwritten by Markel International Insurance Company Limited which is authorised by the PRA and regulated by the FCA, (No.202570).</p>"
                },
                "underwriter": {
                    "disclaimer": "This plan is arranged by XCover.com",
                    "name": "Cover Genius Pty Ltd"
                },
                "claim_selector_id": null
            },
            "insured": [
                {
                    "id": "3aa30165-7a71-45ab-8899-f479fcb6e8e2",
                    "first_name": "Darin",
                    "last_name": "Sikanic",
                    "email": "darin@covergenius.com",
                    "region": null
                }
            ],
            "tax": {
                "total_tax": 0.0,
                "total_amount_without_tax": 4.27,
                "total_tax_formatted": "US$0.00",
                "total_amount_without_tax_formatted": "US$4.27",
                "taxes": []
            },
            "duration": "2 00:00:00",
            "benefits": [
                {
                    "description": "Updated Transalation",
                    "limit": 7.77,
                    "limit_policy_currency": 10.0,
                    "limit_formatted": "US$7.77",
                    "limit_policy_currency_formatted": "A$10.00",
                    "excess": 3.88,
                    "excess_policy_currency": 5.0,
                    "excess_formatted": "US$3.88",
                    "excess_policy_currency_formatted": "A$5.00"
                },
                {
                    "description": "Updated Transalation",
                    "limit_description": "Benefit Text Test 01",
                    "excess": 4.66,
                    "excess_policy_currency": 6.0,
                    "excess_formatted": "US$4.66",
                    "excess_policy_currency_formatted": "A$6.00"
                },
                {
                    "description": "Description",
                    "limit": 11.65,
                    "limit_policy_currency": 15.0,
                    "limit_formatted": "US$11.65",
                    "limit_policy_currency_formatted": "A$15.00"
                },
                {
                    "description": "Description",
                    "limit": 15.54,
                    "limit_policy_currency": 20.0,
                    "limit_formatted": "US$15.54",
                    "limit_policy_currency_formatted": "A$20.00",
                    "excess_description": "Excess Text Test 01"
                },
                {
                    "description": "Description",
                    "limit_description": "Benefit Text Test 02",
                    "excess_description": "Excess Text Test 02"
                }
            ],
            "commission": {
                "total_commission": 0.0,
                "total_commission_formatted": "US$0.00"
            },
            "created_at": "2021-01-15T01:19:49.523137Z",
            "confirmed_at": "2021-01-15T01:19:59.750719Z",
            "updated_at": "2021-01-15T01:19:59.763517Z",
            "cancelled_at": null,
            "is_renewable": false,
            "cover_amount": 77.7,
            "cover_amount_formatted": "US$77.70",
            "pds_url": "https://staging.xcover.com/en/pds/8WD8Y-LTEKE-INS?policy_type=event_ticket_protection_v1",
            "attachments": [],
            "files": [],
            "extra_fields": {},
            "next_renewal": null,
            "can_be_cancelled": true
        }
    ],
    "coi": {
        "url": "https://staging.xcover.com/en/coi/8WD8Y-LTEKE-INS?security_token=UiRlP-6bLfQ-1YLjR-ste66",
        "pdf": "https://staging.xcover.com/en/coi/8WD8Y-LTEKE-INS.pdf?security_token=UiRlP-6bLfQ-1YLjR-ste66"
    },
    "account_url": "https://staging.xcover.com/en/account?id=0bde2670-c3f9-4e79-a837-063d5d5e3874&signup_token=zl4qR-wNoL5-fHZ4M-u0Lmb",
    "policyholder": {
        "first_name": "Ben",
        "middle_name": null,
        "last_name": "H",
        "email": "ben.h+generic@covergenius.com",
        "phone": null,
        "country": "US",
        "age": null,
        "address1": null,
        "address2": null,
        "city": null,
        "postcode": null,
        "region": "NYC",
        "secondary_email": null,
        "birth_date": null,
        "company": null
    },
    "total_tax": 0.0,
