[D] [P] Trying to guess internal rules of an insurance company scoring mechanism

Hi everyone!
I'm relatively new to ML so maybe I'm inventing a bicycle here, but can you please hear me out and maybe give some advice.

Let's say I'm an insurance broker providing data of my clients to insurance company to get a quote. Insurance company can either give me one or refuse to quote. The characteristics of the clients are encoded in a number of numerical values: age, car horse powers, coefficient depending on previous loss record, coefficient depending …

insurance machinelearning rules scoring