diff --git a/project/src/helpers/HideoutHelper.ts b/project/src/helpers/HideoutHelper.ts
index 0576da77..4c8edb67 100644
--- a/project/src/helpers/HideoutHelper.ts
+++ b/project/src/helpers/HideoutHelper.ts
@@ -425,13 +425,19 @@ export class HideoutHelper {
             BonusType.FUEL_CONSUMPTION,
         );
 
-        // 0 to 1
-        const fuelConsumptionBonusMultipler = (profileFuelConsomptionBonusSum + 100) / 100;
+        // An increase in "bonus" consumption is actually an increase in consumption, so invert this for later use
+        const fuelConsumptionBonusRate = -(profileFuelConsomptionBonusSum / 100);
 
-        // 0 to 1
-        const hideoutManagementConsumptionBonusMultipler = this.getHideoutManagementConsumptionBonus(pmcData);
+        // An increase in hideout management bonus is a decrease in consumption
+        const hideoutManagementConsumptionBonusRate = this.getHideoutManagementConsumptionBonus(pmcData);
+
+        let combinedBonus = 1.0 - (fuelConsumptionBonusRate + hideoutManagementConsumptionBonusRate);
+
+        // Sanity check, never let fuel consumption go negative, otherwise it returns fuel to the player
+        if (combinedBonus < 0) {
+            combinedBonus = 0;
+        }
 
-        const combinedBonus = 1.0 - (fuelConsumptionBonusMultipler + hideoutManagementConsumptionBonusMultipler);
         fuelUsedSinceLastTick *= combinedBonus;
 
         let hasFuelRemaining = false;
diff --git a/project/src/services/InsuranceService.ts b/project/src/services/InsuranceService.ts
index 6d1202bd..0c36b646 100644
--- a/project/src/services/InsuranceService.ts
+++ b/project/src/services/InsuranceService.ts
@@ -1,6 +1,7 @@
 import { DialogueHelper } from "@spt/helpers/DialogueHelper";
 import { HandbookHelper } from "@spt/helpers/HandbookHelper";
 import { ItemHelper } from "@spt/helpers/ItemHelper";
+import { ProfileHelper } from "@spt/helpers/ProfileHelper";
 import { SecureContainerHelper } from "@spt/helpers/SecureContainerHelper";
 import { TraderHelper } from "@spt/helpers/TraderHelper";
 import { IPmcData } from "@spt/models/eft/common/IPmcData";
@@ -27,7 +28,6 @@ import { RandomUtil } from "@spt/utils/RandomUtil";
 import { TimeUtil } from "@spt/utils/TimeUtil";
 import { ICloner } from "@spt/utils/cloners/ICloner";
 import { inject, injectable } from "tsyringe";
-import { ProfileHelper } from "@spt/helpers/ProfileHelper";
 
 @injectable()
 export class InsuranceService {
@@ -181,8 +181,12 @@ export class InsuranceService {
             return this.timeUtil.getTimestamp() + this.insuranceConfig.returnTimeOverrideSeconds;
         }
 
-        const insuranceReturnTimeBonusSum = this.profileHelper.getBonusValueFromProfile(pmcData,BonusType.INSURANCE_RETURN_TIME);
-        const insuranceReturnTimeBonusPercent = 1.0 - ((insuranceReturnTimeBonusSum + 100) / 100);
+        const insuranceReturnTimeBonusSum = this.profileHelper.getBonusValueFromProfile(
+            pmcData,
+            BonusType.INSURANCE_RETURN_TIME,
+        );
+        // A negative bonus implies a faster return, since we subtract later, invert the value here
+        const insuranceReturnTimeBonusPercent = -(insuranceReturnTimeBonusSum / 100);
 
         const traderMinReturnAsSeconds = trader.insurance.min_return_hour * TimeUtil.ONE_HOUR_AS_SECONDS;
         const traderMaxReturnAsSeconds = trader.insurance.max_return_hour * TimeUtil.ONE_HOUR_AS_SECONDS;
@@ -206,8 +210,9 @@ export class InsuranceService {
             randomisedReturnTimeSeconds *= editionModifier.multiplier;
         }
 
-        // Current time + randomised time calculated above
-        return this.timeUtil.getTimestamp() + randomisedReturnTimeSeconds * insuranceReturnTimeBonusPercent;
+        // Calculate the final return time based on our bonus percent
+        const finalReturnTimeSeconds = randomisedReturnTimeSeconds * (1.0 - insuranceReturnTimeBonusPercent);
+        return this.timeUtil.getTimestamp() + finalReturnTimeSeconds;
     }
 
     /**
diff --git a/project/src/services/RagfairTaxService.ts b/project/src/services/RagfairTaxService.ts
index 896ae2e5..c2322c77 100644
--- a/project/src/services/RagfairTaxService.ts
+++ b/project/src/services/RagfairTaxService.ts
@@ -86,7 +86,8 @@ export class RagfairTaxService {
             pmcData,
             BonusType.RAGFAIR_COMMISSION,
         );
-        const taxDiscountPercent = (hideoutFleaTaxDiscountBonusSum + 100) / 100.0;
+        // A negative bonus implies a lower discount, since we subtract later, invert the value here
+        const taxDiscountPercent = -(hideoutFleaTaxDiscountBonusSum / 100.0);
 
         const tax =
             itemWorth * itemTaxMult * itemPriceMult + requirementsPrice * requirementTaxMult * requirementPriceMult;