No Claims Bonus Protection Step Lookup
Read actual current no-claims bonus through caller verified protected/unprotected claim transition maps; not inferred step count, premium protection or universal insurer rules.
Description
No-claims protection selects a verified claim transition from the current bonus step.
No-claims protection selects a verified claim transition from the current bonus step. Protecting the step need not protect the premium itself.1
The returned values include Caller claim next bonus step id, Caller unprotected next bonus step id. The How section below explains the calculation, input rules and interpretation.
When to use No Claims Bonus Protection Step Lookup
Use No Claims Bonus Protection Step Lookup when you need to evaluate the supplied records under the calculation and evidence rules below. No default step count, premium guarantee or universal insurer rule is supplied.
Prepare the observed policy, claim or quote evidence and independently verified policy tables. Monetary fields use integer minor units in one currency: for a currency with 100 minor units per major unit, enter 12345 for 123.45. One basis point is 0.01 percentage points, so 10000 basis points represents 100%.
How to use No Claims Bonus Protection Step Lookup and understand its results
- Prepare the observed policy, claim or quote evidence and independently verified policy tables. Monetary fields use integer minor units in one currency: for a currency with 100 minor units per major unit, enter 12345 for 123.45. One basis point is 0.01 percentage points, so 10000 basis points represents 100%.
- Enter callerBonusStepIds, callerUnprotectedClaimNextStepIds, callerProtectedClaimNextStepIds, observedCurrentBonusStepId, callerProtectionEndorsementVerified using the field table and calculation rules, then run the tool.
- Read callerClaimNextBonusStepId, callerUnprotectedNextBonusStepId. The explanation below defines the units, signs, ordering and any flags or placeholder values.
- If the tool reports an input issue, correct the values and run it again. Apply the stated assumptions when interpreting a successfully returned result.
| Input field | Meaning | Value type; see rules below | Requirement |
|---|---|---|---|
| callerBonusStepIds | Caller bonus step ids | list of string | Required |
| callerUnprotectedClaimNextStepIds | Caller unprotected claim next step ids | list of string | Required |
| callerProtectedClaimNextStepIds | Caller protected claim next step ids | list of string | Required |
| observedCurrentBonusStepId | Observed current bonus step id | string | Required |
| callerProtectionEndorsementVerified | Caller protection endorsement verified | boolean | Required |
Enter aligned nonempty unique nonblank step IDs and protected/unprotected next-step IDs, an exact current step and a protection-verification boolean. Every destination in both maps must be a catalog step. Return selected next step and unprotected alternative.
nextStep=protected?protectedTransition[current]:ordinaryTransition[current] Units, indexing, boundary conditions and exceptional cases are defined in the calculation rules above.
| Output field | Meaning | Value type |
|---|---|---|
| callerClaimNextBonusStepId | Caller claim next bonus step id | string |
| callerUnprotectedNextBonusStepId | Caller unprotected next bonus step id | string |
{
"input": {
"callerBonusStepIds": [
"a",
"b",
"c"
],
"callerUnprotectedClaimNextStepIds": [
"b",
"c",
"c"
],
"callerProtectedClaimNextStepIds": [
"a",
"b",
"c"
],
"observedCurrentBonusStepId": "b",
"callerProtectionEndorsementVerified": true
},
"output": {
"callerClaimNextBonusStepId": "b",
"callerUnprotectedNextBonusStepId": "c"
}
}Limitations and assumptions
No default step count, premium guarantee or universal insurer rule is supplied.
Numeric inputs, where present, must be finite. Follow the calculation-specific rules for overflow, underflow and exceptional cases. Numeric lists are limited to 10,000 entries; string lists to 128 strings of at most 128 characters each. The rules above may impose smaller limits. Extremely large text inputs are rejected. Missing required fields, extra fields, wrong value types and violations of the calculation rules are input errors.
Alternative or Complementary methods
Use Accident Forgiveness First Checker: Forgiveness inventory depends on prior usage, lifetime slots and verified endorsement. A zero-current-accident comparison can pass even with no slots. For a complementary task, use At Fault Surcharge Percent Table Lookup: At-fault surcharge tiers operate on already rated accident evidence. Selecting a tier cannot determine liability.
References
-
No Claims Bonus Protection Step Lookup — tool.io
Similar or alternative tools
- Accident Forgiveness First Checker
Forgiveness inventory depends on prior usage, lifetime slots and verified endorsement. A zero-current-accident comparison can pass even with no slots.
- At Fault Surcharge Percent Table Lookup
At-fault surcharge tiers operate on already rated accident evidence. Selecting a tier cannot determine liability.