Enter password to access the rating engine
Enter password to access the rating engine
Rating Engine
| Category | Rate (%) | Safe Eligible | Location Loaded | Risk Level |
|---|
| Postcode | Loading |
|---|
Define security levels and their maximum sum insured thresholds. If the total SI exceeds a level's threshold, a referral is triggered as security is inadequate.
Jewellery Rating is 10× the cash rating of the safe (e.g. £2,000 cash = £20,000 jewellery). 125% Allowance is the maximum safe-eligible SI this grade covers (125% of the jewellery rating). If eligible SI exceeds the allowance, a referral is triggered.
| Safe Grade | Jewellery Rating £ | 125% Allowance £ |
|---|
Voluntary excess tiers and their premium discount. Higher excess = larger discount. The discount is applied to the sum insured premium after claims loading.
| Amount £ | Discount % |
|---|
Promotional discount codes. When a valid code is entered at quote time, the discount % is applied after the excess discount.
| Code | Discount % |
|---|
| Occupation | Risk Level | Referral |
|---|
| Industry | Risk Level | Referral |
|---|
Weights control how much each factor contributes to the overall risk score (0–10). All weights should total 100%. Each factor is scored High=10, Medium=5, Low=1 then multiplied by its weight.