FA-62908 / Insurance premium rating / Member archive

Deductible credit interpolation: Zero deductible is rejected as invalid · case 03

A full-coverage zero-deductible quote returns invalid.

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Case contract

Input premium, deductible and table [[deductible, credit per mille]] ascending (credits may be negative surcharges). Deductibles at or below the first row take its credit, at or above the last row take the last credit (no extrapolation), otherwise interpolate linearly. Credit cents = floor(prem*c/1000+1/2). Negative deductible or empty table -> 'invalid'. Return [credit, premium-credit].

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
zero deductible uses lowest row	`"invalid"`	`[-2079, 299096]`	Failed

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