FA-62864 / Insurance premium rating / Member archive

Personal auto multiplicative rating: Minimum premium is enforced before the multi-car discount · case 04

A discounted small policy is charged less than the 30000-cent minimum premium.

Member previewVariant 4 · 3 implementations · 15 checks per implementation

Case contract

Input dict base, territory (A/B/C factors 1.00/1.15/1.30, else 'invalid territory'), age (<16 'invalid age'; 16-24 factor 1.50; 25-64 1.00; 65+ 1.20), symbol s with factor 1+0.05*(s-1), cars (>=2 gives 10% discount), fee. Rated premium = base*factors*discount rounded half-up to a cent once, then a 30000-cent minimum, then the fee is added.

Why this case matters

Premium rating engines apply ordered tabular rules where one misplaced boundary or step silently misprices policies.

One recorded failure

Sample boundary fixture

This sample comes from the broken implementation of a controlled reproducer.

Boundary fixture	Actual	Expected	Outcome
discounted policy below minimum	`29674`	`32500`	Failed

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