Policies

The policy you issue on an approved application. Sorplos keeps its own policy number and yours side by side; yours is never reformatted.

Endpoint	What it does
POST/applications/{id}/policy	Confirm a policy
GET/policies	List policies
GET/policies/{policy_number}	Retrieve a policy
POST/policies/{policy_number}/corrections	Correct a policy
POST/policies/{policy_number}/cancel	Cancel a policy

Confirm a policy

POST/applications/{id}/policy

Issue the policy for an approved application. It becomes active, or scheduled if the start date is in the future, and the customer receives the documents. If the confirmed premium differs from what the customer paid, the policy is held for Sorplos review instead of going live.

Body

Field	Type	Description
insurer_policy_numberrequired	string	Your policy number, stored exactly as sent (max 64 characters).
start_daterequired	date	YYYY-MM-DD.
expiry_daterequired	date	YYYY-MM-DD.
premium_confirmedrequired	number	The premium you are charging, in naira, including taxes.
policy_document_urlrequired	string	HTTPS link to the policy PDF, valid for at least 24 hours. Sorplos copies it.
regulatory_refs	object	References a regulator requires, e.g. { "niid": "…" } for motor.

Sends policy.issued to your webhooks.

Request

curl -X POST https://api-dev.sorplos.com/v1/partner-api/applications/SPL-APP-2026-045/policy \
  -H "Authorization: Bearer sk_test_..." \
  -H "Idempotency-Key: 5f0c2a8e-7d1b-4c3e-9a64-1b2d3e4f5a6b" \
  -H "Content-Type: application/json" \
  -d '{
  "insurer_policy_number": "LWY/MTR/2026/004512",
  "start_date": "2026-10-01",
  "expiry_date": "2027-09-30",
  "premium_confirmed": 376300,
  "policy_document_url": "https://files.leadway.example/policies/004512.pdf?sig=…",
  "regulatory_refs": {
    "niid": "NIID-8847321"
  }
}'

Response

{
  "policy_number": "SPL-POL-2026-128",
  "insurer_policy_number": "LWY/MTR/2026/004512",
  "application_id": "SPL-APP-2026-045",
  "status": "scheduled",
  "version": 1,
  "product": {
    "sorplos_code": "MOTOR-COMP",
    "provider_product_id": "PROV-MTR-001",
    "name": "Comprehensive Motor",
    "category": "motor"
  },
  "customer": {
    "full_name": "Chidi Okonkwo"
  },
  "premium_paid": 376300,
  "start_date": "2026-10-01",
  "expiry_date": "2027-09-30",
  "claims_track": "managed",
  "regulatory_refs": {
    "niid": "NIID-8847321"
  },
  "issued_at": "2026-09-14T11:40:00Z"
}

List policies

GET/policies

Policies issued with your company.

Query parameters

Field	Type	Description
status	string	scheduled \| active \| expired \| cancelled \| manual_review
page	integer	Page number, starting at 1.
per_page	integer	Items per page, 1–200. Defaults to 50.
updated_since	timestamp	Only records changed at or after this ISO-8601 time — use it to sync incrementally.

Request

curl -X GET https://api-dev.sorplos.com/v1/partner-api/policies?status=active \
  -H "Authorization: Bearer sk_test_..."

Response

{
  "data": [
    {
      "policy_number": "SPL-POL-2026-128",
      "insurer_policy_number": "LWY/MTR/2026/004512",
      "application_id": "SPL-APP-2026-045",
      "status": "active",
      "version": 1,
      "product": {
        "sorplos_code": "MOTOR-COMP",
        "provider_product_id": "PROV-MTR-001",
        "name": "Comprehensive Motor",
        "category": "motor"
      },
      "customer": {
        "full_name": "Chidi Okonkwo"
      },
      "premium_paid": 376300,
      "start_date": "2026-10-01",
      "expiry_date": "2027-09-30",
      "claims_track": "managed",
      "regulatory_refs": {
        "niid": "NIID-8847321"
      },
      "issued_at": "2026-09-14T11:40:00Z"
    }
  ],
  "meta": {
    "page": 1,
    "per_page": 50,
    "total": 1
  }
}

Retrieve a policy

GET/policies/{policy_number}

Look a policy up by its Sorplos policy number.

