RACV Insurance MCP Server

An MCP (Model Context Protocol) server that provides RACV motor insurance quoting tools. Connect it to Claude Desktop, Claude Code, or Claude.ai and let the AI guide users through getting a car insurance quote.

Architecture

Claude Desktop / Claude Code / Claude.ai
    |  (MCP protocol over HTTPS)
    v
Express server (https://insurance-mcp-wdzz.onrender.com/mcp)
    |-- lookup_vehicle       -> Vehicle Database
    |-- get_postcode_risk    -> Postcode Zones
    |-- generate_quote       -> Rating Engine
    |-- compare_cover_levels -> Rating Engine x3
    '-- insurance-quote-assistant (prompt)

Quick Start

Claude Code (remote)

claude mcp add --transport http racv-insurance https://insurance-mcp-wdzz.onrender.com/mcp

Claude Code (local)

# Clone and start the server
git clone <repo-url> && cd insurance-mcp
npm install
npm run dev

# In another terminal
claude mcp add --transport http racv-insurance http://localhost:3000/mcp

Claude Desktop

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "racv-insurance": {
      "url": "https://insurance-mcp-wdzz.onrender.com/mcp"
    }
  }
}

Claude.ai

Go to Settings > Connectors > Add MCP Server and enter:

https://insurance-mcp-wdzz.onrender.com/mcp

Team Sharing (.mcp.json)

Drop this file in your repo root to share with your team:

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

Available Tools

Tool	Description	Key Inputs
lookup_vehicle	Find vehicle by Victorian registration number	registration: "ABC123"
get_postcode_risk	Get risk zone for a Victorian postcode	postcode: "3000"
generate_quote	Calculate a full insurance premium	vehicle, usage, driver, cover objects
compare_cover_levels	Compare all 3 cover types side-by-side	vehicle, usage, driver details

Example Conversations

Once connected, try asking Claude:

• "Look up rego ABC123"
• "Get me a quote for a 2022 Toyota Corolla worth $28,000, garaged in Richmond 3121"
• "Compare all cover levels for my car"

Self-Hosting

git clone <repo-url>
cd insurance-mcp
npm install
npm run build
npm start

The server binds to 0.0.0.0 on PORT (default 3000).

Environment Variables

Variable	Description	Default
PORT	Server port	3000
TEST_REGO	Test registration number (returns a Toyota Corolla 2021)	—

Development

npm run dev          # Start with hot reload (tsx)
npm test             # Run unit tests
npm run test:watch   # Watch mode
npm run build        # Compile TypeScript to dist/

Project Structure

src/
  server.ts                        # Express + MCP server entry point
  lib/rating-engine/
    calculator.ts                  # Premium calculation engine
    multipliers.ts                 # 8 rating factor functions
    discounts.ts                   # Discount logic (capped at 35%)
    postcode-zones.ts              # Victorian postcode risk mapping
    vehicle-database.ts            # Demo vehicle lookup
    types.ts                       # TypeScript interfaces
tests/unit/
    rating-engine.test.ts          # 18 calculator tests
    postcode-zones.test.ts         # 7 postcode tests
    vehicle-database.test.ts       # 6 vehicle lookup tests

How It Works

The rating engine calculates premiums by multiplying a base rate by 8 independent factors:

Factor	Range
Driver age	0.9x - 2.5x
Vehicle age	0.75x - 1.2x
Vehicle value	0.8x - 2.0x (Comprehensive only)
Postcode risk	0.85x - 1.15x
Claims history	0.85x - 1.7x
Night parking	0.9x - 1.1x
Annual km	0.9x - 1.15x
Licence type	1.0x - 2.2x

Discounts (up to 35%): online quote (3%), RACV member (5%), multi-policy (10%), no-claims bonus rating 6+ (15%), dash cam (2%).

Monthly payments include a 5% loading.