    "total_tax_formatted": "US$0.00",
    "total_premium": 4.27,
    "total_premium_formatted": "US$4.27",
    "partner": {
        "id": "87ZRF",
        "name": "Generic Partner",
        "title": "Generic Partner",
        "logo": "https://staging.static.xcover.com/media/partnerlogos/2020/08/12/travel_logo.png",
        "contact_url": "https://staging.xcover.com/en/about",
        "partner_url": "https://staging.xcover.com",
        "help_center_url": "https://staging.xcover.com/en/help/your-insurance",
        "updated_at": "2020-10-28T07:48:24.671777Z",
        "xpay_refund_enabled": false,
        "subsidiary": {
            "id": "87ZRF",
            "name": "Generic Partner",
            "title": "Generic Partner",
            "logo": "https://staging.static.xcover.com/media/partnerlogos/2020/08/12/travel_logo.png",
            "contact_url": "https://staging.xcover.com/en/about",
            "partner_url": "https://staging.xcover.com",
            "help_center_url": "https://staging.xcover.com/en/help/your-insurance",
            "updated_at": "2020-10-28T07:48:24.671777Z",
            "xpay_refund_enabled": false
        }
    },
    "customer_language": "en"
}
```

{% endtab %}
{% endtabs %}

## Booking Modification

In some circumstances a modification will not impact the premium price of a specific policy. This could be for a variety of reasons where additional information is supplied to enhance the profile of a policy, covered item, or insured party.\
\
Examples of such use cases:\
\- Manufacturer or serial number information received after the policy booking\
\- Product receipt or ownership verification documents or images\
\- Address or phone number information updates for the insured

{% hint style="warning" %}
Ensure the fields you are modifying do not affect price. Speak to your assigned Client Solutions Engineer (CSE) before implementing this endpoint.
{% endhint %}

## Modify Booking

<mark style="color:purple;">`PATCH`</mark> `https://api.xcover.com/x/partners/:partner_id/bookings/:quote_package_id/`

Updates booking details instantly.

#### Path Parameters

| Name               | Type   | Description            |
| ------------------ | ------ | ---------------------- |
| partner\_id        | string | Unique Partner Code    |
| quote\_package\_id | string | Quote Package ID (INS) |

#### Headers

| Name          | Type   | Description      |
| ------------- | ------ | ---------------- |
| Content-Type  | string | application/json |
| Date          | string | Current Datetime |
| Authorization | string | HMAC Signature   |
| X-API-Key     | string | API Key          |

{% tabs %}
{% tab title="200 A successful request, including the total price difference : " %}

```
{
    "id": "8WD8Y-LTEKE-INS",
    "status": "CONFIRMED",
    "currency": "USD",
    "total_price": 3.5,
    "total_price_formatted": "US$3.50",
    "partner_transaction_id": "id-to-stitch-transactions-in-two-systems",
    "created_at": "2021-01-15T01:19:49.529799Z",
    "updated_at": "2021-01-15T01:30:17.360948Z",
    "pds_url": "https://staging.xcover.com/en/pds/8WD8Y-LTEKE-INS",
    "security_token": "UiRlP-6bLfQ-1YLjR-ste66",
    "quotes": [
        {
            "id": "201eb11b-4494-40e8-97fa-e107c76501bf",
            "policy_start_date": "2021-01-17T13:00:00+00:00",
            "policy_end_date": "2021-01-19T13:00:00+00:00",
            "status": "CONFIRMED",
            "price": 3.5,
            "price_formatted": "US$3.50",
            "policy": {
                "policy_type": "event_ticket_protection",
                "policy_name": "Missed Event Cover (Generic)",
                "policy_code": "MECG0001",
                "policy_version": "5d24e2d1-a341-4b8b-9917-82878470a9c3",
                "category": "event_ticket_protection",
                "content": {
                    "title": "Missed Event Cover for Justin Bibber",
                    "header": null,
                    "description": "90% of attendees add Missed Event Cover for generous protection when things go wrong or your plans change. For only  per ticket it covers you - and all ticket holders - if:",
                    "optout_msg": "",
                    "disclaimer": "<p>This insurance is arranged by Cover Genius Ltd which is authorised and regulated by the FCA (No.750711). Policies are underwritten by Markel International Insurance Company Limited which is authorised by the PRA and regulated by the FCA, (No.202570).</p>"