Request

curl -X GET https://api-dev.sorplos.com/v1/partner-api/policies/SPL-POL-2026-128 \
  -H "Authorization: Bearer sk_test_..."

Response

{
  "policy_number": "SPL-POL-2026-128",
  "insurer_policy_number": "LWY/MTR/2026/004512",
  "application_id": "SPL-APP-2026-045",
  "status": "scheduled",
  "version": 1,
  "product": {
    "sorplos_code": "MOTOR-COMP",
    "provider_product_id": "PROV-MTR-001",
    "name": "Comprehensive Motor",
    "category": "motor"
  },
  "customer": {
    "full_name": "Chidi Okonkwo"
  },
  "premium_paid": 376300,
  "start_date": "2026-10-01",
  "expiry_date": "2027-09-30",
  "claims_track": "managed",
  "regulatory_refs": {
    "niid": "NIID-8847321"
  },
  "issued_at": "2026-09-14T11:40:00Z"
}

Correct a policy

POST/policies/{policy_number}/corrections

Change a confirmed policy — a corrected number, date or document. Nothing is overwritten: each correction creates a new version, and the history is kept.

Body

Field	Type	Description
changesrequired	object	Any of insurer_policy_number, start_date, expiry_date, policy_document_url.
reasonrequired	string	Why the policy changed.

Sends policy.corrected to your webhooks.

Request

curl -X POST https://api-dev.sorplos.com/v1/partner-api/policies/SPL-POL-2026-128/corrections \
  -H "Authorization: Bearer sk_test_..." \
  -H "Idempotency-Key: 5f0c2a8e-7d1b-4c3e-9a64-1b2d3e4f5a6b" \
  -H "Content-Type: application/json" \
  -d '{
  "changes": {
    "expiry_date": "2027-10-01"
  },
  "reason": "Expiry date keyed one day early."
}'

Response

{
  "policy_number": "SPL-POL-2026-128",
  "insurer_policy_number": "LWY/MTR/2026/004512",
  "application_id": "SPL-APP-2026-045",
  "status": "scheduled",
  "version": 2,
  "product": {
    "sorplos_code": "MOTOR-COMP",
    "provider_product_id": "PROV-MTR-001",
    "name": "Comprehensive Motor",
    "category": "motor"
  },
  "customer": {
    "full_name": "Chidi Okonkwo"
  },
  "premium_paid": 376300,
  "start_date": "2026-10-01",
  "expiry_date": "2027-10-01",
  "claims_track": "managed",
  "regulatory_refs": {
    "niid": "NIID-8847321"
  },
  "issued_at": "2026-09-14T11:40:00Z"
}

Cancel a policy

POST/policies/{policy_number}/cancel

Cancel a policy from a date, with any refund due to the customer.

Body

Field	Type	Description
effective_daterequired	date	YYYY-MM-DD.
reasonrequired	string	Why the policy was cancelled.
refund_amount	number	Naira refunded to the customer, if any.

Sends policy.cancelled to your webhooks.

Request

curl -X POST https://api-dev.sorplos.com/v1/partner-api/policies/SPL-POL-2026-128/cancel \
  -H "Authorization: Bearer sk_test_..." \
  -H "Idempotency-Key: 5f0c2a8e-7d1b-4c3e-9a64-1b2d3e4f5a6b" \
  -H "Content-Type: application/json" \
  -d '{
  "effective_date": "2027-03-01",
  "reason": "Vehicle sold.",
  "refund_amount": 125000
}'

Response

{
  "policy_number": "SPL-POL-2026-128",
  "insurer_policy_number": "LWY/MTR/2026/004512",
  "application_id": "SPL-APP-2026-045",
  "status": "cancelled",
  "version": 1,
  "product": {
    "sorplos_code": "MOTOR-COMP",
    "provider_product_id": "PROV-MTR-001",
    "name": "Comprehensive Motor",
    "category": "motor"
  },
  "customer": {
    "full_name": "Chidi Okonkwo"
  },
  "premium_paid": 376300,
  "start_date": "2026-10-01",
  "expiry_date": "2027-09-30",
  "claims_track": "managed",
  "regulatory_refs": {
    "niid": "NIID-8847321"
  },
  "issued_at": "2026-09-14T11:40:00Z"
}