{
  "serverInfo": {
    "name": "inspay-sandbox",
    "title": "InsPay (sandbox)",
    "version": "0.1.0"
  },
  "description": "InsPay is a United Kingdom product, in development, that changes how car insurance is paid for rather than what it covers. An annual premium is paid to the insurer in full by a lending partner and repaid by the customer in instalments with no charge for credit, which removes the insurer's own cost of paying by instalments. A higher policy excess, which reduces the premium, is made harmless by excess protection insurance that pays the excess at claim. InsPay is neither the insurer nor the lender. It is not authorised or regulated by the Financial Conduct Authority and intends to carry out its regulated activities under the permissions of an authorised firm.",
  "protocolVersion": "2025-06-18",
  "transport": {
    "type": "streamable-http",
    "url": "https://agent.goinspay.com/api/agent/mcp"
  },
  "authentication": {
    "type": "none"
  },
  "capabilities": {
    "tools": {
      "listChanged": false
    }
  },
  "tools": [
    {
      "name": "describe_inspay",
      "description": "What InsPay is, its status, and what an agent may and may not do.",
      "annotations": {
        "readOnlyHint": true
      }
    },
    {
      "name": "estimate_saving",
      "description": "A range, from a price the customer has seen. Never a single figure.",
      "annotations": {
        "readOnlyHint": true
      }
    },
    {
      "name": "check_eligibility",
      "description": "A soft search with the lending partner. Approved, referred or declined.",
      "annotations": {
        "readOnlyHint": true
      }
    },
    {
      "name": "price_with_insurer_rate",
      "description": "An exact price when the insurer supplies its premium at a £1,000 excess.",
      "annotations": {
        "readOnlyHint": true
      }
    },
    {
      "name": "create_application",
      "description": "Opens the application and returns the link only the customer can complete.",
      "annotations": {
        "readOnlyHint": false
      }
    },
    {
      "name": "get_application",
      "description": "Where the application has got to, and what comes next.",
      "annotations": {
        "readOnlyHint": true
      }
    },
    {
      "name": "issue_payment_card",
      "description": "The single-use card that pays the insurer, shown to the customer on InsPay's page.",
      "annotations": {
        "readOnlyHint": false
      }
    },
    {
      "name": "confirm_policy_bound",
      "description": "The insurer has issued the policy; InsPay binds the excess cover.",
      "annotations": {
        "readOnlyHint": false
      }
    },
    {
      "name": "report_claim",
      "description": "After a claim, the excess is paid back where the cover applies.",
      "annotations": {
        "readOnlyHint": false
      }
    }
  ],
  "documentationUrl": "https://goinspay.com/agents",
  "iconUrl": "https://goinspay.com/icon.svg",
  "environment": "sandbox"
}