Predictika · Personal marine insurance quotes
An AI sales agent prepares a personal marine insurance quote: the product, the vessel's length, age, value and top speed, the settlement, charter or live-aboard use, ownership, ice and windstorm cover, the deductible and liability limit and the annual premium it states in cents. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the underwriting rules and returns a verdict, every reason and the premium it computed.
This validator models marine insurance quotes of this kind, not just the scenarios shown below.
Any marine quote that touches these rules is in scope — not only the scenarios pictured here. The product lines and several coverage rules follow Markel's public pages; the size bands, speed limits, survey age, value caps, approval thresholds, option sets and all rates and premiums are modeled from comparable marine policies and not published by Markel, so the amounts on this page are illustrative. Premiums are in cents.
6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch
Illustrative agent statement. The validator receives the structured request below.
Proposing agent: AI sales agent (scripted)
Before sending, the agent must call Recorded run
What this means
Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.
| What the validator caught | Typical rules-based CPQ | Predictika |
|---|---|---|
| Limits that depend on the product | Only with care Each product has its own length and speed range and its own value cap, and several coverages exist on some products only. | The product, length, speed and value are fields of one quote and are checked together. |
| Coverages with conditions | Only with workarounds Replacement cost, charter, live-aboard, ice, windstorm and paid crew each depend on the product, the vessel's age or something the owner must disclose. | Every condition is its own rule and is evaluated on every call. |
| Credits and underwriter review | Only with care Credits from deductibles, lay-up and windstorm exclusion add up to a cap, and values, speeds and charter use above a level need an underwriter. | The credits are added and compared with the cap, and every review condition is evaluated on each call. |
| A premium built from many parts | Only with workarounds The premium combines hull, liability and add-ons, then the credits, so it must be computed before it can be compared with the premium stated. | The premium is computed on every call and compared with the premium stated in the quote. |
| Every problem returned in one answer | Only with workarounds Rules tend to fire as a step is saved or completed, so a person often fixes one error and meets the next. | All findings come back together, whatever order the choices arrived in. |
Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.
| 1 | A vessel of 27 ft is outside the length range of the chosen product (personal watercraft up to 16 ft, Boat 26 ft or less, Yacht over 26 ft, High performance boat 20 ft or more). |
| 2 | A vessel of 26 ft is outside the length range of the chosen product (personal watercraft up to 16 ft, Boat 26 ft or less, Yacht over 26 ft, High performance boat 20 ft or more). |
| 3 | A vessel of 18 ft is outside the length range of the chosen product (personal watercraft up to 16 ft, Boat 26 ft or less, Yacht over 26 ft, High performance boat 20 ft or more). |
| 4 | High performance boat cover starts at 66 mph; this vessel tops out at 65 mph. |
| 5 | High performance boat cover goes up to 120 mph; this vessel tops out at 125 mph. |
| 6 | A high performance boat that tops out at 110 mph needs underwriter review of the operator and racing use. |
| 7 | A Boat or Yacht policy covers speeds up to 65 mph; this vessel tops out at 70 mph and needs the High performance boat product. |
| 8 | A 30 year old yacht needs a marine survey for hull cover; only liability-only cover is written without one. |
| 9 | Replacement cost settlement applies only to personal watercraft up to 3 years old; this vessel is 4 years old or is not a personal watercraft. |
| 10 | Replacement cost settlement applies only to personal watercraft up to 3 years old; this vessel is 2 years old or is not a personal watercraft. |
| 11 | Limited charter cover is offered on yachts only. |
| 12 | Charter cover needs a captain with at least 2 years of loss-free yachting experience; the captain has 1. |
| 13 | Limited charter cover carries additional restrictions; an underwriter should confirm the charter terms. |
| 14 | Live-aboard use must be disclosed on the application. |
