Computer software and software upgrades supplied on-line from computer databases, computer networks, global computer networks or the internet; electronic interface providing data manipulation for insurance, management of market data, management of insurance policies, competitive pricing policies, and creation of insurance products; interactive software application delivered online through a web-browser, being a downloadable application; data manipulation software to support a website featuring ratings engine; software and applications for insurance policy management, creation of insurance products and usage based insurance; software app which can be delivered to any computing devices including desktop, laptop and tablet computers and mobile devices; downloadable computer software for accessing, managing, controlling and interacting with insurance services and policies and subscription services; computer software and/or downloadable electronic publications and/or downloadable applications relating to insurance policy management, insurance product creation, data processing, online data processing, electronic data processing, data management, data processing management, database management, insurance policy valuations, business data analysis, analysis of insurance, market and business information, business research services, collection of information relating to market analysis, statistical analysis and/or reporting for business, insurance management consultancy, provision of insurance data, provision of insurance data from online databases, compiling and/or analysing data and information relating to insurance policy management, data management software and hardware integration software; electronic publications, newsletters, magazines, periodicals, pamphlets, leaflets, instructional materials and teaching materials, provided on-line from computer databases, computer networks, global computer networks or the internet (including web pages and web sites); including all of the aforesaid goods provided electronically or online from a computer database or via the internet