Test a rater

Use independent rating examples to check premium correctness. Compiler checks and packaged expectations provide separate evidence about the implementation.

Load the example rater

from relativities import Program, Rater

folder = Program.download("effective://example-ca-ppa", "example-ca-ppa/")
rater = Rater.load(folder)

To test a rater that you are writing, compile it from its source with Rater.build("dwelling/rater.rsl"). Rater.build takes the .rsl file or its folder, and Rater.load takes a packaged bundle. The example program is synthetic. The following expected annual premiums come from its rate tables and a hand calculation. Expand Example policy inputs and copy the inputs before running the checks.

Example policy inputs

Copy these inputs for a driver with 24 years licensed and one vehicle:

driver = {"number": 1, "years_licensed": 24, "marital_status": "single", "good_student": False, "financial_responsibility_filing": False, "incidents": []}
vehicle = {"number": 1, "garaging_zip": "92683", "make_model": "HONDA/ODYSSEY", "vehicle_age": 7, "annual_mileage": 12000, "use": "commute", "rideshare": False, "anti_theft": "none", "bodily_injury_limit": "30/60", "property_damage_limit": "15", "combined_single_limit": False, "uninsured_motorist_property_damage": False, "collision_deductible_waiver": False, "roadside": False, "loan_gap": False, "custom_equipment_limit": 0}
policy = {"Policy": {"multi_policy": False, "years_with_us": 0, "drivers": [driver], "vehicles": [vehicle]}}
multi_policy = {"Policy": {**policy["Policy"], "multi_policy": True}}

Compare independent premiums

Step	Bodily injury	Property damage
Base rate	550	358
Territory `orange_ventura`	× 1.02	× 1.02
Liability symbol 1	× 0.90	× 0.92
24 years licensed	× 0.90	× 0.90
Limits 30/60 and 15	× 0.80	× 0.88
Good Driver	× 0.8	× 0.8
Rounded to the dollar	291	213
With the multi-policy factor 0.9	262	192

Every other factor is 1. The annual premium is 504, or 454 with the multi-policy discount.

cases = [(policy, 504), (multi_policy, 454)]
results = rater.rate([request for request, _ in cases]).to_pandas()
assert results["premium"].tolist() == [expected for _, expected in cases], results

The assertion checks both premiums against the independent expectations.

Check boundaries and business rules

Add cases at both sides of rating bands, such as annual mileage 12,500 and 12,501. Test each business rule with a request that breaks it, then compare the returned code:

rideshare = {
    **policy,
    "Policy": {
        **policy["Policy"],
        "vehicles": [{**vehicle, "rideshare": True}],
    },
}
refused = rater.rate(rideshare).to_pandas()
assert refused["status"].item() == "refused"
assert refused["reason_code"].item() == "RIDESHARE"

Use rater.explain(policy) to inspect inputs, factors, and rounding when a result differs from its expectation.

Check packaged expectations

program = Program.load(folder)
comparison = program.check()
comparison["matches"].all()  # True

Packaged expectations detect changes to previously recorded results. Independent cases establish whether selected premiums follow the intended rating rules.

Next step

Validate a program before comparing real quotes or full books. Record the rating inputs, effective dates, coverage terms, fees, and any unresolved differences.

Get started

Tutorials

Implement a filing

Quote and underwrite

Concepts

Reference

Test a rater

Load the example rater

Compare independent premiums

Check boundaries and business rules

Check packaged expectations

Next step

​Load the example rater

​Compare independent premiums

​Check boundaries and business rules

​Check packaged expectations

​Next step

Load the example rater

Compare independent premiums

Check boundaries and business rules

Check packaged expectations

Next step