HK1185698A - Method for activating an insurance policy online and device for carrying out said method - Google Patents

Description

Method for online activation of an insurance policy and device for carrying out said method

Technical Field

The present invention relates to a method for computer-assisted activation of an insurance policy on a homepage according to claim 1 and a device for computer-assisted activation of an insurance policy according to claim 8.

Background

From US-B-7,765,115, a method and system for online processing of life insurance is known, in which case data is obtained about the insured life and the insurability of the insured life. The voucher may be received via an electronic data exchange that confirms whether the insurance voucher is sent to the insurance recipient. Also, information from a third party may be received via electronic data exchange, which confirms the identity of the insured person. Upon receiving a commitment that insurance has been purchased, the privately-prepared insurance certificate is output to the insurance recipient. Authorization may also be obtained via electronic data exchange so that medical information about the insured life may be retrieved directly by one or more third parties.

In the case of this method, data is exchanged via the internet, and a web server, a data server, and a processing server are provided for insurance inquiry. The communication with the server takes place via a PC, mobile phone or PDA.

In the case of the present method, various information is retrieved from a third party, and the preliminary insurance certificate is activated exclusively by the corresponding insurance company.

Disclosure of Invention

The invention is based on the object of providing a method in the case of which an insurance policy can be prepared in a simpler and more cost-effective manner and can be activated by the applicant himself.

This object is achieved by a method having the features of patent claim 1 and by an apparatus having the features of patent claim 8.

The present invention has the significant advantage that the applicant can independently generate the insurance policy entirely electronically without the need for external verification by, for example, an insurance company. And thus are handled exclusively by the applicant without the insurance company, insurance agent or insurance broker having to participate in the process. Database queries are also no longer necessary to check the identity of the applicant, since in the case of responding to an application question, for example, the number of the driver's license must be entered and stored, and on the other hand, further plausibility checks of the consumer are automatically made by checking the credit card by the provider of the credit card.

The invention also includes fully automated processing of insurance contracts, from an acceptance application, which includes associated electronic processing of insurance via payment by credit card, to automated electronic transfer of insurance policies in PDF format in an independent consumer profile. With such an electronic profile, in which the consumer can manage, modify, cancel or also expand his own contracts at any time, the consumer has the advantage that he can browse and manage his entire insurance traffic at any time, since he has access both at any time and all over the world. The invention has the further advantage that in the case of disclosing the customer's claim number at the time of submitting the damage statement, the specifically defined claim is resolved within a few seconds, and in some cases, in the case of a claim adjustment, the payment of the claim is returned directly to the customer's stored credit card.

The consumer may also upload insurance policies from third party providers in PDF format if the consumer has completed and paid the insurance policies via the portal to be transacted and secured, and may manage them in his customer service center after he has entered certain information, e.g., insurance policy number, premium, expiration date, company, etc. By button pressing, the consumer then receives a detailed overview in the form of a detailed insurance policy overview over all his existing insurance policies, where he can retrieve, modify and manage other important information at any time, in addition to the insurance company, due date, main term, expiration date, annual premium and insurance policy number. The claim processing is also fully automated. After the consumer has entered his customer service center, he may report the claim electronically to the insurer. In a fully automated claim clearance, the consumer immediately obtains a letter with the claim number directly transferred from the system after the claim electronic application, whereby it is obvious that the consumer still only has to hand over the payment invoice with the list of claim numbers to the insurer.

When a customer's signature is required for legal reasons, transmission of the claim number takes place immediately by the system after the customer makes an electronic claim report to the insurer, and the information is provided in a letter which the customer must still conventionally send by mail to the insurer in signed form as a claim notice stored in PDF form and stored in the customer service center.

In addition, the entire claim adjustment process is entered by the claim adjustment insurer in the customer service center of the consumer. If the insurer makes a claim adjustment, this is also recorded by the insurer in the customer service center, for example. As a result, an e-mail is triggered from the customer service center to reach the customer directly at the e-mail address stored by the customer, which informs him that he will be credited in his customer service center because he has received the information. When he subsequently records, he sees settlement information, for example of an insurer, which indicates that the invoices of the garage have been paid and the claim is resolved. Therefore, the consumer is always notified of the status of claim processing. Finally, payment for the claim is sometimes made directly via a consumer-specified credit card, depending on the type, scope, and level of the claim. In this case, the consumer at the stored e-mail address is sent an e-mail which requires the consumer to specify or confirm his credit card again, respectively, in order to make a payment of the claim directly to his specified credit card.

