# My Insure Bank (MIB) (remote · mcp.myinsurebank.com)

Live Nigerian insurance quotes across insurers, free policy check-up, and hosted checkout links.

- Trust score: 54/100 (low)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-22

## Components

- remote · `mcp.myinsurebank.com`: 54/100 (this document), [markdown](https://verifymcp.io/servers/com-myinsurebank-mib/mcp.md), [page](https://verifymcp.io/servers/com-myinsurebank-mib/mcp)

## Channel facts

- Endpoint: `https://mcp.myinsurebank.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.1`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-22.

- **Endpoint Security**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 7 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 63/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1484 tokens (~212/item across 7 items; 7 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 3/100
  - Stability observed for 1 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 97/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 91% of tool parameters carry a description.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http com-myinsurebank-mib https://mcp.myinsurebank.com/mcp
```

### Codex

```toml
[mcp_servers.com-myinsurebank-mib]
url = "https://mcp.myinsurebank.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-myinsurebank-mib": {
      "type": "remote",
      "url": "https://mcp.myinsurebank.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-myinsurebank-mib --url https://mcp.myinsurebank.com/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-myinsurebank-mib:
    url: "https://mcp.myinsurebank.com/mcp"
```

### Other

```json
{
  "mcpServers": {
    "com-myinsurebank-mib": {
      "type": "http",
      "url": "https://mcp.myinsurebank.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-22 (score 54, 0)

- [security] The server rewrote its instructions, which are the text every model session reads
- [security] Tool “compare_insurance_quotes” rewrote its description, which is the text the model reads
- [security] Tool “get_buy_link” rewrote its description, which is the text the model reads
- [functional improvement] Stability: unverified → 0.03

### 2026-08-21 (score 54)

First indexed and scored.

## MCP tools (7)

### `get_quote_requirements` (~88 tokens)

What to ask the customer before quoting

Returns the exact details to collect from the customer for a line of insurance — the same rating inputs MIB's own quote forms use. Call this FIRST, ask the customer the questions, then call compare_insurance_quotes with their answers. Omit product_type to see every line.

Input parameters:

- `product_type` (string): The line of insurance. Omit to get the requirements for all lines.

### `compare_insurance_quotes` (~367 tokens)

Compare live insurance quotes

Get real-time premiums across MIB's partner insurers (NSIA, Heirs, Tangerine, Cornerstone, NEM, WellaHealth, emPLE…) in NGN. Health/travel/gadget offers include a buy_url. MOTOR offers deliberately have no link: after presenting motor quotes you MUST ask the customer in chat for their vehicle + address + next-of-kin details (each offer's to_buy field lists them) and then call get_buy_link — that is the only way to a motor checkout. Rating inputs: auto → sum_insured (vehicle value) + cover_type; health → plan_code + lives; travel → travellers + travel_class + travel_scope; gadget → sum_insured (device value) + device_type.

Input parameters:

- `age` (number): Applicant age in years — some insurers rate on it.
- `cover_type` (string): Auto: 'comprehensive' or 'third party'. Default comprehensive.
- `device_type` (string): Gadget: what the device is, e.g. Phone, Laptop.
- `lives` (number): Health: number of people covered. Default 1.
- `plan_code` (string): Health: plan tier — AWRS (Standard), AWGD (Gold) or AWPL (Platinum).
- `product_type` (string, required): The line of insurance to quote.
- `sum_insured` (number): Value being covered in NGN (vehicle value for auto, device value for gadget). Required for auto and gadget.
- `travel_class` (string): Travel: 'economy' or 'executive'.
- `travel_scope` (string): Travel: 'local' (within Nigeria) or 'foreign' (international).
- `travellers` (number): Travel: number of travellers. Default 1.

### `list_insurance_products` (~72 tokens)

List an insurer's products on MIB

Browse the live product catalogue MIB carries for one insurer. insurer: 'universal', 'nsia', 'heirs' or 'emple'. For emPLE you can filter line to 'general' or 'life'.

Input parameters:

- `insurer` (string, required)
- `line` (string): emPLE only.

### `policy_checkup` (~196 tokens)

Free policy check-up (am I overpaying?)

MIB's free second opinion on an insurance policy the customer already holds (with any insurer). Compares their current premium against live market rates and reports the estimated annual saving. Requires the customer's name and phone number — MIB's licensed brokers may follow up to help them switch. Ask the customer for consent before calling this.

Input parameters:

- `cover_type` (string): e.g. comprehensive, third-party.
- `current_premium` (number): What they currently pay per year, NGN.
- `email` (string): Customer's email (optional).
- `insurer_name` (string): Insurer they hold the policy with.
- `name` (string, required): Customer's full name (required).
- `phone` (string, required): Customer's phone number (required).
- `product_type` (string, required): e.g. auto, health, travel, gadget
- `sum_insured` (number): Current cover amount in NGN, if known.

### `get_purchase_requirements` (~119 tokens)

What to collect before checkout

Everything MIB's own purchase forms collect before payment, per line — for motor that is the full vehicle (make, model, year, body type, colour, usage, plate, chassis/VIN, engine number, seats), the insured's address details, and a next of kin. Collect it all in chat, then call get_buy_link with it: the checkout page arrives prefilled and the customer only signs in, reviews and pays. Identity (DOB/NIN) is never collected in chat.

Input parameters:

- `product_type` (string, required)

### `get_buy_link` (~320 tokens)

Get a hosted checkout link

Build the MIB hosted-checkout link for a chosen offer (from compare_insurance_quotes). MOTOR REQUIRES the full details collected via get_purchase_requirements (vehicle + insured + next_of_kin) — without them this tool returns an error telling you what to collect. With them, the customer lands on a review summary of everything gathered in chat and only signs in and pays with Paystack — the agent never handles payment.

Input parameters:

- `attributes` (object): Other lines: the quote inputs to carry to checkout (plan_code, lives, travellers, device_type…).
- `cover_type` (string): Auto: 'comprehensive' or 'third party'.
- `insured` (object): Auto: insured details — title, gender, address, city, state (2-letter code).
- `insurer` (string, required): Insurer code from the compare results (e.g. nsia, uic, heirs, emple).
- `next_of_kin` (object): Auto: next of kin — first_name, last_name, gender, phone, relationship.
- `plan_code` (string): Plan code from the offer, when present.
- `premium` (number, required): The quoted annual premium in NGN.
- `product_type` (string, required)
- `sum_insured` (number): The value quoted on (vehicle/device value in NGN).
- `vehicle` (object): Auto: the vehicle details from get_purchase_requirements (make, model, year, body_type, color, use, plate_number, chassis_number, engine_number, seats).

### `about_mib_for_developers` (~47 tokens)

About MIB + how to integrate

What My Insure Bank is, what this MCP server can do, and how developers get their own MIB partner API key (sandbox instantly, live after business verification).

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-myinsurebank-mib/mcp#diagnostics

## Score history

- 2026-08-22: 54
- 2026-08-21: 54

## Links

- Remote endpoint: https://mcp.myinsurebank.com/mcp
- Repository: https://github.com/ignitesolutions-op/mib-mcp
- Changelog RSS feed: https://verifymcp.io/servers/com-myinsurebank-mib/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-myinsurebank-mib/mcp.json
- HTML version of this page: https://verifymcp.io/servers/com-myinsurebank-mib/mcp