Registration and Login: Users (policyholders, insurance agents, and administrators) should be able to register, log in, and manage their profiles.
Profile Management: Allow users to update personal information, insurance preferences, and contact details.
Policy Management
Policy Creation: Enable users to create new insurance policies by providing vehicle details, coverage options, and personal information.
Policy Details: Display detailed information about each policy, including coverage, limits, premium amounts, and expiration dates.
Policy Renewal: Provide functionality for users to renew existing policies online.
Quote Generation
Insurance Quotes: Allow users to request and receive quotes for different insurance plans based on vehicle details and coverage preferences.
Comparison: Provide a comparison tool to help users compare different insurance plans and premiums.
Claims Management
Claim Filing: Enable users to file insurance claims online, including submitting required documentation and evidence.
Claim Tracking: Allow users to track the status of their claims and view updates.
Claim History: Provide access to historical claims data for users to review past claims.
Payment Processing
Premium Payments: Facilitate online payment of insurance premiums through secure payment gateways.
Payment History: Allow users to view their payment history, including past transactions and upcoming payments.
Document Management
Document Upload: Allow users to upload and manage insurance-related documents (e.g., policy documents, claim forms).
Document Retrieval: Provide users with access to download and view their documents.
Notifications
Alerts: Send notifications for important events, such as policy renewals, payment reminders, and claim updates.
Reminders: Notify users of upcoming deadlines and necessary actions.
Customer Support
Helpdesk: Provide access to customer support through various channels (e.g., chat, email, phone) for assistance with policies, claims, and other issues.
FAQ: Offer a comprehensive FAQ section to address common questions and concerns.
Admin Panel
Dashboard: Provide administrators with a dashboard to manage user accounts, policies, claims, and payments.
Reporting: Generate reports on system usage, policy statistics, claim trends, and financial performance.
Integration
External Services: Integrate with external services for vehicle verification, credit scoring, and regulatory compliance.
Policy Customization
Coverage Options: Allow users to customize their insurance policies by selecting different coverage options and add-ons.
Non-Functional Requirements
Performance
Speed: Ensure quick response times for policy management, claim processing, and payment transactions.
Scalability: Design the system to handle increasing numbers of users, policies, and claims efficiently.
Reliability
Availability: Ensure high availability with minimal downtime for users to access the system and perform transactions.
Error Handling: Implement robust error handling and recovery mechanisms to maintain system stability.
Security
Data Protection: Use encryption and secure protocols to protect sensitive user and insurance data.
Authentication and Authorization: Implement strong authentication methods and role-based access control to safeguard user accounts and sensitive information.
Usability
User Interface: Design an intuitive and user-friendly interface to simplify policy management and claims processing.
Accessibility: Ensure the system is accessible to users with disabilities and supports various devices and browsers.
Maintainability
Code Quality: Develop clean, modular, and well-documented code to facilitate future maintenance and updates.
Documentation: Provide comprehensive documentation for users, insurance agents, and administrators.
Compliance
Regulatory Standards: Ensure compliance with relevant insurance regulations, data protection laws (e.g., GDPR), and industry standards.
Interoperability
Integration Compatibility: Ensure compatibility with other systems, tools, and services for seamless data exchange and functionality.
Backup and Recovery
Data Backup: Implement regular backups to prevent data loss and ensure data integrity.
Disaster Recovery: Develop a disaster recovery plan to restore operations in case of major disruptions.
