United Nations Directories  for Electronic Data Interchange for
Administration, Commerce and Transport



UN/EDIFACT






                                           Message Type : IPPOMO
                                           Version      : D
                                           Release      : 01C
                                           Contr. Agency: UN

                                           Revision     : 1
                                           Date         : 2001-11-07






SOURCE: D9 Insurance (SWG)



                               CONTENTS

                    Motor insurance policy message

0.     INTRODUCTION

1.     SCOPE

       1.1   Functional definition

       1.2   Field of application

       1.3   Principles

2.     REFERENCES

3.     TERMS AND DEFINITIONS

       3.1   Standard terms and definitions

4.     MESSAGE DEFINITION

       4.1   Segment clarification

       4.2   Segment index (alphabetical sequence by tag)

       4.3   Message structure
             4.3.1 Segment table













----------------------------------------------------------------------
For general information on UN standard message types see UN Trade Data
Interchange Directory, UNTDID, Part 4, Section 2.3, UN/ECE UNSM
General Introduction
----------------------------------------------------------------------



0.     INTRODUCTION

       This specification provides the definition of the Motor
       insurance policy message (IPPOMO) to be used in Electronic Data
       Interchange (EDI) between trading partners involved in
       administration, commerce and transport.

1.     SCOPE

1.1    Functional definition

       A motor insurance policy message is exchanged between insurers,
       intermediaries and clients to transfer details related to the
       proposal, confirmation, adjustment and renewal of a motor
       policy.

1.2    Field of application

       The Motor insurance policy message may be used for both
       national and international applications. It is based on
       universal practice related to administration, commerce and
       transport, and is not dependent on the type of business or
       industry.

1.3    Principles

       The IPPOMO message describes a single policy allowing for
       multiple risks. It covers all classes of business pertaining to
       motor insurance, private or commercial.

2.     REFERENCES

       See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General
       Introduction, Section 1.

3.     TERMS AND DEFINITIONS

3.1    Standard terms and definitions

       See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General
       Introduction, Section 2.

4.     MESSAGE DEFINITION

4.1    Segment clarification

       This section should be read in conjunction with the segment
       table which indicates mandatory, conditional and repeating
       requirements.

0010   UNH, Message header
       A service segment starting and uniquely identifying a message.
       The message type code for the Motor insurance policy message is
       IPPOMO.

       Note: Motor insurance policy messages conforming to this
       document must contain the following data in segment UNH,
       composite S009:

       Data element  0065 IPPOMO
                     0052 D
                     0054 01C
                     0051 UN

0020   BGM, Beginning of message
       To specify the type of transaction contained within the
       message.

0030 X GIS, General indicator
       To indicate whether the transaction should be processed as a
       temporary or permanent change to the policy.

0040   ATT, Attribute
       To provide coded attributes that describe the type of business
       transaction, such as 'Quotation Type'.

0050   CTA, Contact information
       To provide contact information for a party who provided
       authorisation for the business transaction.

0060   RFF, Reference
       To provide references for the transaction, such as 'Quote
       Authorisation Reference', 'Broker Transaction Reference',
       'Insurer Transaction Reference' etc.

0070   QTY, Quantity
       To identify the total number of transactions in a set of
       related transactions for one risk or policy.

0080   SEQ, Sequence details
       To identify the sequence number of this transaction in a set of
       transactions for one risk or policy.

0090   DTM, Date/time/period
       To provide dates for the transaction, such as 'Response Date',
       'Transaction Date', 'Transaction Expiry Date'.


0100   Segment group 1:  PNA-QRS-SG2
       A group of segments to identify the software which created the
       business transaction contained within this message.

0110      PNA, Party identification
          To identify a software supplier that provided software used
          in the creation of the business transaction as well as the
          transaction originator and addressee.

0120      QRS, Query and response
          To provide declarations about the software supplier, such as
          accreditation.


0130      Segment group 2:  RFF-DTM
          A group of segments that provide details of one particular
          software component or product.

0140         RFF, Reference
             Contains a reference to identify a software component or
             product.

0150         DTM, Date/time/period
             To specify dates for the software component, such as
             'Date Installed' and 'Date Effective'.


0160   Segment group 3:  ICD-RFF-DTM-ATT-PCD-MOA-QRS-QTY-FTX-SG4
       A group of segments to identify and specify the policy package
       and product.

0170      ICD, Insurance cover description
          Identifies an insurance package, product or scheme.

0180      RFF, Reference
          To specify identification numbers for the policy, such as
          'Broker Risk Reference' and 'Insurer's Policy Number'.

0190      DTM, Date/time/period
          Contains dates relating to the insurance policy, such as
          'Inception Date', 'Expiry Date', 'Renewal Date'.

0200      ATT, Attribute
          Contains coded attributes relating to the policy, such as
          'Policy Accounting Type', 'Policy Status', 'Cancellation
          Reason'.

0210      PCD, Percentage details
          To specify percentages relating to the policy, such as
          'Brokerage Percent', 'Percentage of Co-insurance'.

0220      MOA, Monetary amount
          To specify monetary values relating to the policy, such as
          'Maximum Value At Any One Location', 'Commission Amount'.

0230      QRS, Query and response
          To specify declarations for the policy, such as 'Is the
          policy renewable?', 'Is the broker the holding broker?'.

0240      QTY, Quantity
          To specify quantities relating to the policy, such as
          'Number Of Drivers Covered', 'Maximum Number Of Vehicles At
          Any One Location'.

0250      FTX, Free text
          To specify policy endorsements and to convey text variables
          with which to complete the endorsement text; and to provide
          text descriptions.


0260      Segment group 4:  DOC-ATT-FTX-SG5
          A group giving details of documents that have been provided
          in addition to the message to support the business
          transaction; or requests for such documents.

