Behavior Rules
The form applies these rules; you do not need to do anything extra. You can refer to this page when you support your buyer and when you read your payment records.
Consent and selection
- There is no default selection. Insurance is never preselected or pre-ticked.
- Consent is required. Insurance is not added until the buyer ticks the consent box. With the consent box, the buyer accepts the terms of the offer and consents to their details being shared with the provider for the insurance. The consent is recorded together with the terms version of the offer.
- There is a single selection. A payment has one insurance selection at a time. If the buyer selects another offer, it replaces the previous selection. The Insurance tab and the payment step show the same selection.
- The buyer can remove the insurance until they submit the payment. After the payment is submitted, the selection cannot be changed.
Quote
- A quote has a validity period. If it expires, or the selection can no longer be used, the buyer is asked to get a new quote.
- A quote is bound to the payment's basket. To change the basket you create a new payment; on the new payment the buyer gets a new quote.
- The details the buyer enters are validated in the form. An invalid or missing field is shown next to the field, and no quote is requested until it is corrected. Formats: Data Formats.
- If the provider makes no offer, the buyer is told that no offer was made for these details. The buyer can change the details and try again, or continue the payment without insurance.
- If no quote can be obtained (for example, the provider cannot be reached at that moment), the buyer can try again and is told they can continue the payment without insurance. The payment is not blocked.
Pre-filled details
The details you send with the item's insuranceContext and insuranceData fields in the payment request arrive ready in the form: Basket Items › Insurance pre-fill data.
| Detail | In the form |
|---|---|
Non-personal fields from insuranceContext (trip, model, dates and so on) | Arrive filled in; the buyer can change them. |
Fields from insuranceData | Shown masked and read-only, with the note "Provided by the merchant". Edit next to the field clears it and the buyer types their own value; the value the buyer types replaces the one you sent. |
| Fields that were not sent | The buyer fills them in as usual. |
- The personal values you send do not reach the form in plain form; if the buyer does not edit them, they are added on the Lunixi side when the quote is obtained.
- The fields you sent count as filled in; the buyer is asked only for the missing ones.
- If the item's pre-fill data does not fit the type's rules, it is not used; those fields are asked of the buyer empty, and the payment is not affected.
Automatic quote
- If all the details the quote and the policy need are ready, the form requests the quote once on its own when it opens. The quote is shown with its price in the payment step.
- Policy fields are checked too, because the policy is issued with these details after the payment. For ticket insurance, for example, the passenger's email and phone, the booking code and the ticket number must also be sent. If only the quote fields arrived, the buyer fills in the missing policy fields and gets a quote.
- Insurance is still not added on its own. The box arrives unticked; insurance is not added until the buyer selects it and ticks the consent box.
- If some details are missing, no automatic quote is requested; the buyer fills in the missing ones and gets a quote.
- If the automatic quote cannot be obtained (the provider made no offer, or cannot be reached at that moment), no error is shown to the buyer. The option to add insurance appears in the payment step as usual; the buyer can review the details and get a quote, or pay without insurance.
If insurance cannot be verified when the payment is submitted
If insurance is selected, the selection is verified when the payment is submitted, before the payment attempt. If verification fails, the payment attempt does not start and no money moves. The form does not silently remove the insurance; it offers the buyer options depending on the situation:
| Situation | Options offered to the buyer |
|---|---|
| The insurance cannot be verified at that moment | Try again or Continue without insurance |
| The selection cannot be used for this payment (for example, the quote expired) | Get a new quote or Continue without insurance |
| Insurance cannot be added to this payment | Continue without insurance |
The Continue without insurance button shows the current amount to be paid without insurance. If the buyer chooses it, the payment is submitted without insurance, with the amount you created.
Retries
If the payment is declined and the buyer tries again in the form, insurance is not offered in the new attempt. The selection and the premium of the previous attempt are not carried over to the new attempt; the buyer pays without insurance in the new attempt.
Payments without insurance
- If the buyer selects no insurance, the payment is processed as today, with the amount and basket you created.
- If insurance is off in your form settings, the form makes no request for insurance.
- The payment does not stop when insurance cannot be offered, when no quote can be obtained or when the buyer continues without insurance.
The buyer's details
The details the buyer enters in the form for insurance (for example, the insured person's details) are used only for the insurance and shared with your provider. They are not added to your payment request or to the payment's basket.
The details you send in the basket item (insuranceData) are also used only for the insurance and are not passed to your payment provider. They are deleted within at most one hour after the payment is 24 hours old: Insurance › Personal data.
Related
- How It Works: what the buyer sees in the form
- Payment and Premium: the single charge and the premium item
- Concepts and Statuses: quote, selection, order and policy