MyCover.ai
Webhooks

Events

Below is a comprehensive list of all webhook events that can be received from the MyCover.ai platform, along with their corresponding data structures.

Events are how we notify your application when something happens in your integration. Each time a significant action occurs like a policy is purchased, a claim is submitted, or a payment is processed, we generate an event object and deliver it to your configured webhook endpoint.

Understanding events is central to building a reliable integration. Rather than polling our API for changes, you can listen for events and react to them in real time.

Always remember to use the event_id to deduplicate incoming events.

Event types

Every event has an event field that identifies what happened. Event types follow a resource.action naming pattern. For example, purchase.successful or claim.submitted. This makes it easy to filter and route events in your handler.

We group events by the resource they relate to. Each group is documented below with its available event types, the fields you can expect in data.essential, and a sample payload.

Purchase and renewal

This event is triggered when a policy is purchased or renewed.

{
  "data": {
    "meta": {
      "sum_insured": 500000,
      "policy_number": "TESTACC/AR/05/2026/HQ/7520"
    },
    "essential": {
      "email": "[email protected]",
      "amount": "25000.0000",
      "last_name": "Kardi",
      "policy_id": "0cc16073-f566-4749-adf8-0e0d980089a6",
      "first_name": "Jimmy",
      "product_id": "eec0711c-1e4a-453b-a26c-2726e0a1a7cc",
      "customer_id": "908d7572-726c-4467-a613-2d3a1478c17d",
      "policy_number": "TESTACC/AR/05/2026/HQ/7520",
      "expiration_date": "2027-05-22T00:00:00.000Z"
    },
    "sdk": {
      "config": {
        "pk": "YOUR_PUBLIC_KEY",
        "pid": "eec0711c-1e4a-453b-a26c-2726e0a1a7cc",
        "email": "[email protected]",
        "phone": "2349102345678",
        "action": "claim",
        "progress": "submission",
        "policy_id": "0cc16073-f566-4749-adf8-0e0d980089a6",
        "business_id": "f19b711c-ce4b-4b10-9af7-6ebb84ea5d07",
        "claim_type": "Gadget",
        "customer_id": "908d7572-726c-4467-a613-2d3a1478c17d",
        "first_name": "Jimmy",
        "currency_code": "NGN",
        "policy_number": "TESTACC/AR/05/2026/HQ/7520"
      },
      "claim_link": "https://mycover.ai/purchase?q=eyJwayI6Ik1DQVBVQk...",
      "inspection_link": "https://mycover.ai/purchase?q=eyJwayI6Ik1DQVBVQk..."
    },
    "created_at": "2026-05-22T14:23:57.419Z",
    "updated_at": "2026-05-22T14:24:01.815Z"
  },
  "event": "purchase.successful",
  "status": "processed",
  "event_id": "l6w0iT2yGXfQsOJCe8ipa"
}

Policy update

This event is triggered whenever a policy's details or status are updated. Common scenarios include:

  • Certificate/HMO document generation: The official policy certificate/HMO document URL is generated or regenerated. This updates the certificate_url field in the essential object.
  • Policy details: The policy details are updated like first_name, last_name, email, phone, product_id, customer_id, policy_number, expiration_date. This updates the essential object.
{
  "data": {
    "meta": {
      "sum_insured": 500000,
      "policy_number": "TESTACC/AR/05/2026/HQ/0388"
    },
    "essential": {
      "email": "[email protected]",
      "amount": "25000.0000",
      "last_name": "Kardi",
      "policy_id": "f6685b51-965c-4f10-a180-dcc107aaf747",
      "first_name": "Jimmy",
      "product_id": "eec0711c-1e4a-453b-a26c-2726e0a1a7cc",
      "customer_id": "908d7572-726c-4467-a613-2d3a1478c17d",
      "policy_number": "TESTACC/AR/05/2026/HQ/0388",
      "certificate_url": "https://s3.eu-west-2.amazonaws.com...pdf",
      "expiration_date": "2027-05-22T00:00:00.000Z"
    },
    "sdk": {
      "config": {
        ...
        "action": "claim",
        "progress": "submission",
        ...
      },
      "claim_link": "https://mycover.ai/purchase?q=eyJwayI6Ik1DQVBVQktfVEV..."
    },
    "created_at": "2026-05-22T16:06:37.911Z",
    "updated_at": "2026-05-22T16:06:42.597Z"
  },
  "event": "policy.updated",
  "status": "processed",
  "event_id": "fkc9J8OI_J1q4QMT9PrOV"
}

Claims

These events are triggered when a claim is created, updated, or moves through the processing pipeline.