0270         DOC, Document/message details
             Provides details of a document needed to support the
             business transaction.

0280         ATT, Attribute
             To provide coded attributes that relate to the document,
             such as whether the document is open or closed.

0290         FTX, Free text
             To provide a text description of the document.


0300         Segment group 5:  PCC-GIS-MOA-PCD-QTY-DTM-FTX-SG6
             To indicate premiums and excesses that apply at policy
             level.

0310            PCC, Premium calculation component details
                To identify one premium or component that applies to
                the policy, such as 'Gross Premium', 'Policy Excess'.

0320 X          GIS, General indicator
                Provides a coded indication of how the premium
                component group is to be processed, such as 'Added',
                'Deleted', 'Replaced'.

0330            MOA, Monetary amount
                Contains monetary values associated with the premium
                component, such as 'Gross Premium', 'Base Premium',
                'Loading or Discount Amount'.

0340            PCD, Percentage details
                Contains percentages associated with the premium
                component, such as 'Loading or Discount Percentage'.

0350            QTY, Quantity
                Contains quantities associated with the premium
                component, such as 'Loading or Discount Points'.

0360            DTM, Date/time/period
                Contains dates associated with the premium component,
                such as 'Review Date'.

0370            FTX, Free text
                To specify policy endorsements and to convey text
                variables with which to complete the endorsement text.


0380            Segment group 6:  ATT-PCD-MOA-FTX
                To specify excesses that apply to the policy.

0390               ATT, Attribute
                   To identify the type of excess, such as
                   'Compulsory', 'Voluntary'.

0400               PCD, Percentage details
                   To specify the amount of excess as a percentage.

0410               MOA, Monetary amount
                   Contains monetary values associated with the
                   excess, such as 'Excess Amount', 'Maximum Excess
                   Amount', 'Minimum Excess Amount'.

0420               FTX, Free text
                   To describe the reason for the excess.


0430   Segment group 7:  PNA-GIS-ATT-PCD-RFF-EMP-DTM-MEM-QTY-REL-LOC-
                         QRS-FTX-SG8-SG9-SG10-SG12
       To provide information relating to the parties involved in the
       insurance policy.

0440      PNA, Party identification
          To provide the name details of one party related to the
          policy, such as 'Insurer', 'Broker', 'Insured' and 'Driver'.

0450 X    GIS, General indicator
          Contains a coded indication of how the party is to be
          processed if the message is being used to update a policy,
          such as 'Added', 'Deleted' or 'Changed'.

0460      ATT, Attribute
          To specify coded attributes for the party, such as 'Gender',
          'Marital Status', 'Legal Status', 'VAT Status'.

0470      PCD, Percentage details
          To specify the percentage of liability for Value Added Tax
          (VAT or TVA).

0480      RFF, Reference
          To specify references associated with the party, such as
          'VAT registration number', 'SIRENE code'.

0490      EMP, Employment details
          To specify occupations or trades for the party.

0500      DTM, Date/time/period
          Contains dates associated with the party, such as 'Birth
          date', 'Date of national residency', 'Registered disabled
          date'.

0510      MEM, Membership details
          To specify details of professional bodies to which the party
          belongs, such as motoring organisations.

0520      QTY, Quantity
          Contains quantities associated with the party, such as
          'Number of children', 'Number of vehicles owned', 'Number of
          vehicles accessible'.

0530      REL, Relationship
          To specify the relationship of the party to the proposer.

0540      LOC, Place/location identification
          To specify the place of birth of the party.

0550      QRS, Query and response
          Contains declarations made by the party, such as 'Any
          convictions?', 'Any claims?', 'Any disabilities?'.

0560      FTX, Free text
          To provide a text description where any of the party's coded
          attributes indicate that text will be provided.


0570      Segment group 8:  ADR-DTM
          To provide addresses for the party and associated dates.

0580         ADR, Address
             To specify details of one address for the party.

0590         DTM, Date/time/period
             Contains the date that the party was established at the
             address.


0600      Segment group 9:  CTA-COM
          Contains details of contacts for the party.

0610         CTA, Contact information
             To identify one contact for a party.

0620         COM, Communication contact
             To provide details of communication numbers for a
             contact.


0630      Segment group 10: EVT-GIS-QRS-RFF-ATT-ICD-MOA-DTM-QTY-PCD-
                            FTX-SG11
          A group of segments that provides details of historical
          events related to the party, such as claims and convictions.

0640 X       EVT, Event
             To identify one event that has relevance to a party's
             insurance history.

0650 X       GIS, General indicator
             Contains a coded indication of how the historical event
             is to be processed if the message is being used to update
             a policy, such as 'Added', 'Deleted' or 'Changed'.

0660         QRS, Query and response
             Contains declarations about the historical event, such as
             'Claim made for loss?' and 'Was no claims bonus
             affected?'.

0670         RFF, Reference
             Contains references related to the historical event, such
             as 'Claim number', 'Broker loss reference'.

0680         ATT, Attribute
             Contains coded attributes related to the historical
             event, such as 'Cause Code', 'Consequence Code'.

0690         ICD, Insurance cover description
             To specify the cover that applied at the time of the
             historical event.

0700         MOA, Monetary amount
             To provide details of monetary amounts relating to the
             historical event, such as 'Claim Amount', 'Fine Amount'.

0710         DTM, Date/time/period
             To specify dates related to the historical event, such as
             'Loss Date', 'Conviction Date'.

0720         QTY, Quantity
             To specify quantities related to the historical event,
             such as 'Conviction Penalty Points', 'Total Licence
             Penalty Points'.

0730         PCD, Percentage details
             To provide percentages related to the historical event,
             such as 'Percentage of Responsibility', 'Percentage of
             Disability'.

