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We can have scenarios as below:
If If Quote Start Date is from 01/04/2022 (1st Apr 2022) to 31/12/2022, the 1st row will be picked, and the factor value for VehicleAge should be 1.5 for all covers.
If Quote Start Date is from 01/01/2023, the 2nd row will be picked, and the factor value for VehicleAge should be 2 for all covers.
If Quote Start Date is 01before 14/0103/2022, the 3rd row will be picked, and the factor value for VehicleAge should be 1 for all covers.