# Keep your Navigate vehicle records in your own systems

> Read the vehicles on a fleet policy, check one registration's cover dates and see your File Transfer results in Navigate with one API call each. A workflow can email you each day's rejected files and post the week's cover changes to your fleet system.

Page: https://fous.com/automate/navigate
Updated: 2026-11-12

Works with your own Navigate account. Fous is an independent product.

## What you can build on Navigate

### Get the vehicles on a policy

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

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

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

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](/product/workflows) 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

Starts: Every day at 8:00

1. Get the File Transfer results for files submitted yesterday.
2. Keep the files that are Rejected or that carry error or warning codes.
3. Email you each File Request ID with its codes, policy numbers and registrations.

### Weekly changes to the vehicles on cover

Starts: Every Monday at 7:00

1. For each policy you name, get the vehicles that are On Cover Only.
2. Keep the vehicles added or taken off cover since the last run.
3. Post each change, with registration and cover dates, to your fleet system's webhook.

### Cover check before a new vehicle goes out

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

1. Check the vehicle's cover dates on that policy.
2. Stop when it is on cover today.
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](/product/methods), 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.

Example request:

```
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"
    }
  }'
```

Example response:

```
{
  "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.

| Option | What it covers | What it takes |
| --- | --- | --- |
| Standard File Transfer | A CSV of New, Amend and Delete vehicle records, uploaded in File Transfer. A Results File email gives the File Request ID and any error codes. | A Navigate account and the Standard File Template, saved as .csv. |
| SFTP | Uploads Motor Insurance Policy Data files to /to_xpn and collects results files, with those of the last 40 days in /previous_results_files. | An SFTP account requested by MIB's credentials form, an SSH key, and separate accounts for testing and production. |
| Navigate by hand | Update Vehicle to add, update and remove vehicles one at a time, Download Vehicle Schedule as CSV, and File Transfer statuses. | A policyholder account set up by your insurer's helpdesk. |

Read on November 12, 2026: [Navigate Policyholder User Guide](https://www.mib.org.uk/media/hi5j0bgn/navigate-policyholder-user-guide-v1.pdf), [Navigate SFTP User Guide](https://www.mib.org.uk/media/b2splqb0/navigate-sftp-user-guide-v2-june-2024.pdf), [Navigate user guides and FAQs](https://www.mib.org.uk/replatforming/).

## 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.

## More in Insurance

- [Allianz Maklerportal](https://fous.com/automate/allianz-maklerportal.md)
- [Aviva Broker](https://fous.com/automate/aviva-broker.md)
- [AXA Connect](https://fous.com/automate/axa-connect.md)
- [PPL](https://fous.com/automate/ppl.md)
- [HealthSherpa](https://fous.com/automate/healthsherpa.md)
- [Covered California Enroller Portal](https://fous.com/automate/covered-california-enroller-portal.md)
- [HealthCare.gov for agents and brokers](https://fous.com/automate/healthcare-gov-for-agents-and-brokers.md)
- [HealthEquity employer portal](https://fous.com/automate/healthequity-employer-portal.md)
- [Optum Financial employer portal](https://fous.com/automate/optum-financial-employer-portal.md)
- [WEX Benefits employer portal](https://fous.com/automate/wex-benefits-employer-portal.md)
- [NIPR](https://fous.com/automate/nipr.md)
- [Aflac Business Services](https://fous.com/automate/aflac-business-services.md)
- [National General agent portal](https://fous.com/automate/national-general-agent-portal.md)
- [Travelers for Agents](https://fous.com/automate/travelers-for-agents.md)
- [Nationwide Agent Center](https://fous.com/automate/nationwide-agent-center.md)
- [The Hartford EBC](https://fous.com/automate/the-hartford-ebc.md)
- [Citizens PolicyCenter and myAgency](https://fous.com/automate/citizens-policycenter-and-myagency.md)

Other industries: [PACER](/automate/pacer), [ACE Secure Data Portal](/automate/ace-secure-data-portal), [Fidelity Wealthscape](/automate/fidelity-wealthscape), [易港通](/automate/eporthub), [Highway](/automate/highway), [SupplyOn](/automate/supplyon).

## Frequently asked questions

### Does Navigate have an API?

Not one that MIB documents for policyholders. Its current guides cover Update Vehicle by hand, Standard File Transfer of a CSV in the portal, Download Vehicle Schedule as CSV, and SFTP for Motor Insurance Policy Data files with an account requested from MIB.

### How do I take a vehicle off cover in Navigate?

Open the vehicle in Update Vehicle, change only its off-cover date and submit. Amending other details creates a duplicate record. A vehicle added in error is taken out with Remove vehicle added in error.

### How can I tell whether my file transfer loaded?

Check the Results File email or open the File Request ID on the File Transfer screen. A clean load says "THIS FILE HAS BEEN SUCCESSFULLY LOADED"; otherwise it lists error and warning codes to act on, and you can export the results file as CSV.

### How do I add another user to our Navigate account?

Ask your insurer's helpdesk, which creates additional policyholder users. An email address cannot be changed in Navigate either: the helpdesk sets up a new account.

### Is Fous affiliated with the Motor Insurers' Bureau?

No. Fous is an independent product. You use it with your own Navigate account, and a method reads and does only what that account can.

Fous is an independent product: it is not affiliated with, endorsed by or sponsored by the operator of Navigate (Motor Insurers' Bureau (MIB)). The name is used only to say which system this page is about. Something here wrong or out of date? Write to legal@fous.com.