0740         FTX, Free text
             To provide text descriptions relating to the historical
             event.


0750         Segment group 11: PNA-ADR-RFF-CTA-COM
             A group giving details of the insurer and broker for the
             party's historical claim.

0760            PNA, Party identification
                To identify one party that played a role in a
                historical claim, such as insurer and broker.

0770            ADR, Address
                To provide an address for a party related to the
                historical claim.

0780            RFF, Reference
                To provide references for the party and the historical
                claim.

0790            CTA, Contact information
                To specify a contact at the party who handles the
                historical claim.

0800            COM, Communication contact
                To provide communication numbers for the historical
                claim party.


0810      Segment group 12: DOC-DTM-ATT-LOC-FTX
          To provide details of licences held by a party.

0820         DOC, Document/message details
             To identify one licence held by a party.

0830         DTM, Date/time/period
             Contains dates related to the licence, such as 'Issue
             Date', 'Expiry Date'.

0840         ATT, Attribute
             To specify coded restrictions that apply to a licence.

0850         LOC, Place/location identification
             To indicate the location of the authority that issued the
             licence.

0860         FTX, Free text
             To provide a text description of the licence.


0870   Segment group 13: PAT-DTM-ATT-FII-RFF-PCD-SG14-SG15
       To provide details of total premiums and total amounts to be
       paid.

0880 X    PAT, Payment terms basis
          To specify one payment plan.

0890      DTM, Date/time/period
          Contains dates related to the payment plan, such as
          'Instalment Start Date', 'Instalment Payment day-of-month'.

0900      ATT, Attribute
          Contains coded attributes related to the payment, such as
          'Payment method', 'Collection Responsibility'.

0910      FII, Financial institution information
          To identify the financial account from which payment is
          being made.

0920      RFF, Reference
          Contains references related to the payment plan, such as
          'Instalment Agreement Number'.

0930      PCD, Percentage details
          To specify percentages related to the payment, such as
          'Interest Rate', 'Early Payment Discount'.


0940      Segment group 14: PNA-ADR
          To identify parties involved in the payment.

0950         PNA, Party identification
             Identifies one party making payments.

0960         ADR, Address
             Contains the address of the party making payment, or the
             address of the payer's bank.


0970      Segment group 15: MOA-DTM-ATT-SG16
          Contains details of payments to be made under the payment
          plan.

0980         MOA, Monetary amount
             The monetary value of a payment.

0990         DTM, Date/time/period
             Contains the date or dates when the payment or
             instalments are due.

1000         ATT, Attribute
             Contains the payment method for a particular payment, if
             different from the main payment method for the payment
             plan, as may occur with the first payment.


1010         Segment group 16: TAX-MOA-LOC-PCD
             To provide details of additions and deductions (taxes) to
             the premium.

1020            TAX, Duty/tax/fee details
                To identify one premium tax, fee or commission.

1030            MOA, Monetary amount
                To provide monetary values for the premium addition or
                deduction as well as the base premium.

1040            LOC, Place/location identification
                To specify the location of the tax authority.

1050            PCD, Percentage details
                To specify the premium addition or deduction as a
                percentage.


1060   Segment group 17: ROD-GIS-RFF-DTM-ATT-QTY-MOA-MEA-ADR-PCD-QRS-
                         FTX-SG18-SG19-SG20-SG21-SG23
       To provide information relating to vehicles involved in the
       insurance contract and the insurance cover they have or are
       applying for.

1070      ROD, Risk object type
          To specify one vehicle or a category of vehicles (for
          fleets).

1080 X    GIS, General indicator
          Contains a coded indication of how the vehicle is to be
          processed if the message is being used to update a policy,
          such as 'Added', 'Deleted' or 'Changed'.

1090      RFF, Reference
          To specify reference numbers related to the vehicle, such as
          'Registration Number', 'VIN Number', 'Engine Number'.

1100      DTM, Date/time/period
          To specify dates related to the vehicle, such as 'First
          Registered Date', 'Date Purchased'.

1110      ATT, Attribute
          To specify coded attributes relating to the vehicle, such as
          'Fuel Type', 'Body Type', 'Owner Code', 'Colour Code'.

1120      QTY, Quantity
          To specify quantities related to the vehicle, such as
          'Number of Seats', 'Odometer Reading', 'Engine Power'.

1130      MOA, Monetary amount
          To specify monetary values relating to the vehicle, such as
          'Market Value', 'Paid Value', 'Agreed Value'.

1140      MEA, Measurements
          To specify measurements relating to the vehicle, such as
          'Maximum Movement Height and Depth'.

1150      ADR, Address
          To specify addresses or locations where the vehicle is
          garaged, kept and used.

1160      PCD, Percentage details
          To specify percentages relating to the vehicle, such as
          'Premium Rate per Vehicle'.

1170      QRS, Query and response
          To provide declarations about the vehicle, such as
          'Hazardous Goods Carried?', 'Vehicle Used For Transportation
          of Employees Only?'.

1180      FTX, Free text
          To provide additional textual information relating to the
          vehicle where it has been inadequately described by code.


1190      Segment group 18: PNA-GIS-ADR-FTX
          A group to provide information about parties that have an
          interest in the vehicle, such as owner, leasing company,
          keeper.

1200         PNA, Party identification
             To identify one party that has an interest in a vehicle.

1210 X       GIS, General indicator
             Coded indication of how the interested party should be
             processed if the message is being used to update a
             policy, such as 'Added', 'Deleted' or 'Changed'.

1220         ADR, Address
             To specify the address of the interested party.

1230         FTX, Free text
             Contains a description of the interest.


1240      Segment group 19: EQD-GIS-ATT-DTM-PNA-QRS-RFF-FTX
          A group to specify details of security devices fitted to the
          vehicle.