                },
                "underwriter": {
                    "disclaimer": "This plan is arranged by XCover.com",
                    "name": "Cover Genius Pty Ltd"
                },
                "claim_selector_id": null
            },
            "insured": [
                {
                    "id": "3aa30165-7a71-45ab-8899-f479fcb6e8e2",
                    "first_name": "Darin",
                    "last_name": "Sikanic",
                    "email": "darin@covergenius.com",
                    "region": null
                }
            ],
            "tax": {
                "total_tax": 0.0,
                "total_amount_without_tax": 3.5,
                "total_tax_formatted": "US$0.00",
                "total_amount_without_tax_formatted": "US$3.50",
                "taxes": []
            },
            "duration": "2 00:00:00",
            "benefits": [
                {
                    "description": "Updated Transalation",
                    "limit": 7.77,
                    "limit_policy_currency": 10.0,
                    "limit_formatted": "US$7.77",
                    "limit_policy_currency_formatted": "A$10.00",
                    "excess": 3.88,
                    "excess_policy_currency": 5.0,
                    "excess_formatted": "US$3.88",
                    "excess_policy_currency_formatted": "A$5.00"
                },
                {
                    "description": "Updated Transalation",
                    "limit_description": "Benefit Text Test 01",
                    "excess": 4.66,
                    "excess_policy_currency": 6.0,
                    "excess_formatted": "US$4.66",
                    "excess_policy_currency_formatted": "A$6.00"
                },
                {
                    "description": "Description",
                    "limit": 11.65,
                    "limit_policy_currency": 15.0,
                    "limit_formatted": "US$11.65",
                    "limit_policy_currency_formatted": "A$15.00"
                },
                {
                    "description": "Description",
                    "limit": 15.54,
                    "limit_policy_currency": 20.0,
                    "limit_formatted": "US$15.54",
                    "limit_policy_currency_formatted": "A$20.00",
                    "excess_description": "Excess Text Test 01"
                },
                {
                    "description": "Description",
                    "limit_description": "Benefit Text Test 02",
                    "excess_description": "Excess Text Test 02"
                }
            ],
            "commission": {
                "total_commission": 0.0,
                "total_commission_formatted": "US$0.00"
            },
            "created_at": "2021-01-15T01:19:49.523137Z",
            "confirmed_at": "2021-01-15T01:19:59.750719Z",
            "updated_at": "2021-01-15T01:30:17.355406Z",
            "cancelled_at": null,
            "is_renewable": false,
            "cover_amount": 38.85,
            "cover_amount_formatted": "US$38.85",
            "pds_url": "https://staging.xcover.com/en/pds/8WD8Y-LTEKE-INS?policy_type=event_ticket_protection_v1",
            "attachments": [],
            "files": [],
            "extra_fields": {},
            "next_renewal": null,
            "can_be_cancelled": true,
            "price_diff": -0.77,
            "price_diff_formatted": "-US$0.77"
        }
    ],
    "coi": {
        "url": "https://staging.xcover.com/en/coi/8WD8Y-LTEKE-INS?security_token=UiRlP-6bLfQ-1YLjR-ste66",
        "pdf": "https://staging.xcover.com/en/coi/8WD8Y-LTEKE-INS.pdf?security_token=UiRlP-6bLfQ-1YLjR-ste66"
    },
    "account_url": "https://staging.xcover.com/en/account?id=0bde2670-c3f9-4e79-a837-063d5d5e3874&signup_token=zl4qR-wNoL5-fHZ4M-u0Lmb",
    "policyholder": {
        "first_name": "Ben",
        "middle_name": null,
        "last_name": "H",
        "email": "ben.h+generic@covergenius.com",
        "phone": null,
        "country": "US",
        "age": null,
        "address1": null,
        "address2": null,
        "city": null,
        "postcode": null,
        "region": "NYC",
        "secondary_email": null,
