{"version":"2026.10-demo.1","illustrative":true,"disclaimer":"Illustrative demo tariff. NOT OP Pohjola's or any insurer's real pricing.","currency":"EUR","tax_rate":0.24,"quote_validity_days":30,"liability":{"base":420,"min":90,"factors":[{"key":"age","label":"Policyholder age","type":"range","input":"age","bands":[[18,24,1.8],[25,29,1.3],[30,64,1.0],[65,74,1.1],[75,200,1.3]]},{"key":"region","label":"Home region (postcode area)","type":"table","input":"region","map":[1.2,1.05,1.05,1.0,1.0,0.95,0.95,0.95,0.9,0.9]},{"key":"power","label":"Engine power","type":"range","input":"power_kw","bands":[[0,80,0.95],[81,130,1.0],[131,200,1.15],[201,100000,1.35]]},{"key":"km","label":"Annual kilometres","type":"range","input":"km_per_year","bands":[[0,9999,0.85],[10000,19999,1.0],[20000,29999,1.15],[30000,1000000,1.3]]},{"key":"young","label":"Driver under 25","type":"flag","input":"young_driver","value":1.25},{"key":"novice","label":"Licence under 2 years","type":"flag","input":"novice","value":1.2}],"bonus":{"by_claim_free_years":[40,53,60,64,67,70,72,74,76,78,80],"claims_override":{"1":30,"2":10}}},"casco":{"partial_rate":0.009,"collision_rate":0.036,"min":60,"partial_deductible":150,"factors":[{"key":"vage","label":"Vehicle age","type":"range","input":"vehicle_age","bands":[[0,3,1.1],[4,9,1.0],[10,15,0.9],[16,1000,0.8]]},{"key":"park","label":"Overnight parking","type":"table","input":"parking","map":{"garage":0.9,"carport":0.95,"street":1.0}},{"key":"ev","label":"Electric powertrain","type":"table","input":"powertrain","map":{"electric":1.05,"petrol":1.0,"diesel":1.0,"hybrid":1.0}}],"collision_age_factor":"liability.age","deductible":{"150":1.15,"300":1.0,"450":0.92,"600":0.85},"bonus":{"start":70,"per_claim":20,"min":0}},"addons":{"glass":{"label":"Glass cover","price":36},"replacement_car":{"label":"Replacement car","price":48},"roadside":{"label":"Roadside assistance","price":24,"free_with":"full"}},"telematics_discount":0.1,"underwriting":[{"code":"R01","outcome":"reject","when":[["age","<",18]],"message":"The policyholder must be at least 18 years old."},{"code":"R02","outcome":"reject","when":[["claims_3y",">=",3]],"message":"Too many at-fault claims in the last 3 years for an online purchase."},{"code":"R03","outcome":"reject","when":[["power_kw",">",300],["age","<",25]],"message":"High-performance cars can't be insured online for drivers under 25."},{"code":"R04","outcome":"reject","when":[["casco","=","full"],["vehicle_age",">",15]],"message":"Full casco is available for cars up to 15 years old. Partial casco is still available.","alternative":{"casco":"partial"}},{"code":"R05","outcome":"reject","when":[["casco","=","partial"],["vehicle_age",">",25]],"message":"Partial casco is available for cars up to 25 years old. Motor liability alone is still available.","alternative":{"casco":"none"}},{"code":"F01","outcome":"refer","when":[["vehicle_value",">",100000]],"message":"High-value vehicles are reviewed by an underwriter."},{"code":"F02","outcome":"refer","when":[["claims_3y","=",2],["age","<",25]],"message":"Your claims history needs a quick manual review."},{"code":"F03","outcome":"refer","when":[["licence_years","=",0],["casco","=","full"],["vehicle_value",">",40000]],"message":"New drivers with high-value cars are reviewed manually."},{"code":"F04","outcome":"refer","when":[["total",">",5000]],"message":"Large premiums are confirmed by an underwriter."}]}