1250         EQD, Equipment details
             To identify one security device.

1260 X       GIS, General indicator
             Coded indication of how the security device is to be
             processed if the message is being used to update a
             policy, such as 'Added', 'Deleted' or 'Changed'.

1270         ATT, Attribute
             To specify coded attributes relating to the security
             device, such as 'Accreditation Code', 'Installer Status'.

1280         DTM, Date/time/period
             To specify the installation date.

1290         PNA, Party identification
             To identify parties that manufactured and installed the
             security device.

1300         QRS, Query and response
             To provide coded declarations relating to the security
             device, such as 'Security Device Certificate Seen by
             Broker?'.

1310         RFF, Reference
             To specify references relating to the security device,
             such 'Certificate Reference'.

1320         FTX, Free text
             To provide additional textual information about the
             security device.


1330      Segment group 20: DOC-ATT-DTM-PCD-FTX
          To provide details of insurance certificates and
          declarations.

1340         DOC, Document/message details
             To identify one type of insurance certificate or
             declaration.

1350         ATT, Attribute
             To specify the reason for issue of an insurance
             certificate or declaration.

1360         DTM, Date/time/period
             To specify start and end dates for the certificate and
             dates upon which the declaration must be made.

1370         PCD, Percentage details
             To specify a percentage for the certificate.

1380         FTX, Free text
             To provide textual information about the certificate or
             declaration.


1390      Segment group 21: EVT-GIS-QRS-RFF-ATT-ICD-MOA-DTM-QTY-PCD-
                            FTX-SG22
          A group that provides claims history for the vehicle.

1400 X       EVT, Event
             To identify one previous claim that has relevance to the
             vehicle's insurance cover.

1410 X       GIS, General indicator
             Contains a coded indication of how the claim group is to
             be processed if the message is being used to update a
             policy, such as 'Added', 'Deleted' or 'Changed'.

1420         QRS, Query and response
             Contains coded declarations about the previous claim,
             such as 'Claim made for loss?' and 'Was No Claims Bonus
             affected?'.

1430         RFF, Reference
             Contains references related to the vehicle's claim, such
             as 'Claim Number', 'Broker Loss Reference'.

1440         ATT, Attribute
             Contains coded attributes related to the vehicle's claim,
             such as 'Cause Code', 'Consequence Code'.

1450         ICD, Insurance cover description
             To specify the cover that applied to the vehicle at the
             time of the claim.

1460         MOA, Monetary amount
             To provide details of monetary amounts relating to the
             vehicle's claim, such as 'Loss Amount', 'Claim Amount'.

1470         DTM, Date/time/period
             To specify dates related to the vehicle's claim, such as
             'Incident date', 'Claim Paid Date'.

1480         QTY, Quantity
             To specify quantities related to the vehicle's claim.

1490         PCD, Percentage details
             To provide percentages related to the vehicle's claim,
             such as 'Percentage of Responsibility'.

1500         FTX, Free text
             To provide additional text description relating to the
             vehicle's claim.


1510         Segment group 22: PNA-ADR-RFF-CTA-COM
             A group giving details of the handling insurer and broker
             at the time of the previous claim.

1520            PNA, Party identification
                To identify one party that played a role in the
                vehicle's claim, such as insurer and broker.

1530            ADR, Address
                To provide an address for a party related to the
                previous claim.

1540            RFF, Reference
                To provide references for the party and the previous
                claim.

1550            CTA, Contact information
                To specify a contact at the party who handles the
                claim.

1560            COM, Communication contact
                To provide communication numbers for the previous
                claim party.


1570      Segment group 23: ICD-GIS-DTM-RFF-ATT-QRS-QTY-FTX-SG24-SG25-
                            SG26-SG30-SG31
          A group of segments used to proved details of cover that
          applies to the vehicle.

1580         ICD, Insurance cover description
             To identify one insurance cover that applies to a
             vehicle.

1590 X       GIS, General indicator
             Contains a coded indication of how this cover is to be
             processed if the message is being used to update a
             policy, such as 'Added', 'Deleted' or 'Changed'.

1600         DTM, Date/time/period
             To specify dates for the cover, such as 'Commencement
             Date', 'Expiry Date'.

1610         RFF, Reference
             To specify references for the cover, such as 'Cover
             Reference', 'Add-On Policy Number'.

1620         ATT, Attribute
             To specify coded attributes of the cover, such as 'Class
             of Use'.

1630         QRS, Query and response
             To specify coded declarations about the cover, such as
             'Foreign Use Included?', 'Cover Excluded?'.

1640         QTY, Quantity
             To specify limits of cover by quantity, such as 'Number
             Of Seats', 'Maximum Number Of Drivers'.

1650         FTX, Free text
             To provide descriptions and wordings for the cover.


1660         Segment group 24: MOA-PCD-LOC
             To provide monetary values related to the insurance
             cover, such as premium, commission, tax.

1670            MOA, Monetary amount
                To identify and specify one monetary value related to
                the insurance cover.

1680            PCD, Percentage details
                To specify the percentage related to the previous MOA
                segment if it was used to indicate commission or tax.

1690            LOC, Place/location identification
                To indicate the country in which tax is payable.


1700         Segment group 25: ROD-GIS-MOA
             A group of segments used to indicate additional or add-on
             risks to the standard cover, such as personal belongings
             and in-car entertainment.

1710            ROD, Risk object type
                To identify one additional or add-on risk.

1720 X          GIS, General indicator
                Contains a coded indication of how this additional
                risk is to be processed if the message is being used
                to update a policy, such as 'Added', 'Deleted' or
                'Changed'.

1730            MOA, Monetary amount
                To specify monetary values relating to the additional
                risk, such as 'Value', 'Sum Insured'.