        "birth_date": null,
        "company": null
    },
    "total_tax": 0.0,
    "total_tax_formatted": "US$0.00",
    "total_premium": 3.5,
    "total_premium_formatted": "US$3.50",
    "total_price_diff": -0.77,
    "total_price_diff_formatted": "-US$0.77",
    "update_id": "qh89u-AIB2k-34CC8-UPD"
}
```

{% endtab %}
{% endtabs %}

{% tabs %}
{% tab title="Request Payload" %}

```javascript
{
    "quotes": [
        {
            "id": "{{quote_1_id}}",
            "update_fields": {
                "insured": [
                    {
                        "id": "{{insured_uuid}}",
                        "first_name": "Darin",
                        "last_name": "Sikanic",
                        "email": "darin-new-email@covergenius.com"
                    }
                ]
            }
        }
    ]
}
```

{% endtab %}
{% endtabs %}

## Preview Modification - Quote for Booking Update.

A request to the quote\_for\_booking\_update endpoint will include the details of the policy that have changed the response will include the outstanding amount to be charged or refunded.

After calling the quote\_for\_booking\_update endpoint, and once partial refund or any additional charge is collected, a confirm update request is submitted to complete the booking update workflow.

## Preview Modification

<mark style="color:purple;">`PATCH`</mark> `https://api.xcover.com/x/partners/:partner_id/bookings/:quote_package_id/quote_for_update`

Generates a Quote for booking changes as specified in the request which can then be confirmed using the endpoint specified in the Response

#### Path Parameters

| Name               | Type   | Description            |
| ------------------ | ------ | ---------------------- |
| partner\_id        | string | Unique Partner Code    |
| quote\_package\_id | string | Quote Package ID (INS) |

#### Headers

| Name          | Type   | Description      |
| ------------- | ------ | ---------------- |
| Content-Type  | string | application/json |
| Date          | string | Current Datetime |
| Authorization | string | HMAC Signature   |
| X-API-Key     | string | API Key          |

{% tabs %}
{% tab title="200 A successful request, including the total price difference : " %}

```
{
    "id": "8WD8Y-LTEKE-INS",
    "status": "CONFIRMED",
    "currency": "USD",
    "total_price": 3.5,
    "total_price_formatted": "US$3.50",
    "partner_transaction_id": "id-to-stitch-transactions-in-two-systems",
    "created_at": "2021-01-15T01:19:49.529799Z",
    "updated_at": "2021-01-15T01:30:17.360948Z",
    "pds_url": "https://staging.xcover.com/en/pds/8WD8Y-LTEKE-INS",
    "security_token": "UiRlP-6bLfQ-1YLjR-ste66",
    "quotes": [
        {
            "id": "201eb11b-4494-40e8-97fa-e107c76501bf",
            "policy_start_date": "2021-01-17T13:00:00+00:00",
            "policy_end_date": "2021-01-19T13:00:00+00:00",
            "status": "CONFIRMED",
            "price": 3.5,
            "price_formatted": "US$3.50",
            "policy": {
                "policy_type": "event_ticket_protection",
                "policy_name": "Missed Event Cover (Generic)",
                "policy_code": "MECG0001",
                "policy_version": "5d24e2d1-a341-4b8b-9917-82878470a9c3",
                "category": "event_ticket_protection",
                "content": {
                    "title": "Missed Event Cover for Justin Bibber",
                    "header": null,
                    "description": "90% of attendees add Missed Event Cover for generous protection when things go wrong or your plans change. For only  per ticket it covers you - and all ticket holders - if:",
                    "optout_msg": "",
                    "disclaimer": "<p>This insurance is arranged by Cover Genius Ltd which is authorised and regulated by the FCA (No.750711). Policies are underwritten by Markel International Insurance Company Limited which is authorised by the PRA and regulated by the FCA, (No.202570).</p>"
                },
                "underwriter": {
                    "disclaimer": "This plan is arranged by XCover.com",
                    "name": "Cover Genius Pty Ltd"
                },
                "claim_selector_id": null
            },
            "insured": [
                {
                    "id": "3aa30165-7a71-45ab-8899-f479fcb6e8e2",