Event Types and Triggers

EventDescription
claim.submittedTriggered when a new claim is successfully submitted by a customer.
claim.approvedTriggered when the claim is approved by the Provider or Insurer.
claim.disapprovedTriggered when the claim is disapproved. A comment field is included in the payload explaining the reason.
claim.offer_sentTriggered when a claim/settlement offer is generated and sent to the customer.
claim.offer_rejectedTriggered when the customer rejects the claim offer. A comment field is included with the reason.
claim.updatedTriggered during intermediate processing updates. Key triggers include:
• Document submission: The customer uploads a required document (e.g., travel tickets or receipts).
• Inspection completion: The customer completes a post-loss inspection.
• Additional information requested: The provider requests extra details or documents.
• Additional information submitted: The customer responds to the information request.
• Repair estimation: An estimated cost of repair is submitted.
• Offer acceptance: The customer accepts the settlement offer.
• Payout/Settlement: The payout is processed, and the claim is fully settled.

Key Payload Properties

Use these properties to track the real-time status and type of a claim as it progresses:

Property PathDescriptionPossible Values
data.essential.statusRepresents the high-level operational state of the claim.Pending, Inspection submitted, Third party inspection submitted, Documented, Approved, Declined, Requested additional information, Submitted additional information, Repair estimate submitted, Offer sent, Offer accepted, Offer rejected, Paid
data.essential.typeIndicates the category of the insurance claim.Vehicle, Gadget, Credit life, Travel, Life, Content
data.meta.progressTracks the step-by-step workflow milestone of the claim.submission, inspection, documentation, additional_info, third_party_inspection, technician_repair_estimate, repair_estimate, offer, status
{
  "data": {
    "meta": {
      "damages": [
        {
          "damage_area": "Front",
          "damage_part": "Bumper",
          "far_range_url": "https://s3.eu-west-2.amazonaws.com...jpg",
          "close_range_url": "https://s3.eu-west-2.amazonaws.com...jpg"
        }
      ],
      "progress": "submission",
      "loss_type": "Collision",
      "policy_id": "373af503-4b1e-4c5d-98b8-1e3cbec0f04a",
      "claim_type": "Vehicle",
      "public_key": "595960b8-e4a2-4f05-b2f7-a6307e9f462a",
      "business_id": "92e39bc5-6110-4dcb-8583-bc50c2e6922b",
      "currency_id": "6b3147f9-aa5b-4fd9-934d-ee5a179db989",
      "incident_date": "2026-05-07",
      "incident_time": "10:49",
      "incident_type": "Accidental damage",
      "driver_license": "ABC12345DE6",
      "is_third_party": true,
      "status_time_line": [
        {
          "name": "Pending",
          "time_stamp": "Thu, May 7, 2026, 10:53 AM"
        }
      ],
      "incident_location": "lokoja",
      "driver_license_url": "https://s3.eu-west-2.amazonaws.com...jpg",
      "no_of_damage_parts": 1,
      "has_third_party_info": false,
      "incident_best_explain": "Collision",
      "third_party_loss_type": [
        "Third party bodily injury"
      ]
    },
    "essential": {
      "type": "Vehicle",
      "status": "Pending",
      "policy_id": "21dd7902-3448-4f96-ab10-81652d534a13",
      "product_id": "24140c74-fc6f-42f5-a0d2-24800b22d80a",
      "customer_id": "ae9e9db8-80cd-4469-be31-aa2cb8198ec9",
      "incident_date": "2026-03-06",
      "claimant_email": "[email protected]",
      "additional_info": null,
      "claimant_last_name": "Jimmy",
      "claimant_first_name": "Kenneth",
      "description": "This pertains to harm on a vehicle's physical components, such as dents..."
    },
    "sdk": {
      "config": {
        "pk": "YOUR_PUBLIC_KEY",
        "pid": "24140c74-fc6f-42f5-a0d2-24800b22d80a",
        "email": "[email protected]",
        "phone": "2347064378577",
        "action": "claim",
        "progress": "inspection",
        "policy_id": "21dd7902-3448-4f96-ab10-81652d534a13",
        "business_id": "f19b711c-ce4b-4b10-9af7-6ebb84ea5d07",
        "claim_type": "Vehicle",
        "customer_id": "ae9e9db8-80cd-4469-be31-aa2cb8198ec9",
        "first_name": "Arthur",
        "currency_code": "NGN",
        "policy_number": "110105102401479"
      },
      "claim_link": "https://mycover.ai/purchase?q=eyJwayI6Ik1DQVBVQktfV..."
    },
    "created_at": "2024-08-29T19:50:22.357Z",
    "updated_at": "2025-12-31T13:29:39.176Z"
  },
  "event": "claim.submitted",
  "status": "processed",
  "event_id": "SeCOzLVdJ6MG8gvQH_eQd"
}