1740         Segment group 26: COD-GIS-SG27
             A group that contains the premium calculation components
             that are used to derive the premium for the cover.

1750            COD, Component details
                To identify a set of premium calculation components.

1760 X          GIS, General indicator
                Contains a coded indication of how the set of premium
                calculation components should be processed, such as
                'Replace Set', 'Add Set' or 'Delete Set'.


1770            Segment group 27: PCC-GIS-MOA-PCD-QRS-QTY-DTM-FTX-
                                  SG28-SG29
                A group of segments to describe how the premium for
                the cover was derived and conditions that relate to
                it. It is used for the base premium and all other
                premium components, such as additions, deductions,
                loadings and discounts.

1780               PCC, Premium calculation component details
                   To identify one premium calculation component.

1790 X             GIS, General indicator
                   A coded indication of how the premium calculation
                   component is to be processed.

1800               MOA, Monetary amount
                   To specify monetary values related to the premium
                   component, such as 'Base Premium', 'Premium
                   Component Value'.

1810               PCD, Percentage details
                   To specify a premium component as a percentage.

1820               QRS, Query and response
                   To specify declarations about the premium component
                   when it is a condition or endorsement, such as 'Has
                   Condition Been Met?', 'Brokers Wording Used?'.

1830               QTY, Quantity
                   To specify the premium components as a number of
                   units.

1840               DTM, Date/time/period
                   To specify dates related to the premium component
                   or condition, such as start and end date.

1850               FTX, Free text
                   To specify endorsements to the cover and to convey
                   text variables with which to complete the
                   endorsement text.


1860               Segment group 28: PNA-ICD
                   A group that provides details of non-standard or
                   amended cover for drivers.

1870                  PNA, Party identification
                      To identify one driver for which amended cover
                      applies.

1880                  ICD, Insurance cover description
                      To specify details of the amended cover for the
                      driver identified by the previous PNA segment.


1890               Segment group 29: ATT-PCD-MOA-FTX
                   To specify excesses that apply to the cover for a
                   vehicle.

1900                  ATT, Attribute
                      To identify one type of excess.

1910                  PCD, Percentage details
                      Contains details of the excess when expressed as
                      a percentage.

1920                  MOA, Monetary amount
                      Contains monetary amounts related to the excess,
                      such as 'Excess Value', 'Minimum Excess Amount',
                      'Maximum Excess Amount'.

1930                  FTX, Free text
                      To provide free format or coded text for the
                      excess.


1940         Segment group 30: PNA-GIS-RFF-DTM-MOA-PCD-QTY-QRS-REL
             A group that provides information about additional
             insurers for a cover, assistance companies, passengers
             named under personal accident insurance and previous
             insurers for this cover.

1950            PNA, Party identification
                To identify one party associated with the cover.

1960 X          GIS, General indicator
                Contains a coded indication of how the party
                associated with the cover is to be processed if the
                message is being used to update a policy, such as
                'Added', 'Deleted' or 'Changed'.

1970            RFF, Reference
                To specify references related to the party, such as
                'Policy Number', 'Assistance Contract Number',
                'Previous Policy Number'.

1980            DTM, Date/time/period
                To specify dates related to the party associated to
                the cover, such as 'Start Date', 'End Date'.

1990            MOA, Monetary amount
                To specify monetary values related to the party
                associated with the cover, such as 'Premium Amount',
                'Cover Limit'.

2000            PCD, Percentage details
                To specify percentages related to the party associated
                with the cover, such as 'Percentage of Driving Time'.

2010            QTY, Quantity
                To specify quantities related to the party associated
                with the cover, such as 'Number of Previous Claims'.

2020            QRS, Query and response
                To specify declarations about the party associated
                with the cover, such as 'Party is main Driver under
                this cover?', 'Party Is Excluded from this cover?'.

2030            REL, Relationship
                To specify the relationship that this party has with
                the proposer.


2040         Segment group 31: EVT-GIS-ATT-DTM-MOA-PCD-QRS-QTY-RFF-
                               PCC-LOC-FTX-SG32
             A group that provides the history details for claims
             against one insurance cover.

2050 X          EVT, Event
                To identify one claim that has been made against the
                insurance cover.

2060 X          GIS, General indicator
                Contains a coded indication of how the claim is to be
                processed if the message is being used to update a
                policy, such as 'Added', 'Deleted' or 'Changed'.

2070            ATT, Attribute
                Contains coded attributed relating to the claim, such
                as 'Cause Code', 'Consequence Code'.

2080            DTM, Date/time/period
                To specify dates related to the date, such as
                'Incident Date', 'Claim Date'.

2090            MOA, Monetary amount
                To specify monetary amounts relating to the claim,
                such as 'Claim Value', 'Amount Paid'.

2100            PCD, Percentage details
                To specify percentages related to the claim, such as
                'Percentage of Responsibility'.

2110            QRS, Query and response
                To specify declarations about the claim, such as
                'Bonus/Malus Affected?', 'Claim Fully Settled?'.

2120            QTY, Quantity
                To specify quantities relating to the claim.

2130            RFF, Reference
                To provide references relating to the claim, such as
                'Claim Number'.

2140            PCC, Premium calculation component details
                To specify premium components that this claim gave
                rise to.

2150            LOC, Place/location identification
                To specify the location of the incident.

2160            FTX, Free text
                To provide additional text information about the
                claim.


2170            Segment group 32: PNA-ADR-RFF-CTA-COM
                To provide information about the holding insurer and
                broker at the time of the claim.

2180               PNA, Party identification
                   To identify one party for the claim, such as broker
                   and insurer.

2190               ADR, Address
                   To provide the address for the party associated
                   with the claim.

