README.md

---
license: cc-by-4.0
pretty_name: OptimalCover VSC Pricing Dataset
language:
  - en
size_categories:
  - n<1K
task_categories:
  - tabular-regression
  - tabular-classification
tags:
  - automotive
  - pricing
  - consumer-finance
  - insurance
  - warranty
  - tabular
  - benchmark
configs:
  - config_name: rates
    data_files:
      - split: train
        path: rates.parquet
  - config_name: eligibility
    data_files:
      - split: train
        path: eligibility.parquet
  - config_name: mileage_bands
    data_files:
      - split: train
        path: mileage_bands.parquet
  - config_name: pricing_config
    data_files:
      - split: train
        path: pricing_config.parquet
---

# OptimalCover VSC Pricing Dataset

Independent, open reference data for Vehicle Service Contract (VSC / extended warranty) pricing — derived from public insurance filings and actuarial reserve disclosures.

- **Schema version:** `v3.6.7`
- **Released:** 2026-04-28
- **License:** [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) — attribution required
- **Upstream:** https://github.com/Optimal-Cover/vsc-pricing-data
- **Homepage:** https://optimalcover.com/open-data
- **Maintainer:** [OptimalCover](https://optimalcover.com)

## Dataset summary

OptimalCover publishes pricing benchmarks for Vehicle Service Contracts based on public insurance filings, actuarial reserve disclosures, and documented industry cost structures. This is the Hugging Face mirror of the canonical GitHub release.

## Configurations

| Config | Rows | Description |
|--------|------|-------------|
| `rates` | 180 | Canonical pricing rates by vehicle class × mileage band × term × deductible |
| `eligibility` | 104 | Make/model → vehicle class (A-D) mapping with eligibility flags |
| `mileage_bands` | 4 | Mileage band definitions used by the pricing model |
| `pricing_config` | 5 | Deductible factors, schema version, methodology constants |

## Usage

```python
from datasets import load_dataset

rates = load_dataset("optimalcover/vsc-pricing", "rates", split="train")
print(rates[0])
# {'vehicle_class': 'A', 'mileage_band': '...', 'term_months': 36, ...}

eligibility = load_dataset("optimalcover/vsc-pricing", "eligibility", split="train")
mileage_bands = load_dataset("optimalcover/vsc-pricing", "mileage_bands", split="train")
pricing_config = load_dataset("optimalcover/vsc-pricing", "pricing_config", split="train")
```

## Data fields

### `rates`
- `coverage_level` (string) — always `EXCLUSIONARY` in v3.6.7
- `vehicle_class` (string) — A, B, C, or D
- `mileage_band` (string) — human-readable band label
- `term` (string) — e.g. `48/60000` (months/miles)
- `term_months` (int)
- `term_miles` (int)
- `deductible` (int) — always `100` in v3.6.7 (canonical)
- `band` (string) — `REFERENCE_LOW` or `REFERENCE_HIGH`
- `price` (int) — USD

Pair `REFERENCE_LOW` and `REFERENCE_HIGH` rows on the same `(vehicle_class, mileage_band, term, deductible)` to form a price range.

### `eligibility`
Make/model mapping to risk class A-D.

### `mileage_bands`
Raw band definitions — odometer min/max and inclusivity.

### `pricing_config`
Encoded methodology constants. `config_value` is a JSON string; parse it to access nested rules (e.g. deductible multipliers, Class D cap).

## Derived deductibles

Only the canonical `$100` deductible is stored. `$0` and `$250` are **derived at runtime** from `pricing_config.deductible_handling`:

- `$0` = `$100 × 1.35`, rounded to nearest `$50`, capped at `+$500` for Class D
- `$250` = `$100 × 0.85`, rounded to nearest `$50`

A worked notebook is available in the upstream GitHub repo at [`examples/03_deductible_comparison.ipynb`](https://github.com/Optimal-Cover/vsc-pricing-data/blob/main/examples/03_deductible_comparison.ipynb).

## Methodology

Full methodology lives at https://optimalcover.com/methodology. A condensed version ships alongside the data as `methodology_summary.md`.

Inputs include:
- Public insurance filings (state DOI rate filings, NAIC disclosures)
- Actuarial reserve disclosures from VSC underwriters
- Documented dealer / admin / reserve cost structures
- Vehicle reliability and parts-cost data

Outputs are **reference price ranges** (`REFERENCE_LOW` / `REFERENCE_HIGH`) — never single point prices, never quotes.

## What this dataset is NOT

- Not a quote, offer, or sale of any product
- Not affiliated with any single VSC provider
- Does not contain customer data, VINs, or any personally identifiable information

## Schema versioning

Releases are tagged by the OptimalCover pricing schema version (e.g. `v3.6.7`). Each schema version is an **immutable snapshot** — once published, its data files do not change. Methodology refinements ship as new schema versions with a `CHANGELOG.md` entry.

## Citation

Please cite this dataset as:

```
OptimalCover (2026). VSC Pricing Dataset (v3.6.7).
https://github.com/Optimal-Cover/vsc-pricing-data
Licensed under CC BY 4.0.
```

BibTeX:

```bibtex
@dataset{optimalcover_vsc_2026,
  author    = {{OptimalCover}},
  title     = {VSC Pricing Dataset},
  version   = {3.6.7},
  year      = {2026},
  url       = {https://github.com/Optimal-Cover/vsc-pricing-data},
  license   = {CC-BY-4.0}
}
```

## License

This dataset is released under the [Creative Commons Attribution 4.0 International (CC BY 4.0)](https://creativecommons.org/licenses/by/4.0/) license. You are free to share and adapt the data for any purpose, including commercially, as long as you provide appropriate attribution.

## Links

- Canonical repo (GitHub): https://github.com/Optimal-Cover/vsc-pricing-data
- Website: https://optimalcover.com
- Open Data page: https://optimalcover.com/open-data
- Methodology: https://optimalcover.com/methodology
- LLM-friendly endpoint: https://optimalcover.com/llms-full.txt