Vaatun

Engineering × Insurance

Teach an agent to read the fine print.

Build an explainable insurance brokerage agent that turns messy policy PDFs and inconsistent insurer grids into one defensible, source-cited answer.

The premise

The rate is never in just one place.

Indian insurer commission grids arrive as spreadsheets, PDFs, circulars and images. Each one invents its own vocabulary for geography, vehicle segments, policy types and exceptions.

Your job is to build the missing reasoning layer: extract the policy facts, traverse the right grid, refuse unsupported cases, and show exactly how the answer was reached.

RTO / zone make / model fuel / CC vehicle age policy type NCB premium slab

Problem statement

Build the brokerage agent.

Given a motor policy PDF and a directory of insurer rate cards, return the expected brokerage with an evidence trail another engineer—or broker—can audit.

Input

Policy PDF + rater corpus

Accept a local policy-document path and the supplied raters/ directory. Your implementation may support uploads or URLs as an extra.

Output

Rate + exact provenance

Return extracted facts, OD and TP rates, granular source citations, confidence, and a plain-language explanation of every lookup step.

R / 01

Extract what changes the answer

Insurer, make/model, fuel, RTO, CC, manufacture year, policy type, NCB and premium breakup. Preserve uncertainty instead of guessing through it.

R / 02

Keep lookup logic deterministic

LLMs are welcome for document extraction. Grid resolution must be testable, reproducible and explainable—not a black-box answer.

R / 03

Cite the precise source

Name the file and the exact sheet, row, cell or PDF page used. “Found in the rate card” is not enough.

R / 04

Know when not to answer

If a segment is declined, ambiguous or absent, surface the gap and say what evidence would resolve it.

Four policies. Four lookup grammars.

Your test bench

  1. 01

    HDFC ERGO · Comprehensive

    Zone × premium slab × fuel × NCB

    PDF · included
  2. 02

    Go Digit · Stand-alone TP

    RTO cluster × fuel / CC segment

    PDF · included
  3. 03

    Reliance · Comprehensive

    RTO zone × model segment × footnote

    PDF · included
  4. 04

    Tata AIG · Stand-alone TP

    Coverage gap detection—not just lookup

    PDF · included

Every supplied policy is a metadata-clean synthetic fixture. Names, contacts and customer-specific identifiers have been replaced; city/RTO context, vehicle rating facts and premium figures remain intact. The bundle includes a public verification summary and checksums.

The corpus

Messy by design. Realistic by default.

Use the original source formats. Normalising them is part of the challenge; hard-coding the four answers is not.

4 × PDFDe-identified test policiesFor example: HDFC ERGO comprehensive and Go Digit SATP
3 × XLSXOriginal-format brokerage gridsFor example: Go Digit multi-sheet and Tata AIG 70+ columns
1 × PDFOriginal-format rate gridHDFC ERGO · two pages with zone and slab tables
DocsBrief, verification and manifestTask contract, privacy summary and SHA-256 checksums
Download starter bundle

What good looks like

Correct is the start. Defensible is the bar.

40%

Accuracy

Extract the right facts and reach the right rate—or the right refusal.

25%

Traceability

Make every transformation and source lookup inspectable.

20%

Resilience

Handle missing fields, exclusions, footnotes and unsupported segments.

15%

Engineering

Readable code, meaningful tests, sensible boundaries and a useful README.

“The most impressive submission may be the one that confidently says I cannot determine this rate from the supplied evidence—and proves why.”
Vaatun

No deadline. No permission slip.

Build it because the problem bothers you.

Publish your implementation in a repository with setup instructions, tests, sample outputs and a short note on the trade-offs you made. When it is ready, email the repository link and your four decision traces to careers@vaatun.com.

□ source code □ run instructions □ tests □ four decision traces □ assumptions