2200               RFF, Reference
                   To specify references for the party and the claim.

2210               CTA, Contact information
                   To specify a contact at the party who handles the
                   claim.

2220               COM, Communication contact
                   To provide communication numbers for the claim
                   party.

2230   UNS, Section control
       A mandatory service segment placed before the first user
       segment in the detail section to avoid segment collision.


2240   Segment group 33: DTM-RFF-QRS-FTX-SG34-SG35-SG37
       A group that provides details of previous fleet claims
       experience. This section is only used for commercial fleet
       insurance.

2250      DTM, Date/time/period
          To specify the duration of one period of fleet experience.

2260      RFF, Reference
          To specify references related to the fleet experience, such
          as 'Insurer's Policy Number', 'Broker's Risk Reference'.

2270      QRS, Query and response
          To specify declarations for the fleet experience, such as
          'Is claims history confirmed?', 'Is foreign use included?'.

2280      FTX, Free text
          To provide text details of why the claims history is
          unconfirmed (if appropriate).


2290      Segment group 34: PNA-ADR-CTA-COM
          To provide details for the holding insurer and broker at the
          time of the fleet experience.

2300         PNA, Party identification
             To identify one party relating to the fleet experience,
             such as insurer and broker.

2310         ADR, Address
             To provide address details for the party.

2320         CTA, Contact information
             To provide a contact name for the party that handles the
             fleet experience.

2330         COM, Communication contact
             To provide communication numbers for the party.


2340      Segment group 35: GIS-DTM-QTY-MOA-SG36
          A group that provides a breakdown of figures for the fleet
          experience.

2350 X       GIS, General indicator
             Coded indication of whether the breakdown figures should
             be processed as being the same as at the date of the
             previous fleet experience or as being updated.

2360         DTM, Date/time/period
             To specify dates relating to the fleet experience, such
             as 'Calculated To Date', 'Event Date of Last Claim
             Included'.

2370         QTY, Quantity
             To specify quantities relating to the fleet experience,
             such as 'Total Claims Reported', 'Claims Reported
             Outstanding Number'.

2380         MOA, Monetary amount
             To specify monetary amounts relating to the fleet
             experience, such as 'Claims Paid and Outstanding Cost',
             'Claims Outstanding Cost'.


2390         Segment group 36: ICD-ATT-MOA-QTY-FTX
             To provide a breakdown by cover for the fleet experience
             figures.

2400            ICD, Insurance cover description
                To identify one type of insurance cover.

2410            ATT, Attribute
                To specify coded attributes relating to the fleet
                experience cover breakdown, such as 'Type of Excess
                Applying', 'Excess Application Code'.

2420            MOA, Monetary amount
                To specify monetary amounts relating to the cover
                breakdown, such as 'Excess Value', 'Claims Cost Paid'.

2430            QTY, Quantity
                To specify quantities relating to the cover breakdown,
                such as 'Number of Claims', 'Number of Claims
                Outstanding'.

2440            FTX, Free text
                To provide additional description of the cover.


2450      Segment group 37: EVT-GIS-ATT-DTM-ICD-MOA-RFF-QRS-FTX
          To specify individual claim details that occurred during the
          fleet experience.

2460 X       EVT, Event
             To identify one claim.

2470 X       GIS, General indicator
             Coded indication of how this claim is to be processed if
             the message is being used to update a policy.

2480         ATT, Attribute
             Coded attributes relating to the claim, such as 'Cause
             Code', 'Consequence Code'.

2490         DTM, Date/time/period
             To specify dates relating to the claim, such as 'Incident
             Date', 'Claim Date'.

2500         ICD, Insurance cover description
             To specify the cover against which this claim was made.

2510         MOA, Monetary amount
             To specify monetary amounts relating to the claim, such
             as 'Claim Value', 'Paid Amount'.

2520         RFF, Reference
             To specify references for the claim, such as 'Insurer
             Claim Number', 'Broker Claim Reference'.

2530         QRS, Query and response
             To specify declarations about the claim, such as
             'Bonus/Malus Affected?'.

2540         FTX, Free text
             To provide additional text details about the claim.

2550   UNT, Message trailer
       A service segment ending a message, giving the total number of
       segments in the message (including the UNH & UNT) and the
       control reference number of the message.

4.2    Segment index (alphabetical sequence by tag)

          ADR Address
          ATT Attribute
          BGM Beginning of message
          COD Component details
          COM Communication contact
          CTA Contact information
          DOC Document/message details
          DTM Date/time/period
          EMP Employment details
          EQD Equipment details
       X  EVT Event
          FII Financial institution information
          FTX Free text
       X  GIS General indicator
          ICD Insurance cover description
          LOC Place/location identification
          MEA Measurements
          MEM Membership details
          MOA Monetary amount
       X  PAT Payment terms basis
          PCC Premium calculation component details
          PCD Percentage details
          PNA Party identification
          QRS Query and response
          QTY Quantity
          REL Relationship
          RFF Reference
          ROD Risk object type
          SEQ Sequence details
          TAX Duty/tax/fee details
          UNH Message header
          UNS Section control
          UNT Message trailer

