Why did a request finish with no quotes?

A quote request with no quotes ends in one of two ways:

It completes with the reason no_quotes. Carriers made a decision about this applicant. At least one carrier declined or answered missing_information, or the run returned no offers. In that last case, market_outcomes can be empty, as in the auto-no-offers sandbox scenario.
It fails. Nothing was decided. No carrier answered with a quote, a decline, or missing information before the run ended, or Truvo couldn’t start the run. The reason and failure.code say which: no_quotes_by_deadline or quote_run_not_started. Send the request again later with a new Idempotency-Key.

A request still completes with no_quotes when one carrier declined and every other carrier reads no_answer or failed. Those carriers made no decision, and a new request later can still get quotes from them, so check market_outcomes for no_answer and failed.

If the request leaves out a required fact, Truvo doesn’t start it at all. POST /v1/quote-requests answers 422 with the code needs_information, and field_errors lists each missing fact. See What facts does each line need?.

How carriers answered

market_outcomes shows how carriers answered, with each carrier’s name in source. A carrier without a quote has one of these outcomes:

Outcome	What it means	What to do
`decline`	The carrier answered without a quote for this applicant.	Show the quotes from the other carriers.
`missing_information`	The carrier needs a fact that the request didn’t give.	Ask the person for more of the line’s facts, then send a new quote request.
`failed`	The carrier was unavailable or returned an error.	Send a new quote request later, with a new `Idempotency-Key`.
`no_answer`	The carrier gave no answer before the run ended. The run ends at the collection deadline, currently 60 seconds, or earlier, for example on an error.	Send a new quote request later, with a new `Idempotency-Key`.

While the request is still running, a carrier that hasn’t answered yet reads unknown. When the request finishes, that carrier reads no_answer.

Test it in the sandbox

Each line has scenarios for these results, such as auto-decline, auto-no-offers, and auto-no-answer. See Sandbox scenarios.