Keep your Navigate vehicle records in your own systems

What you can build on Navigate

• Get the vehicles on a policy

  Build this

  Opens Update Vehicle for the lead insurer you pick, selects the policy and reads its vehicle table, filtered to On Cover Only, Previously On Cover or Due On Cover.

  Takes

  Lead insurer, policy number, cover filter (optional)

  Returns

  Policy number, policy start date, registration, vehicle type, make, model, on-cover date, off-cover date

• Check a vehicle's cover dates

  Build this

  Searches one policy in Update Vehicle for a vehicle registration and reads every record for it, each with its on-cover and off-cover dates.

  Takes

  Lead insurer, policy number, vehicle registration

  Returns

  Registration, found or not, records with on-cover date and off-cover date, on cover today

• Get File Transfer results

  Build this

  Reads the File Transfer screen for a date range and opens each File Request ID's summary, with its status and its top errors and warnings.

  Takes

  Lead insurer, from date, to date, status (optional)

  Returns

  File Request ID, submitted date, status, last status change, error and warning codes, policy number, registration

• Add a vehicle to a fleet policy

  Build this

  Selects a policy in Update Vehicle, chooses Add Vehicle, enters the registration and cover dates, completes the vehicle details and submits.

  Takes

  Lead insurer, policy number, registration, on-cover date, off-cover date, vehicle type, make, model

  Returns

  Registration, policy number, on-cover date, off-cover date, added or the message shown

Automate Navigate with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• Rejected files and errors from yesterday's File Transfer

  Build this

  Starts

  Every day at 8:00

  Step 1

  Get the File Transfer results for files submitted yesterday.

  Step 2

  Keep the files that are Rejected or that carry error or warning codes.

  Step 3

  Email you each File Request ID with its codes, policy numbers and registrations.

• Weekly changes to the vehicles on cover

  Build this

  Starts

  Every Monday at 7:00

  Step 1

  For each policy you name, get the vehicles that are On Cover Only.

  Step 2

  Keep the vehicles added or taken off cover since the last run.

  Step 3

  Post each change, with registration and cover dates, to your fleet system's webhook.

• Cover check before a new vehicle goes out

  Build this

  Starts

  When your fleet system calls the workflow's webhook with a policy number and registration

  Step 1

  Check the vehicle's cover dates on that policy.

  Step 2

  Stop when it is on cover today.

  Step 3

  Email you the registration, with the records found, so someone can add it.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get the vehicles on a policy” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "navigate.mib.org.uk/get_policy_vehicles",
    "input": {
      "lead_insurer": "Northwind Insurance",
      "policy_number": "FLT0048213",
      "cover_filter": "On Cover Only"
    }
  }'

{
  "status": "completed",
  "data": {
    "lead_insurer": "Northwind Insurance",
    "policy_number": "FLT0048213",
    "policy_start_date": "2026-04-01",
    "vehicles": [
      {
        "registration": "AX71 KTP",
        "vehicle_type": "Van",
        "make": "Ford",
        "model": "Transit Custom",
        "on_cover_date": "2026-04-01",
        "off_cover_date": "2027-03-31"
      }
    ],
    "count": 1
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

Navigate’s own options

MIB's current Navigate guides for policyholders describe no API. You keep vehicle records up to date by hand in Update Vehicle or by uploading a CSV built from the Standard File Template in File Transfer, and you can download a vehicle schedule as CSV. MIB also documents SFTP for uploading Motor Insurance Policy Data files and collecting results files.

Read on November 12, 2026: Navigate Policyholder User Guide, Navigate SFTP User Guide, Navigate user guides and FAQs.

Signing in to Navigate

Navigate's username is your email address, with a password and a security question. Two-step authentication sends a verification code by text message to a nominated mobile number, and is asked for again every 28 days on the same device and browser. With Fous you sign in once through Navigate's own sign-in with your own account, and the login is sealed with AES-256.

Worth knowing

Taking a vehicle off cover changes one date

Change only the off-cover date. Amending other details creates a duplicate record, so for a wrong registration you use Remove vehicle added in error and then Add Vehicle.

File results arrive after the upload

A submitted file gets a File Request ID and a Results File email. The File Transfer screen shows today's files from every user in your organisation by default, and files up to 40 days back.

Policies are seen one lead insurer at a time

If more than one insurer covers you, you choose the lead insurer after selecting the product and switch with the toggle at the top of the page.

Your insurer's helpdesk manages accounts

Extra users, a changed email address and named driver or Class of Use details go through your insurer's helpdesk. An account unused for 90 days is locked and deleted after 180 days.

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