4.3 Message structure 4.3.1 Segment table Pos Tag Name S R 0010 UNH Message header M 1 0020 BGM Beginning of message M 1 0030 X GIS General indicator C 1 0040 ATT Attribute C 9 0050 CTA Contact information C 1 0060 RFF Reference C 99 0070 QTY Quantity C 1 0080 SEQ Sequence details C 1 0090 DTM Date/time/period C 9 0100 ----- Segment group 1 ------------------ C 9-----------+ 0110 PNA Party identification M 1 | 0120 QRS Query and response C 9 | | 0130 ----- Segment group 2 ------------------ C 9----------+| 0140 RFF Reference M 1 || 0150 DTM Date/time/period C 9----------++ 0160 ----- Segment group 3 ------------------ M 9-----------+ 0170 ICD Insurance cover description M 1 | 0180 RFF Reference C 9 | 0190 DTM Date/time/period C 99 | 0200 ATT Attribute C 9 | 0210 PCD Percentage details C 9 | 0220 MOA Monetary amount C 9 | 0230 QRS Query and response C 99 | 0240 QTY Quantity C 9 | 0250 FTX Free text C 99 | | 0260 ----- Segment group 4 ------------------ C 99---------+| 0270 DOC Document/message details M 1 || 0280 ATT Attribute C 9 || 0290 FTX Free text C 1 || || 0300 ----- Segment group 5 ------------------ C 99--------+|| 0310 PCC Premium calculation component details M 1 ||| 0320 X GIS General indicator C 1 ||| 0330 MOA Monetary amount C 9 ||| 0340 PCD Percentage details C 9 ||| 0350 QTY Quantity C 9 ||| 0360 DTM Date/time/period C 9 ||| 0370 FTX Free text C 99 ||| ||| 0380 ----- Segment group 6 ------------------ C 9--------+||| 0390 ATT Attribute M 1 |||| 0400 PCD Percentage details C 1 |||| 0410 MOA Monetary amount C 9 |||| 0420 FTX Free text C 9--------++++ 0430 ----- Segment group 7 ------------------ M 999---------+ 0440 PNA Party identification M 1 | 0450 X GIS General indicator C 1 | 0460 ATT Attribute C 9 | 0470 PCD Percentage details C 1 | 0480 RFF Reference C 9 | 0490 EMP Employment details C 99 | 0500 DTM Date/time/period C 9 | 0510 MEM Membership details C 9 | 0520 QTY Quantity C 9 | 0530 REL Relationship C 1 | 0540 LOC Place/location identification C 1 | 0550 QRS Query and response C 99 | 0560 FTX Free text C 99 | | 0570 ----- Segment group 8 ------------------ C 9----------+| 0580 ADR Address M 1 || 0590 DTM Date/time/period C 1----------+| | 0600 ----- Segment group 9 ------------------ C 9----------+| 0610 CTA Contact information M 1 || 0620 COM Communication contact C 9----------+| | 0630 ----- Segment group 10 ------------------ C 99---------+| 0640 X EVT Event M 1 || 0650 X GIS General indicator C 1 || 0660 QRS Query and response C 9 || 0670 RFF Reference C 9 || 0680 ATT Attribute C 9 || 0690 ICD Insurance cover description C 9 || 0700 MOA Monetary amount C 9 || 0710 DTM Date/time/period C 9 || 0720 QTY Quantity C 9 || 0730 PCD Percentage details C 9 || 0740 FTX Free text C 99 || || 0750 ----- Segment group 11 ------------------ C 9---------+|| 0760 PNA Party identification M 1 ||| 0770 ADR Address C 1 ||| 0780 RFF Reference C 9 ||| 0790 CTA Contact information C 1 ||| 0800 COM Communication contact C 9---------++| | 0810 ----- Segment group 12 ------------------ M 9----------+| 0820 DOC Document/message details M 1 || 0830 DTM Date/time/period C 9 || 0840 ATT Attribute C 9 || 0850 LOC Place/location identification C 1 || 0860 FTX Free text C 1----------++ 0870 ----- Segment group 13 ------------------ C 9-----------+ 0880 X PAT Payment terms basis M 1 | 0890 DTM Date/time/period C 9 | 0900 ATT Attribute C 9 | 0910 FII Financial institution information C 1 | 0920 RFF Reference C 9 | 0930 PCD Percentage details C 9 | | 0940 ----- Segment group 14 ------------------ C 9----------+| 0950 PNA Party identification M 1 || 0960 ADR Address C 1----------+| | 0970 ----- Segment group 15 ------------------ C 99---------+| 0980 MOA Monetary amount M 1 || 0990 DTM Date/time/period C 99 || 1000 ATT Attribute C 1 || || 1010 ----- Segment group 16 ------------------ C 99--------+|| 1020 TAX Duty/tax/fee details M 1 ||| 1030 MOA Monetary amount C 9 ||| 1040 LOC Place/location identification C 1 ||| 1050 PCD Percentage details M 1---------+++ 1060 ----- Segment group 17 ------------------ C 9999--------+ 1070 ROD Risk object type M 1 | 1080 X GIS General indicator C 1 | 1090 RFF Reference C 9 | 1100 DTM Date/time/period C 9 | 1110 ATT Attribute C 99 | 1120 QTY Quantity C 99 | 1130 MOA Monetary amount C 9 | 1140 MEA Measurements C 9 | 1150 ADR Address C 99 | 1160 PCD Percentage details C 9 | 1170 QRS Query and response C 9 | 1180 FTX Free text C 99 | | 1190 ----- Segment group 18 ------------------ C 9----------+| 1200 PNA Party identification M 1 || 1210 X GIS General indicator C 1 || 1220 ADR Address C 1 || 1230 FTX Free text C 9----------+| | 1240 ----- Segment group 19 ------------------ C 9----------+| 1250 EQD Equipment details M 1 || 1260 X GIS General indicator C 1 || 1270 ATT Attribute C 9 || 1280 DTM Date/time/period C 1 || 1290 PNA Party identification C 9 || 1300 QRS Query