Drawings

Further advantages of the invention emerge from the dependent patent claims and the following description, in which the invention is explained in more detail on the basis of exemplary embodiments shown in the drawings. In the drawings:

figure 1 shows a diagrammatic representation of the data exchange between the settlement system of an insurance company and the official vehicle information system,

figure 2 shows method steps for computer-aided activation of an electronic insurance certificate,

figure 3 illustrates the order in which the claim reports by the consumer occur,

figure 4 shows the sequence when restarting a claim archive,

figure 5 shows the sequence in which claim reports are presented by insurers,

figure 6 shows the sequence in which a claim report is made by the loser or his car repair shop,

FIG. 7 shows the order in which a retirement occurs in the case of a claim for which the consumer claims reimbursement, an

Fig. 8 shows the sequence when the retirement occurs in the case of a claim for reimbursement by an insurer.

Detailed Description

The present invention is based on the insight that a potential applicant must first apply for and store his e-mail address so that after entering a received release code, a problem directory must be filled in according to predetermined criteria in order to be admitted to the system. Once he has been allowed, he can independently perform all the required steps to secure the vehicle, for example, because the insurance certificate is sent fully electronically to the responsibility approval authority and the required vehicle license number and associated vehicle registration documents can be obtained directly from the approval authority. At a later stage, he can also independently modify the vehicle data and send the claim report entirely electronically to the insurer. The system automatically generates an e-mail to the registered applicant with the claim number when the claim report occurs. In the case of a particular claim, the claim is made directly based on the input, as the system informs the applicant that he can provide the claim invoice directly to the insurer for payment. The preparation of an electronic insurance policy in PDF format from electronic receipt of an application, to the issuance of international insurance certificates ("green insurance cards") and electronic claim adjustments, to the payment of claims to a stored credit card (in the case of a reservation), all done entirely electronically, without the intervention of the insurance company's employees or insurance brokers.

Data exchange between insurance companies and approval authorities regarding vehicle registration documents has recently been carried out in switzerland via a new settlement system (CLS), which is a protected information system in which each insurance company has exclusively the right to use its own information (insurance certificates, etc.).

Switzerland federal transport agency (ASTRA) exchanges motor vehicle data and motor vehicle owner data with switzerland state approval authorities based on the motor vehicle information system (MOFIS), as shown in fig. 1. The data from the decentralized system database 20 shown on the right of the insurance company are stored in a central system 21 of the insurance company, which central system 21 is connected via a clearing system CLS to a motor vehicle information system MOFIS of an approval authority. The settlement system CLS comprises a search interface 22, which search interface 22 can access a database 24 with electronic insurance certificates via a search function 23. The database 24 then outputs feedback 25 to the central system 21 regarding the registration, cancellation of registration, state changes, owner changes, vehicle changes, etc., and regarding the current insurance company. Also, there is a check function 26 that checks the electronic insurance certificate and confirms the reception in the database 24 to the central system 21. The electronic insurance certificate is also received in an archival database 28 via an archival task 27. The user data organized by means of the user authority 30 is stored in a further user database 29. The authorized user can access the accounting system CLS by accessing (or entering) the checking means 31. On the right side, a decentralised system 33 of an approval authority is shown. These are connected to a central system 34 of the approval authority, which central system 34 in turn has access to the MOFIS. Via the search interface 35, a search function 36 is activated, so that a search can be performed in a database 37 of registered motor vehicles. On the one hand, reports 38 of the cancellation of the check-in/check-in, state changes, owner changes, vehicle changes, etc. are transmitted from the central system 34 to the database 37 and, on the other hand, are received from this database 37 in the central system 34.

Upon registration of the motor vehicle, the liability insurer confirms that effective insurance protection exists through issuance of insurance vouchers. The insurance certificate prepared in electronic form is submitted to the state of responsibility approval authority and transferred to the clearing house, which transfers the electronic insurance certificate to the system MOFIS upon request. The electronic insurance certificate is also archived in the system CLS of the clearing house. The registration and cancellation of the registration (IV/AV) of the approval authority is effected via the system MOFIS in the clearing system CLS and is transmitted to the insurance company upon request. The approval authority no longer passes the report code (reason for IV/AV). These are derived by the MOFIS from data provided by the highway traffic authority.