                    "first_name": "Darin",
                    "last_name": "Sikanic",
                    "email": "darin@covergenius.com",
                    "region": null
                }
            ],
            "tax": {
                "total_tax": 0.0,
                "total_amount_without_tax": 3.5,
                "total_tax_formatted": "US$0.00",
                "total_amount_without_tax_formatted": "US$3.50",
                "taxes": []
            },
            "duration": "2 00:00:00",
            "benefits": [
                {
                    "description": "Updated Transalation",
                    "limit": 7.77,
                    "limit_policy_currency": 10.0,
                    "limit_formatted": "US$7.77",
                    "limit_policy_currency_formatted": "A$10.00",
                    "excess": 3.88,
                    "excess_policy_currency": 5.0,
                    "excess_formatted": "US$3.88",
                    "excess_policy_currency_formatted": "A$5.00"
                },
                {
                    "description": "Updated Transalation",
                    "limit_description": "Benefit Text Test 01",
                    "excess": 4.66,
                    "excess_policy_currency": 6.0,
                    "excess_formatted": "US$4.66",
                    "excess_policy_currency_formatted": "A$6.00"
                },
                {
                    "description": "Description",
                    "limit": 11.65,
                    "limit_policy_currency": 15.0,
                    "limit_formatted": "US$11.65",
                    "limit_policy_currency_formatted": "A$15.00"
                },
                {
                    "description": "Description",
                    "limit": 15.54,
                    "limit_policy_currency": 20.0,
                    "limit_formatted": "US$15.54",
                    "limit_policy_currency_formatted": "A$20.00",
                    "excess_description": "Excess Text Test 01"
                },
                {
                    "description": "Description",
                    "limit_description": "Benefit Text Test 02",
                    "excess_description": "Excess Text Test 02"
                }
            ],
            "commission": {
                "total_commission": 0.0,
                "total_commission_formatted": "US$0.00"
            },
            "created_at": "2021-01-15T01:19:49.523137Z",
            "confirmed_at": "2021-01-15T01:19:59.750719Z",
            "updated_at": "2021-01-15T01:30:17.355406Z",
            "cancelled_at": null,
            "is_renewable": false,
            "cover_amount": 38.85,
            "cover_amount_formatted": "US$38.85",
            "pds_url": "https://staging.xcover.com/en/pds/8WD8Y-LTEKE-INS?policy_type=event_ticket_protection_v1",
            "attachments": [],
            "files": [],
            "extra_fields": {},
            "next_renewal": null,
            "can_be_cancelled": true,
            "price_diff": -0.77,
            "price_diff_formatted": "-US$0.77"
        }
    ],
    "coi": {
        "url": "https://staging.xcover.com/en/coi/8WD8Y-LTEKE-INS?security_token=UiRlP-6bLfQ-1YLjR-ste66",
        "pdf": "https://staging.xcover.com/en/coi/8WD8Y-LTEKE-INS.pdf?security_token=UiRlP-6bLfQ-1YLjR-ste66"
    },
    "account_url": "https://staging.xcover.com/en/account?id=0bde2670-c3f9-4e79-a837-063d5d5e3874&signup_token=zl4qR-wNoL5-fHZ4M-u0Lmb",
    "policyholder": {
        "first_name": "Ben",
        "middle_name": null,
        "last_name": "H",
        "email": "ben.h+generic@covergenius.com",
        "phone": null,
        "country": "US",
        "age": null,
        "address1": null,
        "address2": null,
        "city": null,
        "postcode": null,
        "region": "NYC",
        "secondary_email": null,
        "birth_date": null,
        "company": null
    },
    "total_tax": 0.0,
    "total_tax_formatted": "US$0.00",
    "total_premium": 3.5,
    "total_premium_formatted": "US$3.50",
    "total_price_diff": -0.77,
    "total_price_diff_formatted": "-US$0.77",
    "update_id": "qh89u-AIB2k-34CC8-UPD"
}
```

{% endtab %}
{% endtabs %}

{% hint style="info" %}
A reduction in ticket prices here is used as an example for a cause for policy value refund.\
See response in above section tab.
