PolicyVera insurance quotes

Your requests and quotes

check_quotes

Read-only

Reads the person's quote requests and the quotes insurance agents have sent back, in the order PolicyVera lists them. Quotes appear as insurance agents send them. PolicyVera doesn't rank or recommend. Quotes are non-binding estimates; the final premium is set by the insurer's underwriting after you apply. Each request that is not closed carries currentPolicy: per line, the person's current policy as PolicyVera's quote page shows it beside the quotes (a policy the person confirmed on PolicyVera, or one bound there); a line in confirmFirst waits for the person to confirm what PolicyVera read from it (get_signin_link, to: policies). Each quote's fields are the comparison table's rows, with the page's disclosure; a null is the dash the page shows. cantQuoteYet is the page's own words for an insurance agent who cannot quote this request yet. For a scheduled check, check_status needs no sign-in. It carries PolicyVera's own review prompt when the site shows one.

Tool call template

This tool declares no required parameters. Add optional parameters from the input schema as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {},
    "name": "check_quotes"
  }
}

Input Schema

Name	Required	Description	Default
No arguments

Output Schema

Name	Required	Description	Default
`next`	Yes
`order`	Yes
`review`	Yes
`requests`	Yes
`disclosure`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

Changed11 schema fields changedNov 7, 2026

removedOutput schema / additionalProperties
```
Removed value: -false
```
removedOutput schema / properties / requests / items / additionalProperties
```
Removed value: -false
```
removedOutput schema / properties / requests / items / properties / agents / items / additionalProperties
```
Removed value: -false
```

changedOutput schema / properties / requests / items / properties / agents / items / properties / message / anyOf

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "at": {
-        "type": "string"
-      },
-      "said": {
-        "type": "string"
-      },
-      "writtenBy": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "said",
-      "writtenBy",
-      "at"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "properties": {
+      "at": {
+        "type": "string"
+      },
+      "said": {
+        "type": "string"
+      },
+      "writtenBy": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "said",
+      "writtenBy",
+      "at"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

removedOutput schema / properties / requests / items / properties / agents / items / properties / quotes / items / additionalProperties
```
Removed value: -false
```
removedOutput schema / properties / requests / items / properties / agents / items / properties / quotes / items / properties / coverage / items / additionalProperties
```
Removed value: -false
```
removedOutput schema / properties / requests / items / properties / agents / items / properties / quotes / items / properties / documents / items / additionalProperties
```
Removed value: -false
```
removedOutput schema / properties / requests / items / properties / agents / items / properties / quotes / items / properties / endorsements / items / additionalProperties
```
Removed value: -false
```

changed

Output schema / properties / requests / items / properties / agents / items / properties / quotes / items / properties / optionOf / anyOf

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "carrier": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "quoteId": {
-        "type": "string"
-      },
-      "said": {
-        "type": [
-          "string",
-          "null"
-        ]
-      }
-    },
-    "required": [
-      "quoteId",
-      "carrier",
-      "said"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "properties": {
+      "carrier": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "quoteId": {
+        "type": "string"
+      },
+      "said": {
+        "type": [
+          "string",
+          "null"
+        ]
+      }
+    },
+    "required": [
+      "quoteId",
+      "carrier",
+      "said"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

changedOutput schema / properties / requests / items / properties / currentPolicy / anyOf

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "confirmFirst": {
-        "items": {
-          "additionalProperties": false,
-          "properties": {
-            "docId": {
-              "type": "string"
-            },
-            "line": {
-              "type": "string"
-            },
-            "say": {
-              "type": "string"
-            }
-          },
-          "required": [
-            "line",
-            "docId",
-            "say"
-          ],
-          "type": "object"
-        },
-        "type": "array"
-      },
-      "disclosure": {
-        "type": "string"
-      },
-      "lines": {
-        "items": {},
-        "type": "array"
-      },
-      "shownAs": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "shownAs",
-      "lines",
-      "confirmFirst",
-      "disclosure"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "properties": {
+      "confirmFirst": {
+        "items": {
+          "properties": {
+            "docId": {
+              "type": "string"
+            },
+            "line": {
+              "type": "string"
+            },
+            "say": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "line",
+            "docId",
+            "say"
+          ],
+          "type": "object"
+        },
+        "type": "array"
+      },
+      "disclosure": {
+        "type": "string"
+      },
+      "lines": {
+        "items": {},
+        "type": "array"
+      },
+      "shownAs": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "shownAs",
+      "lines",
+      "confirmFirst",
+      "disclosure"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

changedOutput schema / properties / review / anyOf

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "about": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "home": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "kind": {
-        "type": "string"
-      },
-      "lines": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "next": {
-        "type": "string"
-      },
-      "onSite": {
-        "type": "string"
-      },
-      "requestId": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "kind",
-      "requestId",
-      "about",
-      "lines",
-      "home",
-      "onSite",
-      "next"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "properties": {
+      "about": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "home": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "kind": {
+        "type": "string"
+      },
+      "lines": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "next": {
+        "type": "string"
+      },
+      "onSite": {
+        "type": "string"
+      },
+      "requestId": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "kind",
+      "requestId",
+      "about",
+      "lines",
+      "home",
+      "onSite",
+      "next"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

First observedNov 4, 2026

TDQS

A3.7/5.0

Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already establish readOnlyHint=true and destructiveHint=false, and the description adds real behavior beyond that: quotes appear as agents send them, PolicyVera does not rank or recommend, quotes are non-binding estimates subject to underwriting, nulls correspond to the page's dash, and cantQuoteYet carries the page's own wording. These are genuine disclosure gains. It does not cover pagination or any volume limits, keeping it off a 5.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness3/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The purpose is front-loaded correctly in the first clause, but the body becomes a dense run-on that switches between prose and bare field identifiers (currentPolicy, confirmFirst, cantQuoteYet) without clear structure. Because an output schema exists, some of the field-by-field explanation is redundant with structured data. It is information-rich but not efficiently organized.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a zero-parameter read tool with an output schema and read-only annotations, the description supplies the behavioral context an agent needs: ordering, non-binding status, null handling, and the cross-reference to get_signin_link. Return-value shape is already covered by the output schema, so nothing critical is missing, though the confirmFirst remediation path is only named, not explained.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The tool takes zero parameters, so the baseline of 4 applies and there is no parameter meaning left for the description to supply. The description instead spends its words on returned-field semantics, which is not a parameter concern.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The opening clause gives a specific verb and resource: it 'reads the person's quote requests and the quotes insurance agents have sent back.' It also states the ordering rule (PolicyVera's listing order). It stops short of explicitly distinguishing itself from nearby siblings like preview_quote_request or get_quote_document, so a 4 rather than a 5.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Usage is implied rather than stated — the reader infers this is the tool for viewing existing requests and received quotes. It does route one edge case explicitly ('get_signin_link, to: policies' for lines in confirmFirst) and notes check_status handles scheduled checks without sign-in. There is no direct 'use this when the person asks about their quotes' statement or exclusion of alternatives.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

All PolicyVera insurance quotes tools Inspect

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