Abstract: A system and method for managing an insurance scheme including receiving data relating to homeowner behaviour. The data is analysed to determine the manner in which the homeowner has behaved for a past predetermined period and the analysed data is then used to determine one or more obligations of the homeowner to the insurer. The obligations may include the amount of a premium to be paid to the insurer for the insurance and/or the amount of the excess to be paid by the homeowner in the event of a claim to the insurer.

Abstract: A method and system for managing a driver rewards programme includes receiving data including information relating to the compliance of a driver in at least one of a plurality of programme areas related to motor vehicle driver behaviours and storing the data in a database. Points are awarded to the driver wherein the points awarded are related to the compliance of the driver in the at least one programme area. Finally, the points awarded are used to determine a reward for the driver wherein the reward is a fuel related reward.

Abstract: A method and system for managing an insurance scheme includes receiving and storing data relating to a life insurance agreement between an insured person and a life insurer including data relating to at least one premium to be paid to the life insurer and details of the life insurers obligations to the insured person or their beneficiary on the occurrence of the insured person dying or suffering disability. Receiving data including information relating to the compliance of the insured person in a plurality of programme areas related to motor vehicle driver behaviours and storing the data in a database. Points are awarded to the insured person wherein the points awarded are related to the compliance of the insured person in the programme areas and the points awarded are then used to determine a reward for the insured person from the life insurer.

Abstract: A computer is used to receive data, including an amount of fuel to which a fuel benefit will apply, and a nominated price for the fuel for a future period, from a driver of a motor vehicle. During the future period, or after the future period has passed, purchase data is received, including a quantity of fuel purchased by the driver during the period, and a price paid for the purchased fuel. The purchase price is compared with the nominated price, and if the purchase price is higher than the nominated price, a refund is issued to the driver of at least a portion of the difference between the purchase price and the nominated price, for at least some of the quantity of fuel purchased.

Abstract: A method and system of managing Fog an insurance scheme includes receiving driver data including information relating to the compliance of a driver in at least one programme area related to motor vehicle driver behaviours and storing the data in a database. Wellness programme data is also received indicating the compliance of the driver with a wellness programme and stored in the database and the driver data and wellness programme data are used to determine a reward for the driver.

Abstract: A method and system for managing an insurance scheme includes receiving claim data from an insured person, the claim data including information pertaining to the occurrence of an insured event and the amount of a claim to an insurer. The claim data is analysed to determine a total amount payable to the insured person. An amount to be paid to the insured person from a life insurance fund of the insured person is calculated and an amount to be paid to the insured person from the insurer is calculated wherein the amount paid from the life fund and the amount paid from the insurer equal the total amount payable.