An EU motor insurance quote standard over MCP

A vision, not a plan: if every insurer and intermediary in Europe answered the same question — «what does motor liability or a Green Card cost for this vehicle, this territory, this term?» — in one open, machine-readable format, an AI assistant could compare cross-border cover for a driver in seconds, without collecting anyone's personal data. The Model Context Protocol (MCP) is a practical way to carry such a format. Since 16 October 2026 TEHET answers that question this way for Ukraine.

See how TEHET's MCP server works

The problem a driver has

A driver crossing borders needs proof of third-party liability cover in each country on the route. Today every insurer and comparison site asks its own questions in its own words, in its own language, and answers in its own layout. An assistant that tries to compare them has to read web pages written for people, and the numbers it repeats are often months old. The price question itself is simple and almost the same everywhere; only its format differs.

What already exists

• The Motor Insurance Directive. Directive 2009/103/EC sets the EU framework for compulsory motor third-party liability insurance; under its Article 14 one policy covers the whole of the EU on the basis of a single premium. It was amended by Directive (EU) 2021/2118.
• One common format already. Commission Implementing Regulation (EU) 2024/1855 lays down a template for the claims-history statement that policyholders may request under Article 16 of the Directive. It shows that a shared EU format for a motor insurance document is possible; it does not concern quotes.
• The Green Card system. National insurers' bureaux, governed by the Council of Bureaux, make a motor liability policy recognised beyond its own country. Ukraine's bureau is MTSBU.
• Standards work. CEN/TC 445 develops European standards for insurance data exchange; its draft prEN 18356-1 is publicly listed as under development. We have not read the draft and claim no conformance with it.

None of these defines how a price is asked for or answered. That is the gap.

What a quote standard could contain

• A common request. Vehicle category, territory of cover, term, the country and region of registration, the youngest driver's age — the tariff conditions, and nothing that identifies a person.
• A common answer. Insurer, product, premium and currency, term, the moment of calculation, an explicit «indicative» flag and a link where the person buys.
• Common errors. «Which of these places do you mean?», «no offers for these conditions», «too many requests, wait this long» — so an assistant knows whether to ask the person, wait or stop.
• Privacy by design. An indicative quote needs no name, document or plate, so the format would have no field for them.
• A human at the point of purchase. The standard would end at the price; the contract stays with the person, the insurer and the rules of the insurer's country.

Why MCP

MCP is an open protocol in which a server publishes tools with typed input and output schemas, and assistants from different companies already call such servers. A quote format expressed as MCP tools could be read by any of them without a separate integration for each insurer. TEHET's server is one working example: strict schemas, dated and labelled answers, explicit errors, no personal data.

A possible order of steps

No dates, and no promise that any step will happen — only the order we think makes sense:

1. Indicative prices in one market, over MCP, with public documentation — what TEHET does for Ukraine.
2. The request and answer schemas published openly, so others can reuse or criticise them.
3. Comparison with the work of standards bodies, without claiming conformance before it is checked.
4. Other insurers, intermediaries and bureaux trying the same format for their markets.
5. Purchase only where the law of each country allows it and the person confirms every step themselves.

What this is not

Not a legal proposal, not a forecast of EU legislation and not a statement that any regulator supports the idea. If EU rules move towards machine-readable insurance information, a quote format like this could be one way to meet them; if they do not, it can still be useful as a voluntary convention.

What TEHET's service does today, in plain words: TEHET opens live insurance prices to AI via MCP.

Questions and answers

Directive 2009/103/EC, Directive (EU) 2021/2118 and Implementing Regulation (EU) 2024/1855 as published in EUR-Lex; the Green Card system as described by the Council of Bureaux; CEN/TC 445 draft listings by AFNOR and EVS. This page is a vision by an insurance intermediary, not legal advice. Page reviewed 16 October 2026.