The communication between the insurance company and the approval authorities is coordinated by the system CLS and the system MOFIS. Since insurance companies communicate exclusively with the servers of their CLSs and approval authorities communicate exclusively with the servers of their MOFIS, the technical dependence is very low. The communication between the insurance company and the system CLS takes place via a TCP/IP connection using HTTPS (SSL 128 bit encryption) by means of the internet. Data is exchanged in XML format.

In fig. 2, a number of method steps are shown that allow an authorized applicant to directly access the insurance company via the clearing system CLS and thus be able to provide electronic insurance certificates directly to the responsible approval authority, whereby upon proper transfer of vehicle data, the approval authority approves the applicant's redemption, transfer of the vehicle, etc., and the applicant retrieves the vehicle registration certificate and vehicle license number directly from the approval authority. The insurer electronically pre-checks the insurability of the potential applicant according to certain criteria, the applicant being authorized to access the insurer's settlement system CLS after a more detailed check.

In a first step 1, vehicle data is entered by a potential applicant or stakeholder on the home page of the insurance provider or vehicle entrance without indicating his identity. He then receives a proposal with three different products expressed in a price and insurance range comparison for the insured vehicle. If the stakeholder accepts the offer, he is asked to register as a new consumer with a username and password in step 2, while providing his e-mail address. In step 3, the access code is communicated via e-mail to the stakeholder at the designated e-mail address. In step 4, the stakeholder input is an access code, and is thus allowed to reach the platform with the various services.

In the next step 5, the stakeholder and the vehicle owner must enter his personal data, such as the last name, first name, address, residence, telephone number, birthday, nationality (in the case of a foreigner, a residence permit), the date of the examination of the car's driving license, a detailed description of official documents such as a driving license, etc. After he has made these inputs, the stakeholder is asked to answer a number of questions for risk assessment in step 6. The answer is compared with predetermined criteria in a comparison module and, in case of agreement, another window appears in step 7, which forms a template for vehicle data, into which such data as vehicle type, manufacturer and model, equipment certification, engine displacement, colour, vehicle license plate number, mileage, date of first run, fuel, original price, miles driven per year, intended use, rental deems and accessories are entered. But also ask interested persons whether to apply insurance to the shared license plate. In this case, the window is opened again to register the vehicle data of the second vehicle. These specifications result in the presentation of a proposal with three different products in the price and insurance range comparison for the insured vehicle in step 8. The stakeholder now selects one of the products available for selection (silver, gold, or platinum gray) by a single click in step 9. In step 10, when the desired insurance coverage is accepted by the stakeholders, it can be checked again in the summary whether the owner data, the vehicle data and the desired product are entered correctly. If necessary, corrections can be performed again at this step. If the insurance amount of the insurance coverage does not correspond to the insurance company's profile, information will appear that the insurance policy cannot be completed online, and the insurance company or partner will contact the stakeholders in person if desired.

After the stakeholder has checked all the inputs, he must confirm that he has understood and accepted the general terms and conditions and the contents and language of the general insurance conditions in step 11, and that he will process the insurance contract subject to the fee.

The stakeholder is then asked to pay the premium selected in step 9 in step 12 by an electronic payment means such as a credit card, mobile phone, etc. If the payment has been accepted, the electronic insurance certificate is immediately sent to the approval authority via the platform of the insurance provider via the databases 24 and 37 of MOFIS (see FIG. 1) in step 13. If the electronic payment device (e.g., credit or debit card) is not accepted (if, due to insufficient funds), the electronic insurance certificate is not activated.

If all the data has been entered and payment of the annual premium has been made, then in step 14 the applicant is directed to his individual consumer profile or customer service center where his insurance policy and his insurance policy are stored in electronic format (PDF). The international insurance card is also stored therein in electronic format (PDF) and can be downloaded by the applicant. He is also automatically asked to retrieve the license plate and insurance certificate from the approval authority by e-mail and at the customer service center. The applicant may also electronically enter various modifications, such as address changes, vehicle changes, and owner changes, in his individual customer service center and independently report claims electronically. In steps 13 and 14, the insurance policy and the international insurance green card may also be automatically prepared again by passing the applicant's electronic insurance certificate to the approval authority for all necessary explanation cases, e.g., name change, state change, etc. caused by marital.

So-called electronic banking ("electronic banking") can also be subsumed under "payment by electronic payment means". In this case, the applicant may exit the internet platform after step 11 and after entering payment via the electronic bank he is asked to log on to the internet platform again with his access code. Steps 13 and 14 are followed by accessing his electronic consumer profile.

