RACV Insurance

You can connect your MCP clients to the RACV Insurance MCP Server to access vehicle lookups, postcode risk assessment, and insurance quote generation. This server exposes a remote HTTP MCP endpoint and can also be run locally for development and testing, enabling you to guide users through obtaining car insurance quotes using an AI assistant.

How to use

You will connect an MCP client to the RACV Insurance MCP Server using either the remote HTTP endpoint or a local, self-hosted instance. Once connected, you can access these tools in conversation with the AI assistant: look up a vehicle by its registration, fetch postcode risk zones, generate a full insurance quote, and compare all three cover levels side-by-side. Use natural language prompts such as requesting a vehicle lookup, asking for a quote with specific car details, or requesting a cover comparison. Your client will dispatch tool requests to the server and present the results to you.

How to install

Prerequisites: you need Node.js and npm installed on your system. Ensure you have network access to reach the remote MCP endpoint if you plan to use the online server.

# Self-hosted server setup
git clone <repo-url>
cd insurance-mcp
npm install
npm run build
npm start

# Or, for a development workflow that mirrors the remote server usage
# Start the server in development mode (if the project provides this mode)
npm run dev

Connecting to the MCP server from clients

Remote HTTP access is provided via the following endpoint. Use this URL in your MCP client configuration as the target for the racv-insurance server.

{
  "mcpServers": {
    "racv-insurance": {
      "type": "http",
      "url": "https://insurance-mcp-wdzz.onrender.com/mcp",
      "args": []
    }
  }
}

Self-hosting notes

To run locally, follow the build and start flow described in the setup steps. The server will bind to all interfaces on port 3000 by default unless you override the port with an environment variable.

Environment variables and configuration

The server supports controlling its listening port and including test data for development. The following environment variables are documented for testing and deployment.

# Port the server should listen on (default 3000)
PORT=3000

# Optional test registration number for quick test responses
TEST_REGO=TOYOTA-2021

Available tools

lookup_vehicle

Find vehicle by Victorian registration number using the vehicle database.

get_postcode_risk

Get risk zone information for a Victorian postcode from postcode zones data.

generate_quote

Calculate a full insurance premium using the rating engine with vehicle, usage, driver, and cover details.

compare_cover_levels

Compare the three cover types (Comprehensive, Third-Party Property Damage, and Third-Party Fire & Theft) side-by-side using the rating engine.