{% endhint %}

{% tabs %}
{% tab title="Request Payload" %}

```javascript
{
    "quotes": [
        {
            "id": "{{quote_1_id}}",
            "update_fields": {
                "tickets": [
                	{"price": 25},
                	{"price": 25}
                ]
            }
        }
    ]
}
```

{% endtab %}
{% endtabs %}

## Confirm Modification

To confirm a modification that has been previewed a request to the following endpoint needs to be made.

## Confirm Modification

<mark style="color:green;">`POST`</mark> `https://api.xcover.com/x/partners/:partner_id/bookings/:quote_package_id/confirm_update/:update_id/`

Confirm the booking update and charge or refund. Optionally include the charge ID reference. Request contains no payload.

#### Path Parameters

| Name               | Type   | Description               |
| ------------------ | ------ | ------------------------- |
| partner\_id        | string | Unique Partner ID         |
| quote\_package\_id | string | Quote Package ID (INS)    |
| update\_id         | string | ID referencing the update |

#### Headers

| Name          | Type   | Description      |
| ------------- | ------ | ---------------- |
| Content-Type  | string | application/json |
| Date          | string | Current Datetime |
| Authorization | string | HMAC Signature   |
| X-API-Key     | string | API Key          |

{% tabs %}
{% tab title="200 " %}

```
{
    "id": "8WD8Y-LTEKE-INS",
    "status": "CONFIRMED",
    "currency": "USD",
    "total_price": 3.5,
    "total_price_formatted": "US$3.50",
    "partner_transaction_id": "id-to-stitch-transactions-in-two-systems",
    "created_at": "2021-01-15T01:19:49.529799Z",
    "updated_at": "2021-01-15T01:43:18.466465Z",
    "pds_url": "https://staging.xcover.com/en/pds/8WD8Y-LTEKE-INS",
    "security_token": "UiRlP-6bLfQ-1YLjR-ste66",
    "quotes": [
        {
            "id": "201eb11b-4494-40e8-97fa-e107c76501bf",
            "policy_start_date": "2021-01-17T13:00:00+00:00",
            "policy_end_date": "2021-01-19T13:00:00+00:00",
            "status": "CONFIRMED",
            "price": 3.5,
            "price_formatted": "US$3.50",
            "policy": {
                "policy_type": "event_ticket_protection",
                "policy_name": "Missed Event Cover (Generic)",
                "policy_code": "MECG0001",
                "policy_version": "5d24e2d1-a341-4b8b-9917-82878470a9c3",
                "category": "event_ticket_protection",
                "content": {
                    "title": "Missed Event Cover for Justin Bibber",
                    "header": null,
                    "description": "90% of attendees add Missed Event Cover for generous protection when things go wrong or your plans change. For only  per ticket it covers you - and all ticket holders - if:",
                    "optout_msg": "",
                    "disclaimer": "<p>This insurance is arranged by Cover Genius Ltd which is authorised and regulated by the FCA (No.750711). Policies are underwritten by Markel International Insurance Company Limited which is authorised by the PRA and regulated by the FCA, (No.202570).</p>"
                },
                "underwriter": {
                    "disclaimer": "This plan is arranged by XCover.com",
                    "name": "Cover Genius Pty Ltd"
                },
                "claim_selector_id": null
            },
            "insured": [
                {
                    "id": "3aa30165-7a71-45ab-8899-f479fcb6e8e2",
                    "first_name": "Darin",
                    "last_name": "Sikanic",
                    "email": "darin@covergenius.com",
                    "region": null
                }
            ],
            "tax": {
                "total_tax": 0.0,
                "total_amount_without_tax": 3.5,
                "total_tax_formatted": "US$0.00",
                "total_amount_without_tax_formatted": "US$3.50",
