Explainable Pricing Breakdown
Every rupee on the quote, accounted for.
A figure without reasons invites a phone call. Qwackly prints the reasoning on the quote itself: where the price started, what moved it up, what brought it down and which rule did each, in wording your customer can follow.
Annual premium payable
₹5,227
Rate book v3.2 · Valid 15 days
Base rate
Private car, 1.2L hatchback, Standard cover
₹4,200
Risk adjustment
Score band B (low), +9%
+ ₹380
Loyalty discount
Renewal, 3 years with agency, 3.5%
− ₹150
Premium before tax
Rounded to nearest ₹10
₹4,430
GST
18% on premium
+ ₹797
Capabilities
What you get out of the box
Line items that add up, visibly
Base rate, coverage factor, risk loading, discounts, add-ons, rounding and tax each get their own line. The total is always the sum of what is shown, so there is nothing hidden between the lines.
Rule reference on every line
Each line carries the ID of the rule that produced it, so your team can trace any figure back to the rate book.
Plain-language summary
A short paragraph explains the quote in everyday words for the customer copy.
Share as link or PDF
Send the breakdown by email, WhatsApp or as a branded PDF attached to the proposal.
Two views, one quote
Customers see clear wording. Your team sees the same lines with rule IDs and factor values.
How it runs
How each contribution is calculated.
The engine records every step as it prices, then turns that record into the breakdown. The explanation is not written after the fact; it is the calculation.
- Step 01
Start from the base
The base rate is read from the rate book for the product, class and coverage level selected.
- Step 02
Apply factors in order
Loadings and discounts run in the sequence you configure. Each one stores its input, its rate and its rupee effect.
- Step 03
Round and tax
Rounding and GST are separate lines, so the customer sees the premium and the tax on it distinctly.
- Step 04
Write it up
The stored steps become the line items, and the AI drafts the plain-language summary from them.
In detail
Two audiences, one breakdown
The customer copy and the internal copy are generated from the same calculation, so they can never disagree.
Customer copy
- Standard rate for your car and cover₹4,200
- Small adjustment for your low risk profile+ ₹380
- Thank-you discount for renewing with us− ₹150
Internal copy
- MTR-BASE-04 · class=HB12 · plan=STD4200.00
- MTR-RISK-B · score=39 · load=0.09+378.00 → 380
- MTR-LOY-03 · tenure=3 · disc=0.035−147.00 → 150
Questions
Asked by teams like yours
Can we control the wording customers see?
Does showing the breakdown expose our pricing model?
What if a customer disputes a line?
Is the breakdown available after the quote converts?
Your turn
Price one yourself. Watch it explain itself.
SAMPLE QUOTE · ILLUSTRATIVE RATES
Q-SAMPLE-01
Loyalty
- Base rate · Private car, Standard cover
- ₹4,200
- Risk adjustment · Low risk, +9%
- + ₹380
- Loyalty discount · Renewing customer, 3.5%
- − ₹150
- Total
- ₹4,430
This is a sample quote using illustrative rates. Connect your own rate rules for real quotes.