| 15 | A live-aboard owner needs the personal liability extension reviewed by an underwriter. |
| 16 | A corporately titled vessel needs a named designee. |
| 17 | Ice and freezing damage is covered only if winterization was done by a commercial marina or repair facility. |
| 18 | Personal watercraft policies are year-round, so the lay-up credit does not apply. |
| 19 | The windstorm exclusion is only for low-hurricane-risk areas; this vessel is kept in a named-storm zone. |
| 20 | Paid crew (Jones Act) cover is offered on yachts only. |
| 21 | A deductible of 4 percent is not offered; choose 1, 2, 3 or 5 percent. |
| 22 | A liability limit of 750 thousand dollars is not offered; choose 300, 500, 1,000 or 2,000. |
| 23 | An insured value of 9,000 thousand dollars is outside what this product writes (up to 8,000 thousand). |
| 24 | An insured value of 9,000 thousand dollars is above the level the agent can bind; an underwriter should approve it. |
| 25 | An insured value of 45 thousand dollars is outside what this product writes (up to 40 thousand). |
| 26 | The deductible, lay-up, windstorm and other credits add up to 36 percent; the cap is 35 percent. |
| 27 | The quote states an annual premium of 123,456 cents; the illustrative rates give 905,400 cents. |
| 28 | An insured value of 3,000 thousand dollars is above the level the agent can bind; an underwriter should approve it. |
| 29 | A yacht 50 years old needs underwriter approval of the survey before hull cover is bound. |
| 30 | A high performance boat that tops out at 105 mph needs underwriter review of the operator and racing use. |
| 31 | A liability limit of 2,000 thousand dollars on a personal watercraft or boat needs underwriter approval. |
| 32 | A vessel of 20 ft is outside the length range of the chosen product (personal watercraft up to 16 ft, Boat 26 ft or less, Yacht over 26 ft, High performance boat 20 ft or more). |
| 33 | A Boat or Yacht policy covers speeds up to 65 mph; this vessel tops out at 80 mph and needs the High performance boat product. |
| 34 | Charter cover needs a captain with at least 2 years of loss-free yachting experience; the captain has 0. |
The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.
The agent's request. Please quote a yacht of 20 ft, 8 years old, insured for 900 thousand dollars, with a top speed of 80 mph, agreed value settlement, a 4 percent deductible and a liability limit of 500 thousand dollars, with limited charter use with a captain of 0 years of experience, live-aboard use, a corporate owner and a completed survey. The quote states an annual premium of 500,000 cents. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a yacht of 48 ft, 8 years old, insured for 900 thousand dollars, with a top speed of 28 mph, agreed value settlement, a 2 percent deductible and a liability limit of 500 thousand dollars, with limited charter use with a captain of 2 years of experience, live-aboard use that is disclosed, a corporate owner with a named designee and a completed survey, approved by an underwriter. The quote states an annual premium of 1,055,400 cents. It is ready to send.
Verdict: Needs approval.
The agent's request. Please quote a personal watercraft of 18 ft, 4 years old, insured for 45 thousand dollars, with a top speed of 55 mph, replacement cost settlement, a 3 percent deductible and a liability limit of 2,000 thousand dollars, with the lay-up credit. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a personal watercraft of 12 ft, 2 years old, insured for 14 thousand dollars, with a top speed of 55 mph, replacement cost settlement, a 3 percent deductible and a liability limit of 300 thousand dollars. The quote states an annual premium of 38,600 cents. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a high performance boat of 36 ft, 3 years old, insured for 400 thousand dollars, with a top speed of 125 mph, agreed value settlement, a 2 percent deductible and a liability limit of 500 thousand dollars, with ice cover and the windstorm exclusion in a named-storm zone. The quote states an annual premium of 400,000 cents. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a high performance boat of 36 ft, 3 years old, insured for 400 thousand dollars, with a top speed of 90 mph, agreed value settlement, a 2 percent deductible and a liability limit of 500 thousand dollars, with ice cover with marina winterization. The quote states an annual premium of 987,600 cents. It is ready to send.
Verdict: Allowed.
The text of the narrated walkthrough, step by step.