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Qwackly

Rate Management

Change a rate once. Every agent quotes it the same minute.

Rate sheets emailed around the office go stale the day they are sent. Qwackly keeps one versioned rate book that every agent, form and link reads from, so a change is published once and applied everywhere.

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Rate book · Motor · Base rates
Draft v3.3
Vehicle classv3.2v3.3
Hatchback up to 1.2L₹4,050₹4,200
Sedan 1.2L to 1.6L₹5,380₹5,540
SUV above 1.6L₹7,920₹7,920
Electric, all classes₹4,600₹4,480

Publish checklist

  • 3 base rates changed
  • Impact preview run on recent quotes
  • Approved by pricing lead
  • Effective from 1 Nov, 00:00
Schedule for all agents

Capabilities

What you get out of the box

Versioned like a document

Every edit creates a draft. Drafts are reviewed, approved and published as a new version, and every quote records the version it was priced on. Nothing is overwritten.

Scheduled effective dates

Publish now or set the exact date and time a new version takes over, such as the first of the month.

Impact preview

Re-price a sample of recent quotes on the draft to see the effect before anyone is quoted on it.

Side-by-side diff

See exactly which rates, factors and bands changed between any two versions.

Role-based editing

Only the people you nominate can edit or publish rates. Agents can quote, not change pricing.

How it runs

How a rate change reaches the field.

The same four steps whether you are changing one base rate or restructuring an entire line.

  1. Step 01

    Draft

    Edit base rates, factors, bands or discounts in a draft copy of the current version.

  2. Step 02

    Preview

    Run the impact preview on recent quotes and review the differences line by line.

  3. Step 03

    Approve

    A nominated approver signs off. Their name and time are stored with the version.

  4. Step 04

    Publish

    The new version goes live at the scheduled time for every agent, form and link.

In detail

What lives in the rate book

Everything the engine uses to price is configured here, in tables your pricing team already understands.

Base rates

By product, class, sum insured band or service type

Coverage factors

Multipliers for basic, standard, comprehensive or custom plans

Risk bands

Score ranges mapped to loadings and auto-quote rules

Discounts

Loyalty, no-claim bonus, multi-policy, seasonal or corporate

Add-ons

Priced riders, extended warranty, express service

Taxes & rounding

GST rates and rounding rules applied at the end

Questions

Asked by teams like yours

Can we import our existing rate sheets?
Yes. Most teams start by importing their current spreadsheets. We map the columns to rate book tables with you during onboarding and verify figures against past quotes.
What happens to quotes already sent when rates change?
They keep the price and version they were issued on until their validity window ends. After that, they re-price on the current version, and the breakdown shows what changed.
Can different branches have different rates?
Yes, on the Agency plan. Branch-level overrides sit on top of the central rate book and are versioned the same way, so head office can always see what each branch is quoting.
Is there a record of who changed what?
Every draft, approval and publish is logged with the user, time and a full diff. The log cannot be edited.

Keep exploring

Instant Quote Generation

Short guided intake, priced the moment it is complete

Explainable Pricing Breakdown

Every figure ships with its line-item reasoning

Risk Factor Scoring

Weighted factors with clear escalation rules

Your turn

Price one yourself. Watch it explain itself.

SAMPLE QUOTE · ILLUSTRATIVE RATES

Q-SAMPLE-01

Line of business
Coverage level
Risk profile

Loyalty

Base rate
₹4,200
Risk adjustment
+ ₹380
Loyalty discount
− ₹150
Total
₹4,430

This is a sample quote using illustrative rates. Connect your own rate rules for real quotes.

Keep this stubIssue real quotesOr bring your rate bookTalk to us