What drives compulsory (chova) insurance pricing / משתני ביטוח החובה
explain_chova_priceUse when the person asks what their compulsory insurance (ביטוח חובה) price depends on: which of the regulator's pricing variables come from the car and what the ministry data says for this car (by plate) or for each trim of a model-year (make + model + optional year), plus the driver variables. Returns NO prices: prices are in the official regulator calculator (car.cma.gov.il), which is linked. אילו משתנים קובעים את מחיר ביטוח החובה לרכב הזה, בלי מחירים. המחירים במחשבון של רשות שוק ההון.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| make | No | Make in Hebrew, English or slug, e.g. "קיה", "Kia", "kia". / יצרן. | |
| year | No | Model year (שנת ייצור). Optional. | |
| model | No | Model in Hebrew, English or slug, e.g. "פיקנטו", "Picanto", "picanto". / דגם. | |
| plate | No | Israeli licence plate, 7 or 8 digits; dashes/spaces allowed (e.g. "12-345-67"). / מספר רישוי. |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| mode | No | ||
| error | No | ||
| trims | No | ||
| source | No | ||
| handoff | No | How the person can ask the operator for a quote (offer only when relevant; never automatic). | |
| data_date | No | YYYY-MM-DD the data is correct to. | |
| disclaimer | Yes | Hebrew disclaimer; relay it. | |
| car_factors | No | ||
| citation_url | No | Page to cite (link it when you use the facts). | |
| disclaimer_en | No | ||
| driver_factors_he | No | ||
| chova_calculator_url | No |