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Prefill API - Guide

How Prefill Works

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A prefill integration has three main steps: 

  1. Your system requests an access token: Use your issued client_id and client_secret to request a short-lived OAuth 2.0 access token.

  2. Your system submits prefill data: Send customer and, where applicable, vehicle data to the Prefill Data Transfer API.

  3. Your system redirects the customer: Co‑operators returns a recordId and a redirect url. Redirect the customer to that URL to begin the quote journey with eligible fields pre-populated.

The customer remains in control throughout the quote journey. All prefilled fields are editable, and the customer can update or remove values before submitting information to Co‑operators.

End-to-End Flow

Step 1 — The customer starts from your platform, portal, email campaign, or other approved channel and has provided consent for sharing information.

Step 2 — Your system calls the Token API using OAuth 2.0 client credentials (client_id / client_secret).

Step 3 — Your system submits prefill data using the access token and a unique Idempotency-Key.

Step 4 — Co‑operators validates the request structure and required fields.

Step 5 — Co‑operators stores the prefill record temporarily and returns a recordId and redirect url.

Step 6 — Your system redirects the customer to the returned url.

Step 7 — The customer starts the quote journey.

Step 8 — Co‑operators pre-populates eligible fields from the prefill record. The customer reviews, edits, or removes prefilled values before continuing.

Step 9 — The quote journey continues using the same validation and business rules as the standard flow. Prefill reduces customer data entry. It does not change quote eligibility, pricing, coverage, underwriting, or bind logic.