> ## Documentation Index
> Fetch the complete documentation index at: https://docs.axle.insure/llms.txt
> Use this file to discover all available pages before exploring further.

# Policy events

> This guide will walk you through the various Policy events that may occur when monitoring an insurance policy.

Once an insurance policy is connected through an Ignition session, Axle can monitor that policy for updates. These updates will trigger events that are sent from Axle to your systems via webhook or to your organization via communication channels such as email.

<Info>
  Policy events are only sent for insurance policies connected through Axle
  Ignition sessions that are configured with `monitoring` enabled. Please
  contact the Axle team if you would like to enable this feature!
</Info>

## Webhooks

<Tip>
  You must specify a `webhookUri` when generating an Ignition token to receive
  webhook events. See [Start Ignition](/api-reference/ignition/start-ignition)
  for more details.

  <Snippet file="custom-webhooks.mdx" />
</Tip>

A `POST` request will be sent to the `webhookUri` with the following payload. All events will include `client`, `account`, `ref` (Policy object identifier), `user` (optionally specified when generating Ignition token), and `metadata` (optionally specified when generating Ignition token).

```json Example webhook payload theme={null}
{
  "id": "<event_id>",
  "type": "policy.modified",
  "data": {
    "client": "<client-id>",
    "account": "<account-id>",
    "ref": "pol_Z4ni-JHBvkn9PlKJHPEwk",
    "user": {},
    "metadata": {},
    ...{ parameters }
  },
  "createdAt": "2022-10-05T14:48:00.000Z"
}
```

### policy.modified

This event type indicates details on the Policy changed. Refer to [Policy](/api-reference/policies/policy) for more details on the fields that can be modified.

<Note>
  {" "}

  Axle performs safety checks on policy modifications before sending a `policy.modified`
  event. This may cause a short delay between when policy information was refreshed
  from the carrier and when you receive notification of the event.{" "}
</Note>

### policy.renewal-available

This event type indicates renewal policy is available for retrieval. Refer to [Policy](/api-reference/policies/get-policy#parameter-term) for more details on available options and how to retrieve it.

<Note>
  {" "}

  If the Get Policy API endpoint returns a 404, it means no renewal policy is available. We recommend calling the API again without the `term` query parameter OR passing in `term=current` as a query parameter.
</Note>

#### Special Policy Changes

<AccordionGroup>
  <Accordion title="Policy isActive changes to null">
    If a `policy.modified` [event](/guides/policy-events) indicates that a policy’s `isActive` field has changed to `null`, then
    the policy may have been removed from the account. It is recommended to reach out to the user to re-connect the policy for the existing
    account or link a new account.
  </Accordion>
</AccordionGroup>