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Insurance & Extra Services - Product Requirements Document

Version: 2.0 | Status: Draft | Last Updated: 2026-01-15

Change Log

VersionDateChangesAuthor
2.02026-01-15Converted to business-focused format: added measurable outcomes, success metrics, consolidated requirements, prioritized user storiesPRD Conversion
1.0InitialOriginal technical PRD-

1. Executive Summary

1.1 Purpose

Enable rental companies to increase revenue per transaction through insurance options and extra services (add-ons) that customers can select when renting vehicles. This module allows customization of rental packages to meet diverse customer needs while providing operators with flexible pricing tools.

1.2 Business Value

Value ClaimMeasurable OutcomeTargetMeasurement Method
Revenue EnhancementIncrease average order value through insurance and extras attachment+15-25% average order valueCompare order totals with/without extras over 90 days
Service DifferentiationHigher customer satisfaction through customizable offerings85%+ satisfaction rating on extras availabilityPost-rental surveys
Pricing FlexibilityReduced order amendments requiring manager approval50% fewer price override escalationsTrack override requests vs. operator-level adjustments
Inventory ManagementReduced “unavailable extra” complaints at pickup90% extras availability match at pickupTrack promised vs. delivered extras
Multi-language SupportInternational customer self-service without support tickets80% international bookings completed without language supportTrack support tickets tagged “translation”

1.3 Target Users

RoleBusiness ContextPrimary Goals
AdminFleet manager responsible for service catalog and pricing strategyMaximize revenue per rental, maintain competitive offerings
OperatorRental desk staff processing bookings and customer requestsQuick order configuration, accurate pricing, minimal errors
ClientEnd customer (Future phase)Easy selection of relevant extras, transparent pricing

1.4 Scope

In Scope:

  • Insurance plan creation and catalog management
  • Extra services creation with localization support
  • Vehicle-specific extras assignment
  • Order attachment with pricing calculation
  • Per-order price and quantity overrides

Out of Scope:

  • Payment processing (see 09-payments)
  • Vehicle management (see 03-vehicles)
  • Order workflow and lifecycle (see 06-orders)

2. Success Metrics

CategoryMetricDefinitionBaselineTargetMeasurement MethodTimeframe
RevenueExtras Attachment Rate% of orders with at least one extra serviceTBD (30-day baseline)60%+Orders with extras ÷ total orders6 months
RevenueInsurance Attachment Rate% of orders with insurance selectedTBD (30-day baseline)40%+Orders with insurance ÷ total orders6 months
RevenueAverage Revenue per ExtraRevenue from extras ÷ count of extras soldTBD+10% YoYMonthly extras revenue analysis12 months
OperationalCatalog Setup TimeTime to add new extra service to catalogManual process<5 minutesAdmin time tracking3 months
OperationalOrder Configuration TimeTime to add extras during order creationTBD (time study)<30 seconds per extraOperator workflow timing3 months
QualityExtras Fulfillment RatePromised extras delivered at pickupTBD95%+Pickup verification audit6 months
QualityPrice Override AccuracyOverride requests without errorsTBD99%+Order audit sampling6 months
EfficiencyBulk Assignment CompletionTime to assign extra to entire fleetManual per-vehicle<10 secondsAdmin workflow timing3 months

3. User Stories

3.1 Admin Stories

IDPriorityUser StoryBusiness Value
US-01P0As an Admin, I can create insurance plans with coverage details and pricing so customers have damage protection optionsCore revenue stream; required for regulatory compliance in some markets
US-02P0As an Admin, I can create extra services with pricing, images, and availability limits so operators can upsell during bookingPrimary mechanism for increasing average order value
US-03P1As an Admin, I can set whether extras charge once or daily so pricing reflects actual usage costsAccurate pricing prevents revenue leakage and customer disputes
US-04P1As an Admin, I can localize extra service content for multiple languages so international customers understand offeringsEnables market expansion without translation support overhead
US-05P1As an Admin, I can bulk-assign extras to vehicles so fleet-wide offerings deploy in seconds not hoursOperational efficiency; faster response to market opportunities
US-06P2As an Admin, I can soft-delete services to remove availability while preserving historical order dataCompliance with data retention requirements