                "taxes": []
            },
            "duration": "2 00:00:00",
            "benefits": [
                {
                    "description": "Updated Transalation",
                    "limit": 7.77,
                    "limit_policy_currency": 10.0,
                    "limit_formatted": "US$7.77",
                    "limit_policy_currency_formatted": "A$10.00",
                    "excess": 3.88,
                    "excess_policy_currency": 5.0,
                    "excess_formatted": "US$3.88",
                    "excess_policy_currency_formatted": "A$5.00"
                },
                {
                    "description": "Updated Transalation",
                    "limit_description": "Benefit Text Test 01",
                    "excess": 4.66,
                    "excess_policy_currency": 6.0,
                    "excess_formatted": "US$4.66",
                    "excess_policy_currency_formatted": "A$6.00"
                },
                {
                    "description": "Description",
                    "limit": 11.65,
                    "limit_policy_currency": 15.0,
                    "limit_formatted": "US$11.65",
                    "limit_policy_currency_formatted": "A$15.00"
                },
                {
                    "description": "Description",
                    "limit": 15.54,
                    "limit_policy_currency": 20.0,
                    "limit_formatted": "US$15.54",
                    "limit_policy_currency_formatted": "A$20.00",
                    "excess_description": "Excess Text Test 01"
                },
                {
                    "description": "Description",
                    "limit_description": "Benefit Text Test 02",
                    "excess_description": "Excess Text Test 02"
                }
            ],
            "commission": {
                "total_commission": 0.0,
                "total_commission_formatted": "US$0.00"
            },
            "created_at": "2021-01-15T01:19:49.523137Z",
            "confirmed_at": "2021-01-15T01:19:59.750719Z",
            "updated_at": "2021-01-15T01:43:18.462228Z",
            "cancelled_at": null,
            "is_renewable": false,
            "cover_amount": 38.85,
            "cover_amount_formatted": "US$38.85",
            "pds_url": "https://staging.xcover.com/en/pds/8WD8Y-LTEKE-INS?policy_type=event_ticket_protection_v1",
            "attachments": [],
            "files": [],
            "extra_fields": {},
            "next_renewal": null,
            "can_be_cancelled": true,
            "price_diff": -0.77,
            "price_diff_formatted": "-US$0.77"
        }
    ],
    "coi": {
        "url": "https://staging.xcover.com/en/coi/8WD8Y-LTEKE-INS?security_token=UiRlP-6bLfQ-1YLjR-ste66",
        "pdf": "https://staging.xcover.com/en/coi/8WD8Y-LTEKE-INS.pdf?security_token=UiRlP-6bLfQ-1YLjR-ste66"
    },
    "account_url": "https://staging.xcover.com/en/account?id=0bde2670-c3f9-4e79-a837-063d5d5e3874&signup_token=zl4qR-wNoL5-fHZ4M-u0Lmb",
    "policyholder": {
        "first_name": "Ben",
        "middle_name": null,
        "last_name": "H",
        "email": "ben.h+generic@covergenius.com",
        "phone": null,
        "country": "US",
        "age": null,
        "address1": null,
        "address2": null,
        "city": null,
        "postcode": null,
        "region": "NYC",
        "secondary_email": null,
        "birth_date": null,
        "company": null
    },
    "total_tax": 0.0,
    "total_tax_formatted": "US$0.00",
    "total_premium": 3.5,
    "total_premium_formatted": "US$3.50",
    "total_price_diff": -0.77,
    "total_price_diff_formatted": "-US$0.77"
}
```

{% endtab %}
{% endtabs %}

\\


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.covergenius.com/xcover/modification.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.