OptimalCover
Open Reference Data

OptimalCover VSC Pricing Dataset

Independent, open reference data for Vehicle Service Contract pricing — derived from public insurance filings and actuarial reserve disclosures. Released under CC BY 4.0.

View on GitHubView on Hugging FaceDownload v3.6.7 (zip)
License

CC BY 4.0

Schema

v3.6.7

Formats

CSV · JSON · Parquet

Released

2026-04-18

What's in the dataset

vsc_ratesCanonical pricing rates by vehicle class × mileage band × term × deductible.
vehicle_eligibilityMake/model → vehicle class (A-D) mapping with eligibility flags.
mileage_bandsMileage band definitions used by the pricing model.
pricing_configDeductible factors, schema version, and methodology constants.

Every table ships in three formats (CSV, JSON, Parquet) alongside a data dictionary, condensed methodology summary, changelog, and SHA-256 checksums.

What this dataset is not: not a quote, offer, or sale of any product; not affiliated with any single VSC provider; contains no customer data, VINs, or personally identifiable information.

Quick start

The data files are served directly from GitHub, so no install or signup is required.

Hugging Face (datasets)
from datasets import load_dataset

rates = load_dataset("optimalcover/vsc-pricing", "rates", split="train")
# also: "eligibility", "mileage_bands", "pricing_config"
print(rates[0])
Python (pandas)
import pandas as pd
url = "https://raw.githubusercontent.com/Optimal-Cover/vsc-pricing-data/main/data/v3.6.7/vsc_rates.csv"
rates = pd.read_csv(url)
print(rates.head())
R
rates <- read.csv("https://raw.githubusercontent.com/Optimal-Cover/vsc-pricing-data/main/data/v3.6.7/vsc_rates.csv")
SQL (DuckDB)
SELECT vehicle_class, AVG(price) AS avg_price
FROM 'https://raw.githubusercontent.com/Optimal-Cover/vsc-pricing-data/main/data/v3.6.7/vsc_rates.csv'
GROUP BY vehicle_class
ORDER BY avg_price;

Three worked Jupyter notebooks — getting started, pricing explorer, and deductible derivation — are available in the examples folder. Each can be opened directly in Google Colab.

Citation

Attribution is required under CC BY 4.0. Please cite this dataset in one of the following formats:

Plain text
OptimalCover (2026). VSC Pricing Dataset (v3.6.7). https://github.com/Optimal-Cover/vsc-pricing-data Licensed under CC BY 4.0.
APA
OptimalCover. (2026). VSC Pricing Dataset (v3.6.7) [Data set]. https://github.com/Optimal-Cover/vsc-pricing-data
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}
}

A machine-readable CITATION.cff is included in the repo for citation-management tools.

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 (v3.6.8, v3.7.0, etc.) with a CHANGELOG.md entry. Older versions are preserved under data/archive/.

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