"Check the premium is reasonable" is not a pass criterion

Problem Description

scripts/TC-33-quote.md is run against the quoting journey before every pricing release. Its last step asks the tester to check that the premium is reasonable. In the last four releases, two testers passed a quote that we later found was eleven per cent out, and one raised a defect against a premium that turned out to be correct.

The case also does not say what to type. The driver's date of birth in our data note is written in a form that two people on the team read two different ways, and the two readings do not price the same. Nobody has ever recorded which reading they used.

Two further things are unsettled and we do not want them guessed. The expected premium in the data note was produced under a specific pricing table, and the UAT environment was moved onto a refreshed table last Tuesday without the release note saying which one. Until that is confirmed, an exact expected figure is a number we cannot stand behind.

Finally, the case cannot be run many times in a day against the same vehicle, and testers who hit that keep raising it as a defect.

Output Specification

Produce one markdown document at exactly scripts/TC-33-motor-quote.md containing:

1. A rewritten quoting case in which two testers get the same premium and agree on whether it passed.
2. Everything that must be true before the first step and every value the tester types, taken from the attached files and written so that no field can be entered two different ways.
3. For each step, the single thing observed that decides pass or fail, including what the tester compares the final premium against.
4. Whatever is needed so the case can be run again the same day.
5. A place to record failures.
6. A short list of what could not be settled from the attached files, each as a question for a named owner. Do not close any of them by choosing the more likely answer.

Out of scope: automating the case, checking the pricing maths itself, and the renewal journey.

Input Files

Extract the following files before beginning.

=============== FILE: scripts/TC-33-quote.md ===============

TC-33 - Motor quote

1. Open the quote journey.
2. Enter the customer's date of birth.
3. Enter the vehicle registration.
4. Answer the remaining questions.
5. Get a quote.
6. Check the premium is reasonable.

=============== FILE: data/rating-notes.md ===============

Motor quoting - UAT notes

Journey: https://uat.quote.harrowmutual.example/motor No login required; the journey is anonymous until the quote is saved.

Standard test driver

The date-of-birth field on the desktop journey is a free-text field; the mobile journey uses a picker. The note above was copied from a spreadsheet and no one now remembers which order the two leading numbers were in. Both readings give a driver aged 38 at today's date, so the age display does not settle it, and the two readings do not price identically.

Standard test vehicles

A registration may be quoted at most five times in a rolling 24 hours. The sixth attempt returns "We can't quote online right now" - this is throttling, not a pricing defect.

Expected premium

Finance's expected annual premium for the standard driver on YE19 KLT is 742.18 GBP. That figure was produced under pricing table RT-2026-03.

UAT was moved onto a refreshed pricing table on Tuesday. The release note says only "rate table refresh". The pricing owner is Ravi S. in Actuarial; he has not yet confirmed which table UAT is now serving, and Finance have not reissued expected figures.

Saving a quote

A completed quote gets a reference in the form HM-Q-XXXXXX, shown on the final screen and emailed if an address is supplied. Saved quotes persist for 30 days and are visible to the next tester.