3.2 Operator Stories

IDPriorityUser StoryBusiness Value
US-07P0As an Operator, I can add insurance and extras to orders so customers receive complete rental packagesCore transaction capability
US-08P0As an Operator, I can see which extras are available for the selected vehicle so I only offer what’s deliverablePrevents customer disappointment and fulfillment failures
US-09P1As an Operator, I can override extra prices for specific orders so I can accommodate negotiations and promotionsEmpowers front-line staff to close deals without manager involvement
US-10P1As an Operator, I can modify extras on existing orders so changes don’t require order cancellationReduces order rework and improves customer flexibility
US-11P2As an Operator, I can create new extras during order creation so urgent customer needs are met immediatelyCaptures revenue from unplanned requests

3.3 Client Stories (Future Phase)

IDPriorityUser StoryBusiness Value
US-12P1As a Client, I can view and select insurance options during self-service bookingReduces operator workload, increases attachment through convenience
US-13P2As a Client, I can add extras to my booking with clear pricing per optionEnables upselling without staff involvement

4. Functional Requirements

4.1 Insurance Management

IDRequirementBusiness Rationale
FR-01Admin can create insurance plans with title, description, price, and deductible (franchise) amountCustomers need clear coverage options to make informed decisions
FR-02Insurance plans remain accessible for historical orders after removal from active catalogSupports audit, dispute resolution, and financial reporting
FR-03One insurance plan per order maximumPrevents coverage overlap confusion and simplifies claims processing
FR-04Insurance details captured at booking time remain unchanged regardless of catalog updatesProtects customers from post-booking price changes

4.2 Extra Services Management

IDRequirementBusiness Rationale
FR-05Admin can create extra services with title, description, price, image, and quantity limitsComplete service information enables informed customer selection
FR-06Extra services support one-time or per-day pricing modelsMatches charging model to actual cost structure (consumables vs. rentals)
FR-07Extra services support multiple language translationsEnables international operations without translation staff
FR-08Quantity limits prevent over-promising beyond physical inventoryEnsures fulfillment capability matches commitments
FR-09Removed extras remain visible in historical ordersSupports financial reconciliation and customer dispute resolution

4.3 Vehicle Assignment

IDRequirementBusiness Rationale
FR-10Admin can assign extras to specific vehicles or entire fleetSome extras are vehicle-specific (GPS mounts); others are universal (child seats)
FR-11Admin can perform bulk assignments across multiple vehicles simultaneouslyOperational efficiency when launching new extras
FR-12Operators see only extras available for the selected vehiclePrevents offering extras that cannot be delivered

4.4 Order Integration

IDRequirementBusiness Rationale
FR-13Operators can attach insurance and multiple extras to ordersCore transaction functionality
FR-14Operators can override prices and quantities for specific ordersEnables promotions, negotiations, and error corrections
FR-15Order totals recalculate automatically when extras are modifiedEnsures pricing accuracy without manual calculation
FR-16Extra details captured at booking remain unchanged regardless of catalog updatesCustomer sees same pricing as when they booked
FR-17Operators can add or remove extras from existing ordersSupports customer requests and error corrections

4.5 Pricing Calculation

IDRequirementBusiness Rationale
FR-18One-time extras charge once regardless of rental durationMatches cost structure for setup fees, consumables
FR-19Per-day extras multiply by rental durationFair pricing for usage-based items (GPS daily rental)
FR-20Price overrides apply to specific order only without changing catalog pricesPromotional pricing doesn’t affect other customers

5. Acceptance Criteria

AC1: Insurance Catalog Management

Given an Admin with catalog management permissions When they create an insurance plan with title, description, price, and deductible Then the insurance is available for selection on new orders And it appears in the insurance catalog filtered by their company

AC2: Extra Service Catalog Management

Given an Admin with catalog management permissions When they create an extra service with required details (title, description, price, image, pricing type, quantity limit) Then the service is available for assignment to vehicles And localized content displays in the appropriate language for each user

AC3: Vehicle Assignment

Given an Admin with fleet management permissions When they assign an extra service to vehicles (individually or in bulk) Then that extra appears in available options when those vehicles are selected for orders And the extra does not appear for unassigned vehicles

