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ביטוחון: Israeli car data and car-insurance facts

What the standard comprehensive policy guarantees at this car age / הפוליסה התקנית לפי גיל הרכב

standard_policy_at_age
Read-onlyIdempotent

Use when the person asks what a comprehensive (מקיף) policy must give them for a car of a given age: under the regulator's standard policy (הפוליסה התקנית) an insurer replacing a part must use an original or new part up to age 2, pays without depreciation up to age 9, and total loss is paid with no deductible. Age counts from first registration, not the model year. By plate (exact age from the registry), by first-registration month ("YYYY-MM"), or by model year (approximate). מה הפוליסה התקנית בביטוח מקיף מבטיחה לרכב בגיל הזה: חלק מקורי או חדש, בלאי, אובדן גמור. לפי מספר רכב, חודש עלייה לכביש או שנת ייצור.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
yearNoModel year, when nothing better is known (the age is then a range).
plateNoMost exact. Israeli licence plate, 7 or 8 digits; dashes/spaces allowed (e.g. "12-345-67"). / מספר רישוי.
on_road_sinceNoFirst registration month "YYYY-MM" (as on the vehicle licence).

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
ageNomonths (exact) or min_years/max_years (from a model year)
tierNo
errorNo
sourceNo
handoffNoHow the person can ask the operator for a quote (offer only when relevant; never automatic).
lead_heNo
sourcesNo
page_urlNo
data_dateNoYYYY-MM-DD the data is correct to.
points_heNo
disclaimerYesHebrew disclaimer; relay it.
example_heNo
citation_urlNoPage to cite (link it when you use the facts).
extension_heNo
disclaimer_enNo
total_loss_heNo

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observed

TDQS

A4.3/5.0
Behavior5/5

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

Annotations already establish read-only, idempotent, non-destructive, open-world behavior, but the description adds substantive domain behavior: specific policy thresholds for parts, depreciation, and total loss. It also discloses that age counts from first registration rather than model year and explains the precision differences among inputs.

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

Conciseness4/5

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

The description is front-loaded with the usage condition and key policy facts, then describes input modes. It is dense and information-rich rather than padded. The bilingual duplication is somewhat redundant from an agent perspective, but it is likely intentional for Hebrew-speaking contexts.

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

Completeness5/5

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

With an output schema present, the description need not explain return values. It sufficiently covers purpose, trigger, domain rules, input tradeoffs, and age semantics, giving the agent what it needs to invoke correctly and interpret the result.

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?

Schema description coverage is 100%, so the schema already documents each parameter. The description adds useful prioritization and exactness context over the schema: plate is exact from the registry, first-registration month is 'YYYY-MM', and model year is approximate. This improves parameter selection semantics beyond the structured fields alone.

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 description clearly states the resource and purpose: explaining what the standard comprehensive policy guarantees for a car of a given age. It lists concrete policy guarantees and the three accepted age inputs. It does not explicitly differentiate itself from sibling tools, so it falls short of a 5 on sibling differentiation.

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

Usage Guidelines4/5

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

It opens with an explicit usage trigger: 'Use when the person asks what a comprehensive (מקיף) policy must give them for a car of a given age.' It also explains the three ways to supply age and their relative precision. It does not state when not to use the tool or name alternative sibling tools.

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

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