All of the necessary conditions for making insurance vouchers can be implemented using the electronic scheme described above. For example, if an applicant wishes to enroll a vehicle in another state, after entering a new address, an electronic insurance certificate is automatically issued via the platform and electronically transmitted to a responsibility approval authority. The system is programmed in such a way that this modification is handled automatically. If a more cost effective vehicle is redeemed at a vehicle change, the applicant receives a credit proportion calculated from the premium of the new vehicle for a new 12 month insurance period starting from the repayment day. If there is still a deposit with the applicant as the payee, the credit is returned to his credit card. The refund premium is proportionally refunded to the applicant's designated credit card when the configuration of the license plate is finalized. If the more expensive vehicle is compensated, a loan is calculated for the previously insured vehicle and a different amount is credited to the credit card for the newly compensated vehicle within the one year period from the vehicle change date. The same procedure is performed if a shared license insurance policy exists. Since the insurance premiums at the time of vehicle change must always be paid within one year from the date of modification or the date of refund, respectively, it is ensured that the required insurance certificate is always transmitted electronically.

Within eight weeks before the insurance expires, the applicant is required to pay the renewal premium for the next insured year by electronic payment means (e.g., credit or debit card) via e-mail within a predetermined period. If the applicant does not comply with this requirement in a timely manner, he is given a new one-week period again via e-mail at the stored address and via SMS on the stored telephone number to make payment electronically. After the time limit has passed without paying an unfinished insurance premium, his vehicle license number is automatically cancelled without further judgment at the approval authority.

Also, if the applicant's mobile phone number is known, the applicant may also be asked to pay via SMS to pay a renewal premium. In this case, the applicant may also trigger payment by means of a transaction number (so-called TAN code). Such payments are also under the concept of "online electronic payments". If the applicant cannot be contacted via e-mail or via SMS and the insurance fee payment is not made, the vehicle license number is automatically cancelled to limit the administrative fee to a minimum.

To illustrate other such transactions on the internet platform, various sequences are illustrated and described below in fig. 3-8 as examples.

Fig. 3 illustrates the sequence during which a claim report is presented by a consumer 40. The consumer 41 logs on for this purpose in step 42 with his stored access data or access codes 3 and can fill in claim arrangements online in step 43. If some sub-segments are not filled or are not filled correctly, the system requires the consumer to make the required corrections before other steps can be performed. After the claim scheme has been correctly filled in by the consumer, the claim has been "reported" in the consumer profile is noted in step 44. At the same time, the insurer is reported via e-mail in step 45 that a fully filled out claim solution has been received from the consumer 41. Immediately after the electronic reporting of the claim, an e-mail is sent electronically to the consumer, wherein he receives the claim number immediately and also receives a message that he should also fill out the list for payment, depending on the claim, e.g. in case of glass damage, hail disaster or damage caused by mink (martens). In the case where the insurer must require a specific official qualification of the claim in official documentation, for example, immediately after the claim is registered, the insurer's public e-mail with the claim number is also triggered. In addition, the applicant is required to print again an electronic claims report stored as a PDF in the customer service center and provide a personal signature to send it to the insurer. Subsequently, in the case of such a claim adjustment, the claim solution is checked by the insurer in step 46. In step 47, a decision is made by the insurer that the amount of the claim will be paid or denied directly, and if payment occurs, the corresponding remarks with the amount, value and claim number are entered by the insurer into the customer profile in the customer service center (step 48). Subsequently, in step 49, the consumer 41 of the stored e-mail address is sent an e-mail, the consumer 41 declaring that he has received the information in the customer service centre and should log in, so that he logs in to the internet platform with his access code (step 50). The consumer then receives the details of the claim adjustment after logging into the customer service center (step 51). If decision 47 cannot be made because additional information is needed, the remark is recorded "in process" in the consumer profile under the claim number (step 52). The consumer is sent an e-mail (step 53), after which the consumer 41 again logs in with his access code on the internet platform (step 54) and the consumer can learn in his consumer profile which additional questions to answer to the insurer (step 55). If all questions have been adequately answered, a new decision 47 is made, which results in a payment 48. If a decision has not been made within a predetermined period of days as monitored by the counter 56, an e-mail is sent to the customer service of the Internet platform which informs the insurer of the claims that remain undetermined via the e-mail (step 57). A decision 47 is then made again.

