please dont answer my by excel .. would be better if use your PC to answer ,, as well as provide the formula

(b) Gembira Tour Company is a tourist boat operator, and has experienced the following losses due to accidental damages on its boats in particular year: Loss Amount of loss Boat A Boat B Boat C 3,000 10,000 15,000 How much would the insurer pay in each of the above losses, assuming that Gembira Tour Company had insurance policies on each of its boats for sum assured of RM100,000 per boat, with the following terms: i. A policy that has RM2,000 deductible. (4 marks) ii. A policy that has coinsurance of whereby the insurer will bear 80% and the insured will bear 20% of the losses. (4 marks) iii. A policy that has RM2,500 deductibles and coinsurance of (4 marks)