and response C 9 || 1310 RFF Reference C 9 || 1320 FTX Free text C 9----------+| | 1330 ----- Segment group 20 ------------------ C 99---------+| 1340 DOC Document/message details M 1 || 1350 ATT Attribute C 1 || 1360 DTM Date/time/period C 99 || 1370 PCD Percentage details C 1 || 1380 FTX Free text C 9----------+| | 1390 ----- Segment group 21 ------------------ C 99---------+| 1400 X EVT Event M 1 || 1410 X GIS General indicator C 1 || 1420 QRS Query and response C 9 || 1430 RFF Reference C 9 || 1440 ATT Attribute C 9 || 1450 ICD Insurance cover description C 1 || 1460 MOA Monetary amount M 9 || 1470 DTM Date/time/period C 9 || 1480 QTY Quantity C 9 || 1490 PCD Percentage details C 9 || 1500 FTX Free text C 99 || || 1510 ----- Segment group 22 ------------------ C 9---------+|| 1520 PNA Party identification M 1 ||| 1530 ADR Address C 1 ||| 1540 RFF Reference C 9 ||| 1550 CTA Contact information C 1 ||| 1560 COM Communication contact C 9---------++| | 1570 ----- Segment group 23 ------------------ M 99---------+| 1580 ICD Insurance cover description M 1 || 1590 X GIS General indicator C 1 || 1600 DTM Date/time/period C 9 || 1610 RFF Reference C 9 || 1620 ATT Attribute C 9 || 1630 QRS Query and response C 9 || 1640 QTY Quantity C 9 || 1650 FTX Free text C 9 || || 1660 ----- Segment group 24 ------------------ C 99--------+|| 1670 MOA Monetary amount M 1 ||| 1680 PCD Percentage details C 1 ||| 1690 LOC Place/location identification C 1---------+|| || 1700 ----- Segment group 25 ------------------ C 9---------+|| 1710 ROD Risk object type M 1 ||| 1720 X GIS General indicator C 1 ||| 1730 MOA Monetary amount C 9---------+|| || 1740 ----- Segment group 26 ------------------ M 1---------+|| 1750 COD Component details M 1 ||| 1760 X GIS General indicator C 1 ||| ||| 1770 ----- Segment group 27 ------------------ C 99-------+||| 1780 PCC Premium calculation component details M 1 |||| 1790 X GIS General indicator C 1 |||| 1800 MOA Monetary amount C 9 |||| 1810 PCD Percentage details C 9 |||| 1820 QRS Query and response C 9 |||| 1830 QTY Quantity C 9 |||| 1840 DTM Date/time/period C 9 |||| 1850 FTX Free text C 9 |||| |||| 1860 ----- Segment group 28 ------------------ C 99------+|||| 1870 PNA Party identification M 1 ||||| 1880 ICD Insurance cover description C 9-------+|||| |||| 1890 ----- Segment group 29 ------------------ M 9-------+|||| 1900 ATT Attribute M 1 ||||| 1910 PCD Percentage details C 1 ||||| 1920 MOA Monetary amount C 9 ||||| 1930 FTX Free text C 9-------+++|| || 1940 ----- Segment group 30 ------------------ C 999-------+|| 1950 PNA Party identification M 1 ||| 1960 X GIS General indicator C 1 ||| 1970 RFF Reference C 9 ||| 1980 DTM Date/time/period C 9 ||| 1990 MOA Monetary amount C 9 ||| 2000 PCD Percentage details C 9 ||| 2010 QTY Quantity C 9 ||| 2020 QRS Query and response C 9 ||| 2030 REL Relationship C 1---------+|| || 2040 ----- Segment group 31 ------------------ C 9---------+|| 2050 X EVT Event M 1 ||| 2060 X GIS General indicator C 1 ||| 2070 ATT Attribute C 9 ||| 2080 DTM Date/time/period C 9 ||| 2090 MOA Monetary amount C 9 ||| 2100 PCD Percentage details C 9 ||| 2110 QRS Query and response C 9 ||| 2120 QTY Quantity C 9 ||| 2130 RFF Reference C 9 ||| 2140 PCC Premium calculation component details C 9 ||| 2150 LOC Place/location identification C 9 ||| 2160 FTX Free text C 9 ||| ||| 2170 ----- Segment group 32 ------------------ C 9--------+||| 2180 PNA Party identification M 1 |||| 2190 ADR Address C 1 |||| 2200 RFF Reference C 9 |||| 2210 CTA Contact information C 1 |||| 2220 COM Communication contact C 9--------++++ 2230 UNS Section control M 1 2240 ----- Segment group 33 ------------------ C 99----------+ 2250 DTM Date/time/period M 1 | 2260 RFF Reference C 9 | 2270 QRS Query and response C 9 | 2280 FTX Free text C 9 | | 2290 ----- Segment group 34 ------------------ C 9----------+| 2300 PNA Party identification M 1 || 2310 ADR Address C 1 || 2320 CTA Contact information C 1 || 2330 COM Communication contact C 9----------+| | 2340 ----- Segment group 35 ------------------ C 99---------+| 2350 X GIS General indicator M 1 || 2360 DTM Date/time/period M 9 || 2370 QTY Quantity M 9 || 2380 MOA Monetary amount C 9 || || 2390 ----- Segment group 36 ------------------ M 99--------+|| 2400 ICD Insurance cover description M 1 ||| 2410 ATT Attribute C 9 ||| 2420 MOA Monetary amount M 9 ||| 2430 QTY Quantity C 9 ||| 2440 FTX Free text C 1---------++| | 2450 ----- Segment group 37 ------------------ C 99---------+| 2460 X EVT Event M 1 || 2470 X GIS General indicator C 1 || 2480 ATT Attribute C 9 || 2490 DTM Date/time/period C 9 || 2500 ICD Insurance cover description M 1 || 2510 MOA Monetary amount C 9 || 2520 RFF Reference C 9 || 2530 QRS Query and response C 9 || 2540 FTX Free text C 9----------++ 2550 UNT Message trailer M 1

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