Subsequently, in the case of such a claim adjustment in step 46, the claim scheme is checked by the insurer. In step 47, a decision is made by the insurer that the amount of the claim will be paid or denied directly, and the corresponding remarks with the amount, value and claim number are entered into the consumer profile by the insurer (step 48). Subsequently, in step 49, the e-mail is sent to the consumer 41 of the stored e-mail address, the consumer 41 logs on to the internet platform using his access code (step 50), after which he can receive details of the claim adjustment at the customer service centre (step 51). If decision 47 cannot be made because additional information is needed, the remark is recorded "in process" in the consumer profile under the claim number (step 52). The consumer is sent an e-mail (step 53), after which the consumer 41 logs on to the internet platform again with his access code (step 54) and the consumer can know in his consumer profile which additional questions to answer to the insurer (step 55). If all questions have been adequately answered, a new decision 47 is made, which results in a payment 48. If a decision has not been made within a predetermined period of days as monitored by the counter 56, an e-mail is sent to the customer service of the Internet platform which informs the insurer of the claims that remain undetermined via the e-mail (step 57). A decision 47 is then made again.

Fig. 4 shows the sequence of the restarted registered claims. The restart in step 60 represents the insurer finding the amount of the claim to be paid based on the consumer's additional information after another decision. The customer service is then reported via e-mail to the customer service, who attaches the remarks "response" to the claim in the customer profile (step 61). An e-mail is then triggered from the internet platform to the consumer 41 in step 62, and the consumer 41 logs on to the internet platform with his access code in step 63. In the customer service center, the consumer may then view his consumer profile and the feedback of the insurer (step 64).

Fig. 5 shows the sequence in which claim reports are made by the insurer 70. The insurer reports the claim to the customer service center via e-mail in step 71. The claim program is then described in the consumer profile, step 72. At step 73, an e-mail is sent to consumer 41, and consumer 41 may log onto the Internet platform at step 74 using his access code. Step 75 shows the subsequent sequence according to fig. 3.

According to fig. 6, the loser or garage owner 76 may also log onto the internet platform and fill out the claim scheme in step 77. The proposal is then sent to the insurer via e-mail (step 78). The insurer then checks the filled out proposal and distributes it to the consumer or contract in step 79. Subsequently, the sequence according to fig. 5 is carried out in step 78.

FIG. 7 shows the sequence of when a consumer retires in the case of a claim requiring compensation. The insurer 70 pays the agreed amount of the claim at step 81. Report 82 is sent from the underwriter management System (SID) to the customer service center via e-mail. The customer profile is then updated to the current state in the customer service center in step 83, and an e-mail with the corresponding information is sent to the customer in step 84. The consumer 41 may then log onto the internet platform with his access code over a 14 day interval 85 (step 86) and then fill in the rebate at the customer service center in step 87. The e-mail with the refund is then sent to the underwriter management System (SID) at step 88. In step 89, the insurer checks whether the refund can be accepted. Then, in step 90, there is feedback via e-mail to the electronic system manager, which then accepts the rebate in step 91 or rejects the rebate in step 100. If the rebate is accepted, the electronic system manager issues a confirmation to register the rebate and stores it in the consumer profile (step 92). In a next step 93, a report is also sent by the electronic system manager to the customer service center, triggering an e-mail 94 to the customer, the customer profile in the customer service center is updated to the latest status (step 95), and payment 96 for the premium refund is made. After payment 96, a report 97 is sent to the electronic system manager, sending an e-mail 98 to the consumer, and the consumer profile is again updated to a minimum state (step 99).

In the event that the refund has been denied in step 100, e-mail 101 is sent to the consumer and the consumer profile in the customer service center is updated to the latest state (step 102).

Fig. 8 finally shows the sequence when the insurance is cleared by the insurer 105 in the case of a claim requiring compensation. In step 106, the claim amount is paid by the insurer. This is typically done via electronic banking with bank remittance. Subsequently, a report 107 is sent from the electronic system manager to the Internet platform, at which point the customer profile in the customer service center is updated to the latest state and the customer is notified via e-mail 109 in step 108. After the 14-day period 110 has elapsed without being used, the information 111 is sent to the customer service center on the internet platform. The consumer profile is then updated to the latest state and an e-mail 113 is sent to the consumer in step 112. Otherwise, after the expiration of the term 110, the electronic insurance certificate 114 is issued by the electronic system manager and stored in the consumer profile. Payment 115 of the premium refund is then made and in step 116 the customer profile in the customer service center is updated to the latest state and an e-mail 117 is sent to the customer.