AC4: Order Insurance Attachment

Given an Operator creating or editing an order When they select an insurance plan for the order Then the insurance details are captured as a snapshot And the order total includes the insurance price And selecting a different insurance replaces the previous selection

AC5: Order Extra Attachment

Given an Operator creating or editing an order When they add extra services with quantities Then each extra is captured as a snapshot with current catalog details And the order total reflects: quantity × price × (days if per-day pricing) And operator can override price or quantity per extra

AC6: Order Modification

Given an Operator with an existing order containing extras When they modify extras (add, remove, change quantity, override price) Then the order total recalculates to reflect changes And modifications are tracked for audit purposes

AC7: Catalog Removal

Given an Admin removing an insurance plan or extra service from the catalog When they soft-delete the item Then it no longer appears as an option for new orders And existing orders retain their captured snapshots unchanged And historical reports include the removed items


6. Business Rules

BR1: Pricing Rules

  • One-time extras: Total = quantity × price
  • Per-day extras: Total = quantity × price × rental days
  • Insurance: Fixed price per order (not per day)
  • Price overrides apply to individual order only; catalog prices unchanged

BR2: Availability Rules

  • Extras available only for vehicles with explicit assignment
  • Removed items excluded from new order selection
  • Existing orders retain removed items in their snapshots
  • Quantity requests limited by catalog-defined maximum

BR3: Order Rules

  • Insurance optional; maximum one per order
  • Multiple extras allowed per order
  • Order snapshots immutable after creation (audit trail)
  • Catalog changes do not affect existing orders

BR4: Data Retention

  • Soft-delete preserves all historical data
  • Order snapshots retained for financial and compliance reporting
  • Audit trail maintained for all modifications

BR5: Multi-tenant Isolation

  • All data isolated by company (tenant)
  • Users see only their company’s catalog and orders
  • Cross-company data access prevented

7. Dependencies

7.1 Upstream Dependencies (Required Before This Feature)

DependencyPRD ReferenceRequired Capability
Multi-tenant Architecture01-multi-tenantCompany isolation, user authentication
Vehicle Management03-vehiclesVehicle catalog for extras assignment

7.2 Downstream Dependencies (Features Requiring This)

Dependent FeaturePRD ReferenceIntegration Point
Order Management06-ordersOrder creation includes insurance/extras selection
Dynamic Pricing07-pricingOrder total calculations include extras/insurance
Payments09-paymentsPayment amount includes extras/insurance costs

7.3 Integration Requirements

  • Order totals must include insurance and extras in payment calculations
  • Invoice line items should itemize extras for customer transparency
  • Reporting dashboards should track extras attachment and revenue metrics

8. Non-Functional Requirements

CategoryRequirementTargetRationale
PerformanceCatalog loading<2 secondsOperators need quick access during customer interactions
PerformanceBulk vehicle assignment<10 seconds for 100 vehiclesAdmin productivity for fleet-wide changes
AvailabilityService uptime99.5%Revenue-critical feature during booking hours
SecurityData isolation100% tenant separationCompetitive and compliance requirement
ScalabilityCatalog size500+ extras per tenantSupport diverse rental operations

9. Glossary

TermBusiness Definition
Extra ServiceOptional add-on (GPS, child seat, additional driver) that customers can purchase with their rental
InsuranceDamage protection coverage that limits customer liability in case of vehicle damage
Franchise / DeductibleMaximum amount customer pays out-of-pocket for covered damage claims
One-Time PricingExtra charged once regardless of rental length (e.g., cleaning fee)
Per-Day PricingExtra charged for each rental day (e.g., GPS daily rental)
Order SnapshotFrozen copy of insurance/extra details at booking time, protecting customer from later price changes
Soft DeleteRemoval from active catalog while preserving data for historical records
Vehicle AssignmentLinking extras to specific vehicles to control availability
Attachment RatePercentage of orders that include insurance or extras

10. Open Questions

  1. Baseline data available for current extras/insurance attachment rates?
  2. Target attachment rates aligned with industry benchmarks?
  3. Per-day pricing calculation: include pickup day, return day, or both?
  4. Maximum extras per order limit needed?
  5. Insurance-extras bundling/discount rules planned?
  6. Client self-service phase timeline confirmed?