Rent Guarantee Insurance

The platform integrates with Blinc-UK to let letting agents purchase and manage nil-excess Rent Guarantee Insurance (RGI) policies without leaving the dashboard.

Prerequisites

You must have Blinc-UK API credentials configured. Set the following environment variables:

BLINC_UK_API_KEY=your_api_key
BLINC_UK_API_URL=https://api.blinc-uk.com  # or your assigned endpoint

If these are not set, a warning banner is shown on the insurance page and purchases are blocked.

---

Navigating to the Insurance Page

1. Open the dashboard sidebar.
2. Click Rent Guarantee (shield-check icon).
3. You land on /dashboard/insurance.

---

Dashboard Overview

The page displays five summary cards:

Card	Description
Total	All policies for your organisation
Active	Currently live policies
Pending	Awaiting payment or activation
Expired	Policies past their cover end date
Cancelled	Manually cancelled policies

Below the cards is a filterable policy table. Use the Status and Property dropdowns to narrow results. Each row offers View and Download Certificate actions.

---

Purchasing a Policy

1. Click Purchase Policy on the insurance page.

2. Fill in the required fields:

   Field	Notes
   Property	Select from your property list
   Payment Plan	Annual (£195.00/yr) or Monthly (£19.50/mo)
   Cover Duration	6, 9, or 12 months
   Cover Start Date	Defaults to today
   Tenant Name	Full name of the tenant
   Landlord Name	Full name of the landlord
   Monthly Rent (£)	Numeric value, e.g. 1250.00
   Notes	Optional free-text

3. Click Proceed to Checkout. You are redirected to the Calmony Pay checkout.

4. After a successful payment, the platform automatically activates the policy with Blinc-UK via a background job. The policy status moves from pending → active.

Pricing summary

Plan	Annual cost	Notes
Annual	£195.00	Nil-excess; best value (save £39)
Monthly	£234.00 (£19.50 × 12)	Spread across the year

• Cover limit: up to 12 months' rent
• Legal expenses: up to £50,000
• Cover is property-based, not tenancy-specific

---

Policy Lifecycle

pending → active → expired
                 → cancelled
                 → lapsed

Status	Meaning
pending	Policy record created; payment not yet confirmed
active	Payment confirmed and policy activated with Blinc-UK
expired	Cover end date has passed
cancelled	Manually cancelled (owner/admin only)
lapsed	Activation failed or payment was abandoned

---

Cancelling a Policy

Only users with the owner or admin role can cancel a policy.

1. Open the policy detail modal.
2. Click Cancel Policy.
3. Enter a cancellation reason.
4. Confirm. The cancellation is sent to Blinc-UK and the policy status is updated.

---

Renewing a Policy

1. Open an active or recently expired policy.
2. Click Renew.
3. A new linked policy is created and you are taken through the same purchase/checkout flow.
4. The renewal record references the original policy for audit purposes.

---

Audit Trail

Every significant action is logged to the platform audit trail:

Event	Trigger
purchase_initiated	Purchase dialog submitted
payment_completed	Checkout success callback received
activated	Blinc-UK activation confirmed
cancelled	Policy cancelled via UI
renewal_initiated	Renewal started

---

Background Activation Job

After payment, the platform fires an Inngest event (rgi/policy.activate). The rgiPolicyActivate function:

• Calls the Blinc-UK API to register and activate the policy.
• Updates the rentGuaranteePolicies record with the external policy ID and certificate URL.
• Uses concurrency control, throttling, and retry configuration to handle transient failures gracefully.
• Raises a NonRetriableError for permanent failures (e.g. invalid property data), preventing infinite retries.

---

API Reference (tRPC)

All endpoints live under the rentGuarantee router.

Procedure	Type	Access	Description
integrationStatus	query	all	Check Blinc-UK config; returns pricing info
listProperties	query	all	Property list for purchase dialog
list	query	all	Paginated policies; accepts status and propertyId filters
getById	query	all	Single policy by ID
getByProperty	query	all	All policies for a property
purchase	mutation	all	Create policy + initiate checkout; returns checkoutUrl
fulfilPurchase	mutation	all	Post-checkout fulfilment; fires Inngest activation event
cancel	mutation	owner, admin	Cancel policy via Blinc-UK API
renew	mutation	all	Create renewal policy + initiate checkout
summary	query	all	Count aggregations for dashboard cards

---

Environment Variables

Variable	Required	Description
BLINC_UK_API_KEY	Yes	API key issued by Blinc-UK
BLINC_UK_API_URL	Yes	Base URL for the Blinc-UK RGI API

When either variable is absent the integration degrades gracefully — the UI shows a configuration warning and purchase actions are disabled.