An Internet on-line insurance policy service system that facilitates
real-time automated communication of policy information, adjustment of
policy parameters, calculation and communication of resulting policy
quotes, and implementation of policy changes, while obviating insurer
personnel involvement and supervision of the communication. The system
comprises a plurality of software modules relating to on-line real-time
communication of existing policy information, testing of a wide range of
variations in policy parameters, computing and communicating changes in
policy premiums that would result from such variations, communicating
desired changes in policy parameters and implementing desired policy
changes. Other modules relate to communication of claims information and
the providing of on-line forms.