It is apparent that not only vehicle insurance, but any other type of insurance, such as home insurance, private liability insurance, building insurance, litigation cost insurance, etc., may be handled in this manner. An insurance transaction is performed after the problem category with the predetermined criteria, in order to check here the authenticity of the applicant. When this barrier is passed, the applicant can automatically, i.e. completely electronically, independently activate the insurance certificates, applications and electronic issuance of insurance policies and car accident international insurance cards. In the case of a claim, the insurance policy is checked as to whether the applicant has actually seriously filled out all of the checklists. In the case of a amended list, the legal consequences are automatically generated according to the swiss insurance contract code (VVG), i.e. there is then no longer any insurance protection, and the premium paid is not paid and any claims payments made may be required to be returned. The applicant is explicitly informed of this risk in a number of steps during the transaction. Thus, there is a very low and therefore predictable risk of damage to the insurer by an uncertain applicant.

Claims (11)

1. A method for computer-aided activation of an insurance policy on a main page, wherein

(1) Based on the stipulations on the insurance coverage, offers are made to the applicant,

upon approval, (2) the applicant registers his e-mail address, (3) and the access code is sent to the applicant via e-mail,

(4) the applicant logs in with his access code and (5) enters details of the applicant and the desired insurance,

(6) fill out a list of questions about the applicant and insurance,

(7) comparing the answers to the catalog of questions with the sample, and, when the answers match the sample, generating a template for the insurance policy,

(8) the proposed generation of the insurance fund is made,

(9) data of a desired insurance range is entered in the template,

(10) the aggregate of the input data for insurance and proposed premiums is generated, which data is amended and/or validated by the applicant,

(11) general terms and conditions and general insurance conditions are generated, which are confirmed by the applicant together with the input data,

(12) paying the premium online through an electronic payment means, an

(14) An electronic insurance policy is prepared, and the electronic insurance policy is transferred online or via e-mail.

2. The method of claim 1, wherein (13) the insurance is a motor vehicle insurance and the electronic insurance certificate for the insurance policy is transmitted online to a responsibility approval authority.

3. The method of claim 2 wherein the request is automatically sent to the applicant's e-mail address to retrieve the license plate and insurance certificate from the approval authority.

4. A method according to claim 2 or 3, characterized in that after filling out the template of the vehicle registration file, an insurance deposit is optionally filled out, which is then generated in the summary of the input data.

5. The method of claim 1, wherein the insurance is home insurance, private liability insurance, building insurance, or litigation cost insurance.

6. The method according to any one of claims 1-5, wherein the applicant logs on to the main page using his access code, reports and/or amends a claim on an electronic claim scheme, and after review by an insurer, the amount of the claim is automatically paid out according to the conventions in the claim scheme.

7. The method of claim 6, wherein a claim report is made and/or reviewed on the home page by an insurer and an electronic message is sent to the applicant.

8. The method according to claim 7, wherein the claim report is made on the homepage by the party suffering from loss according to a claim plan, and the insurer checks for the specified loss.

9. An apparatus for computer-assisted activation of an insurance policy on a home page, having:

a first window (1) in which offers are made to the applicant based on a specification on the insurance coverage,

a second window (2) in which the applicant registers an e-mail address,

a third window (4) in which the applicant logs in via e-mail using an access code sent via e-mail,

a fourth window (5) in which details of the applicant and the desired insurance are entered,

a fifth window (6) in which a list of questions about the applicant and the insurance is filled out,

a sixth window (7) in which a template of the insurance policy is generated after the answers to the question catalog agree with the samples,

a seventh window (8) in which offers for insurance funds are generated,

an eighth window (9) in which data of a desired insurance range is input,

a ninth window (10) in which a summary of the input data for the insurance and proposed premium is generated, said data being amended and/or validated by the applicant,

a ninth window (11) in which general terms and conditions and general insurance conditions are generated, the general terms and conditions and general insurance conditions being confirmed by the applicant together with the input data,

a tenth window (12) in which premium is paid online by electronic payment means.

10. The device according to claim 9, characterized in that it has a clearing system (CLS) for motor vehicle insurance, in which electronic insurance certificates are prepared, which are sent online to the responsibility approval authority, and an e-mail sender, whereby the approval authority transmits the vehicle registration document to the applicant.

11. Device according to claim 9 or 10, characterized in that a consumer profile is provided which is implemented as an electronic memory, the insurance policy and insurance policy being stored in an electronic format (PDF) in the consumer profile, which is generated as a further window on the home page.