SchemeServe supports address lookups through AddressCloud and ePostcode. During the Get Quote journey, users can either:

• Select an address returned by the lookup
• Enter an address manually
• Amend an address after selecting it from the lookup

SchemeServe now records how the current address was populated. This allows you to distinguish between an address taken directly from a lookup and one that has been manually entered or changed.

Why this matters

Some rating files use address-linked APIs to retrieve additional property and risk information such as building details or flood scores. This information may then be used for rating, referrals or premium calculations.

If an address is manually changed, any identifiers or property data associated with the original address may be incorrect or no longer relate to the property shown on the quote.

The new indicator provides a consistent way to identify manually entered or amended addresses across different markets. You can use it to:

• Apply additional address verification
• Trigger a warning or referral
• Select the appropriate rating approach
• Prevent automatic rating where the address requires review
• Report on how frequently addresses are manually entered or amended

How the address source indicator works

1. Results

The indicator is stored as a hidden checkbox field “API Populated” - within the address question.

The checkbox is managed automatically by SchemeServe and is not displayed during the quotation journey.

2. Referencing the indicator

The indicator has its own System ID. This is generated by combining the address question’s System ID with the following suffix: _IsPopulatedByAPI

For example: 

If Address question SystemID = [RiskAddress]

Then Address source indicator SystemID = [RiskAddress_IsPopulatedByAPI]

3. Checking the result via Formula Tester

The indicator can be checked through Formula Testing and referenced in supported configuration areas including:

• Rating files
• Rules
• Documents
• Other supported configuration areas that can reference question System IDs
  
  

Examples use cases

You could configure your rating logic so that:

• If the 'Populated by API" address source indicator checkbox result is True, the quote follows the normal rating journey.
• If the 'Populated by API" address source indicator checkbox result is False, the quote requires additional verification or is referred for review.
• If the 'Populated by API" address source indicator checkbox result is blank, the quote follows an agreed approach for historical records where the address source is unknown.

The indicator does not prescribe what action must be taken. Your business can decide how lookup-based, manually entered and historical addresses should be treated.

Behaviour across the policy cycle (MTAs and Renewals)

The indicator is saved against the record and carried through the policy lifecycle.

It will only change when the address is updated through the Get Quote journey.

For example:

1. An address selected through AddressCloud or ePostcode sets the indicator to True.
2. If the address is manually amended during an adjustment, the indicator changes to False.
3. If a new address is then selected through the lookup, the indicator returns to True.
4. If no address change is made during a renewal or adjustment, the existing value is retained.

Access

The address source indicator is available by default. No feature needs to be enabled.

The field is hidden from users and cannot be selected or changed manually. Your business can choose whether to reference it in rating files, rules, documents or reporting.
 

Limitations

• The indicator is not populated retrospectively. Existing records will have a blank value unless the address is subsequently selected or amended through the Get Quote journey.
• A blank value does not mean that the address was manually entered. It means that its source cannot be confirmed.
• The indicator records how the current address was populated. It does not confirm that the address itself is correct or that the lookup returned the intended property.
• A lookup-populated address may still require verification if the provider returns multiple matches or an incorrect match.
• The indicator does not automatically change rating behaviour. Rating files and rules must be configured to act on its value.
• The indicator does not automatically clear previously stored property or risk information after an address change.
• The indicator can only be updated through the Get Quote journey. As it is hidden, it cannot be changed manually.