This section lists the fields and formats required in the MidTermAdjustment request. MidTermAdjustment enables customers to make a change in an insurance policy before the end of the policy period. This invariably results in a change to the premium; an increase in premium will result in a positive additional premium
whereas a decrease will result in a negative return premium.

	Value
Method	POST
URL	/midtermadjustment

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The data passed to us is validated and if we find errors with the data then this is returned with an error code and error description, which is presented to the broker to facilitate the change and hopefully resubmit the request.
For additional premiums, we may need to have an underwriter analyse the account further. In such cases, a Referred decision is returned to the broker. Decisions are made within an agreed SLA (discussed between the broker and the BNPP PF). A conversation is sent to the software company to check the result of the underwriter decision and display this to the broker.

Request Example

{
    "clientCode": "CI2",
    "shopCode": "4576",
    "MidTermAdjustmentRequestType":{
        "brokerReference": "3607\/017",
        "accountNumber":"910000016995",
        "fundingDifference":-100.0,
        "isApplyPremium":true,
        "mtaReasonDescription":"Bought a new car",
        "mtaFeeAmountField":0.0,
        "isEdiFlagField":true,
        "policyNumber":"3607\/016",
        "affordability":{
            "netMonthlyIncome":10000.0,
            "spousePartnerNetMonthyIncome":1000.0,
            "monthlyMortgageRentRepayment":1000.0,
            "maritalStatus":"M",
            "residentialStatus":"O",
            "numberOfDependants":1
        }

    }
}

{
  "clientCode": "Provided by BNPP PF",
  "shopCode": "Provided by BNPP PF",
  "newBusinessRequestType": {
    "application": {
      "brokerReference": "BROKERREF01",
      "accountNumber": null,
      "insuranceType": 1,
      "isRenewal": false,
      "allowSearchAuthorisation": true,
      "isCustomerPresent": true,
      "hasCustomerDeclaration": true
    },
    "policy": {
      "policyInceptionDate": "2020-11-04",
      "policyRenewalDate": "2021-11-04",
      "totalCashPrice": 1320.00,
      "deposit": 132.00,
      "creditProductCode": "TIN1",
      "term": 10,
      "preferredPaymentDay": 15,
      "policyPremiumAmount": 132.00,
      "brokerCreditFeeAmount": 10.0,
      "brokerCreditFeeDescription": "fees",
      "brokerFeeAmount": 120.0,
      "brokerFeeAmountDescription": "discount applicable",
      "addOnAmount": 5.0,
      "addOnAmountDescription": "Heavy Duty",
      "discountAmount": 1.0,
      "discountAmountDescription": "Discount",
      "premiumDescription": "1",
      "policyType": 1,
      "policyNumber": "mh-123456",
      "insuranceCompany": "7",
      "ropRateType": 1,
      "isEdiFlag": false
    },
    "applicant": {
      "customer": {
        "title": "Mr",
        "firstName": "Test01FN",
        "lastName": "Test01LN",
        "dateOfBirth": "1966-10-09",
        "nationality": "GBR",
        "countryOfBirth": "GBR",
        "email": "[email protected]",
        "policyholderName": "MW FORREST",
        "address": {
          "houseName": null,
          "houseNumber": "1",
          "streetName": "CROMWELL ROAD",
          "townland": "ELY",
          "postTown": "ELY",
          "county": null,
          "postCode": "CB6 1AS",
          "addressLineOne": null
        },
        "yearsAtAddress": 2,
        "previousAddress": {
          "houseName": null,
          "houseNumber": "1",
          "streetName": "CROMWELL ROAD",
          "townland": "ELY",
          "postTown": "ELY",
          "county": null,
          "postCode": "CB6 1AS",
          "addressLineOne": null
        },
        "telephone": {
          "mobileNumber": "07700900624",
          "phoneNumber": "01632960183"
        },
        "employment": {
          "employmentStatus": "FT",
          "employmentLevelSpecified": false,
          "industrySector": "1",
          "employmentSector": "1"
        }
      },
      "payment": {
        "isJointAccount": false,
        "isApplicantAccount": true,
        "thirdPartyAccountName": null,
        "thirdPartyApplicantAddress": null
      },
      "bank": {
        "bankAccountNumber": "41011166",
        "bankSortCode": "201596",
        "iban": null,
        "bic": null
      },
      "income": {
        "netMonthlyIncome": 27800.00
      }
    }
  }
}

Response Example

{
    "data": {
        "midTermAdjustmentResponseType": {
            "decision": 1,
            "responseStatus": 1,
            "decisionText": "Accepted",
            "responseStatusText": "Success"
        },
        "errors": null
    },
    "validationErrors": [],
    "error": -1,
    "error_description": null,
    "successful": true
}

Fields

Root

Field	Required	Type	Max Length	Notes
ClientCode	Mandatory	String	10	This is a unique client identifier. It is supplied by BNPP PF.
ShopCode	Mandatory	String	10	This is a unique shop identifier. It is supplied by BNPP PF.
midTermAdjustmentRequestType				See midTermAdjustmentRequestType

midTermAdjustmentRequestType

Node	Required	Type	Max Length	Notes
BrokerReference	Mandatory	String	25	This is a unique reference provided by the broker to identify the applicant. The broker can use this reference to identify and locate the applicant on the BNPP PF system.
AccountNumber	Mandatory	String	15	This is the reference BNPP PF has assigned to the applicant as part of the new application process. It is used to locate the account and apply the transaction. It is mandatory to provide the AccountNumber and BrokerReference for MidTermAdjustments.
FundingDifference	Mandatory	Decimal		This is the adjustment amount, for example £120.47 or £- 140.01.
ApplyPremium	Mandatory	Boolean		This confirms whether the premium is to be applied. The options are: True or False.
MtaReasonDescription	Mandatory	String	50	This is the detailed reason for the mid-term adjustment (MTAReasonDescription).
MtaFeeAmount	Mandatory	Decimal		This is the fee that has been added to the mid-term adjustment amount (MTAFeeAmount).
IsEdiFlag	Mandatory	Boolean		This is a flag that indicates whether the policy is EDI or Non EDI
PolicyNumber	Mandatory	String	20	This is the insurance policy number.

Affordability	Optional	Affordability		See Structure of Affordability. This will be mandatory for applications over a certain value. This will be agreed with BNPP PF

Affordibility

Node	Required	Type	Max Length	Notes
NetMonthlyIncome	Mandatory	Decimal		This is the applicant’s individual net monthly income.
SpousePartnerNetMonthyI ncome	Mandatory	Decimal		This is the applicant’s spouse or partner’s individual net monthly income. If it is not applicable enter 0.00
MonthlyMortgageRentRep ayment	Mandatory	Decimal		This is the applicant’s monthly mortgage or rent payment. If it is not applicable enter 0.00
MaritalStatus	Mandatory	String	35	This is the applicant’s marital status. See MaritalStatus in Option Values

ResidentialStatus	Mandatory	String	35	This is the applicant’s residential status. See ResidentialStatus in Option Values
NumberOfDependants	Mandatory	Integer		This is the applicant’s number of dependants.

midTermAdjustmentResponseType

Node	Required	Type	Max Length	Notes
Decision	Mandatory	Enum		This is the application decision. See Decision in Option Values
ReponseStatus	Mandatory	Enum		This is the status of a response. See ReponseStatus in Option Values