Narrow it down
Scored over 2 translated area(s) of ~20. Stale or unknown premiums are never scored on price.
You want a policy that gets small and major events equally right, with decent cover on everything else, where price matters.
Your main goal is a requirement: an offering that is weak there gets set aside, and no amount of price advantage buys it back. Everything else is the level you'd settle for elsewhere — meeting it scores full marks, exceeding it earns nothing extra (paying for gold-plating you didn't ask for is what the cost dial is for). Cost then orders whoever qualifies.