FA-63320 / Insurance premium rating / Member archive

Usage-based auto telematics discount: The 10000-mile boundary is surcharged · case 05

A vehicle driven exactly 10000 miles is placed in the higher band.

Member previewVariant 5 · 3 implementations · 8 checks per implementation

Case contract

Input base, annual_miles (bands <=5000 0.85, <=10000 1.00, <=15000 1.10, else 1.25), trips [[miles, hard brakes]], min_trips. With at least min_trips trips: bp = total brakes per 100 total miles; discount = clamp(300-50*bp, -100, 300) per mille. Fewer (but some) trips: 50 per mille participation discount; none: 0. Premium = base*band*(1000-discount)/1000 half-up.

Why this case matters

Telematics programs mix mileage bands with behaviour scores and participation rules.

One recorded failure

Sample boundary fixture

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

Boundary fixture	Actual	Expected	Outcome
mileage 10000 boundary	`152051`	`138228`	Failed

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