Scenario Overview

North52's business rules engine for Dynamics 365 is ideal for implementing complex rules in the Insurance industry. In this scenario, we will demonstrate how to set up a Decision Table that calculates an Insurance Premium for Used Automobiles based on a variety of  Risk Factors.

For this article it is assumed that you have at least basic familiarity with Decision Tables and/or have read the following articles:

Note: We will not detail step-by-step instructions here on how to set up Conditions or Actions, please read the above articles if you need detailed configuration steps.


Insurance Premium Rules

The rules for calculating the insurance premium are as follows:

Rule # Description

Vehicle Type

The following are the base premiums depending on the vehicle type:

  • Compact: €250
  • Sedan: €300
  • Luxury: €500

Vehicle Age

The company does not insure new cars. Depending on the age of the vehicle apply the following charges:

Less than 3 years old: €450
4 to 6 years old: €350
Older than 6 years: €250


Uninsured Motorists

Additional protection available for €100 to cover damage caused to the car by other uninsured motorists.


Medical Cover

There is an extra charge of €700 if the customer wants coverage for any medical bills resulting from a crash.


Potential Occupant Injury

Certain vehicles are more dangerous in a collision than others. If the vehicle being insured has one of the following ratings then additional charges apply:

  • Extremely High Risk: €1200
  • High Risk: €900

Potential Theft Rating

Certain vehicles are more likely to be stolen than others. If the vehicle's potential theft rating is High then a charge of €1500 applies.


North52 Decision Suite Solution

The North52 Decision Suite solution works like this:

  • A Formula of type Save - To Current Record is created on the Automobile entity
  • The Source Properties are set to the following fields:
    • Automobile Type, Is New, Date First Registered, Uninsured Motorist Coverage Included, Medical Coverage is Included, Potential Occupant Injury Rate, Potential Theft Rating 
  • The Target Property is set to Premium
  • The Event is set to Create & Update

Formula Setup

Decision Table

As the Decision Table executes and evaluates each of the conditions it sums up the values accordingly. Column H has been set up as an Inline-Calculation and is used by the Decision Table to keep a running sum of the Automobile Premium based on rows that match conditions within the Decision Table. You can think of this as a variable result which is then used to update the Premium field.

This Decision Table is configured as a Save - To Current Record; the final value of the inline calculation is automatically inserted into the Premium field as specified in the Target Property.  An alternative method could have used a Save - Perform Action Formula type and set the Premium field as an Action column.

Global Calculations Sheet

The Global Calculations Sheet has 1 calculation in this Formula: Age - used to calculate the current age of the Automobile:


Age: DateDiff([north52_automobile.north52_datefirstregistered], UtcDate(), 'y')


In the form below you can see the the Decision Table has calculated and applied the Premium to the record:

Did you know?

North52 Decision Suite works with vanilla Common Data Service instances

The North52 Decision Suite works with Common Data Service instances which have not had any Microsoft 1st Party apps applied (Field Service, Customer Service, Sales Enterprise, etc). This means you can use our no-code advance business rules engine in your custom Model Driven and Canvas Power Apps! 

It is the same solution which has been powering Microsoft Dynamics 365 CR/CE for many years. You get a mature, robust solution with proven capabilities (over 500 functions) that allows you to build complex decision logic for use in your custom apps.

Learn more about the North52 Decision Suite or contact our team for more information