Personal Lines

Subscription to the Polaris Personal Lines Standards provides you with access to the following suite of documentation:

Business Documentation Implementation Documentation

Business Principles


Household – Flood Re

Code Lists

POD Codelists

POD Codelist rules

Business Process Models & Requirements

Flood Re Specific Model

Personal Lines

Message Specifications

POD EDI Messages

XML and JSON Messages

Private Household

Private Motor Single Vehicle

Data Standards Specification


EDI Motor Renewal Specification

EDI Household – Flood Re Specification

Electronic Cover Notes


Private Car

Supporting Schema

Special Vehicle

Net Rating Specification


  • Business Principles and Business Process Models & Requirements
    Supporting full lifecycle (New Business, MTA/Cancellation, Renewals & Distribution Channel Differences)
  • Data Standards Specification
  • Code Lists (industry recognised)
  • EDI messaging
  • XML and JSON Messages
  • Electronic Cover Notes
  • Net Rating Specification
  • Best Practice Guides
  • Project Reports and Recommendations which could be based on regulatory changes and industry initiatives
  • Technical specification and user guides

The EDI message definitions are published in the  Polaris Online Database (POD), which also includes the industry standard code lists. We have also recently published XML and JSON message standards that can be downloaded from our website. The Standards are provided on an annual subscription basis – if you are interested in subscribing to POD, please contact us.

The business transactions supported by the Personal Lines Standards are:
  • Audit messages
  • Claims notification & progress
  • Cover note issue notifications
  • Engineers’ fee invoices (motor engineer to insurer)
  • Engineers’ reports (motor engineer to insurer)
  • Mid-term adjustments
  • New business (*)
  • Policy status changes
  • Premium finance instructions (broker to finance provider)
  • Premium reconciliations
  • Renewals e.g. invitation, pre-renewal query, alteration of terms
  • Vehicle inspection requests (insurer to motor engineer)

*The personal lines Standards are published in EDI and XML formats. EDI messages are used primarily by brokers to place business with an insurer (they do not support quotations, which have traditionally been handled by broker system providers). The more recently published XML and JSON versions support both quotation and placement.