Test an insurance quote and its premium breakdown

The flow under test

Five figures, and the sequence between them is as much under test as the values themselves.

The tax is calculated on the net premium, after the discount, not on the base. Asserting all five lines is what pins that ordering, and a change to it would move the total by over a hundred rupees without any single figure looking obviously wrong.

The test file

The cover options are asserted as a set before one is chosen, so a quote journey that offers fewer products than it should is caught before the premium is even calculated.

---
mode: testing
url: https://my-testing-repo-main.vercel.app/phonepe-clone-app/insurance?reset=true
max_steps: 45
tags: [phonepe, fintech, insurance]
---

# PhonePey 21.4: Bike insurance quote

Catalog objective: start a bike insurance quote journey.
Key assertion: the quote screen renders the premium options.

## Enter the vehicle
Type "KA01AB1234" into "Registration number", select "TVSx" in "Brand", select "Apache 160" in "Model", set "Engine capacity (cc)" to "160", and click "Get quotes".

## Verify the cover options render with premiums
Verify a "Choose your cover" card lists "Third-party only", "Comprehensive" and "Comprehensive + zero depreciation", each with a total premium beside it.

## Choose a cover and a no-claim bonus
Choose "Comprehensive", select "20%" in "No-claim bonus", and verify the premium breakdown shows "Base premium" of "₹3,975.00", "No-claim bonus (20%)" of "−₹795.00", "Net premium" of "₹3,180.00", "GST (18%)" of "₹572.40" and "Total payable" of "₹3,752.40".

## Continue with the quote
Click "Continue with this quote" and verify a green banner titled "Quote ready" shows a total of "₹3,752.40", with a summary showing "Registration" of "KA01AB1234" and "Vehicle" of "TVSx Apache 160 · 160cc".

The final step carries the vehicle details onto the quote, which matters because a premium calculated for one vehicle and issued against another is a policy that will not pay out.

Step by step coverage

A vehicle, the options, the calculation and the quote.

Carrying the registration number through to the quote summary is the detail that ties a premium to a specific vehicle rather than to a category.

Running it

kane-cli testmd run tests/phonepe/bike-insurance-quote_test.md

Add a variant at a different no-claim bonus, since the discount percentage is the input most likely to be mishandled at its boundaries.

Premium tables change with regulation and underwriting rather than with releases. Deriving a suite from requirements covers keeping expected figures tied to their source, and running in CI covers catching drift.