Inspection

This event is triggered whenever a pre-loss inspection is completed.

{
  "data": {
    "meta": {
      "policy": {
        "email": "[email protected]",
        "amount": "350000.0000",
        "last_name": "italawaasw",
        "first_name": "italowaaah",
        "product_id": "45140c74-fc6f-42f5-a0d2-66800b22d999",
        "customer_id": "7de326d2-c0b0-4f74-91ee-29b680593fff",
        "policy_number": "OJ152221010245",
        "certificate_url": "https://s3.eu-west-2.amazonaws.com...",
        "expiration_date": "2027-02-17T00:00:00.000Z"
      },
      "category": "preloss",
      "progress": "submission",
      "policy_id": "b494dba7-df0e-4647-aa1a-17a6251ad123",
      "timestamp": "23:00",
      "video_url": "https://s3.eu-west-2.amazonaws.com...blob",
      "public_key": "aed22457-722b-4c94-81c8-c7780bdc7368",
      "business_id": "f19b711c-ce4b-4b10-9af7-6ebb84ea5d07",
      "currency_id": "6b3147f9-aa5b-4fd9-934d-ee5a179db989",
      "geolocation": "Okporo Road, Rumuodara, Obio/Akpor, Rivers, 500211, Nigeria",
      "inspection_type": "Vehicle",
      "vehicle_category": "Car",
      "inspection_images": {
        "left": "https://s3.eu-west-2.amazonaws.com...png",
        "rear": "https://s3.eu-west-2.amazonaws.com...png",
        "front": "https://s3.eu-west-2.amazonaws.com...png",
        "right": "https://s3.eu-west-2.amazonaws.com...png",
        "interior": "https://s3.eu-west-2.amazonaws.com...png",
        "dashboard": "https://s3.eu-west-2.amazonaws.com...png",
        "chassis_number": "https://s3.eu-west-2.amazonaws.com...png"
      },
      "inspection_duration": "500",
      "inspection_device_type": "Phone"
    },
    "essential": {
      "type": "Vehicle",
      "status": "completed",
      "category": "preloss",
      "end_date": "2026-02-16",
      "policy_id": "b494dba7-df0e-4647-aa1a-17a6251ad123",
      "start_date": "2026-01-17",
      "is_approved": false,
      "inspection_report_url": null
    },
    "sdk": {
      "config": {
        "pk": "YOUR_PUBLIC_KEY",
        "pid": "45140c74-fc6f-42f5-a0d2-66800b22d999",
        "email": "[email protected]",
        "phone": "2348091233123",
        "action": "claim",
        "progress": "submission",
        "policy_id": "b494dba7-df0e-4647-aa1a-17a6251ad123",
        "business_id": "f19b711c-ce4b-4b10-9af7-6ebb84ea5d07",
        "claim_type": "Vehicle",
        "customer_id": "7de326d2-c0b0-4f74-91ee-29b680593fff",
        "first_name": "italowaaah",
        "currency_code": "NGN",
        "policy_number": "OJ152221010245"
      },
      "claim_link": "https://mycover.ai/purchase?q=eyJwayI6Ik1DQVBVQktfVEV..."
    },
    "created_at": "2026-02-17T19:58:25.396Z",
    "updated_at": "2026-02-17T19:58:25.396Z"
  },
  "event": "inspection.completed",
  "status": "processed",
  "event_id": "zrELhU1462se8_pidjhUg"
}

Preliminary

Our webhooks provide instantaneous alerts whenever particular events take place within your account. These events encompass various actions, spanning from successful policy purchase to renewal.

Messaging

When you integrate our SDK or API as a distributor, we provide additional communication options for you, to your customers. This includes notifying them about purchases, activations, and renewals through various channels such as email or SMS.

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