Casualty insurance service system for computers and related equipments

A casualty insurance service system for a specific computer and related equipment, in which a maintenance contract regarding the computer or related equipment is adopted as an insurance contract, and service for said insurance contract is at least broken down to a client insurance service offered on a remote site and an on-site insurance service so that the next premium can be reduced when there is no fault in the period of insurance and a casualty insurance premium can be levied when there is a fault, wherein:

• a premium for each insurance service is determined by assessment determination means, and
• said assessment determination means comprises assessment means for selecting each item to check regarding said specific computer and related equipment and making an assessment of the selected item;
• gleaning and storage means for gleaning and storing fault information from said specific computer and related equipment;
• assessment information means comprising verification information storage means for pre-verifying a computer of the same type sold by a maker and storing information obtained by said pre-verification, fault event determination means for determining a fault event in the previous contract term, capturing means for capturing information from said assessment means, gleaning and storage means, verification information storage means and fault determination means, generation and renewal means for processing the information captured to generate and update assessment information, and memory storage means for storing the generated and updated assessment information;
• and premium calculation means for using information from said assessment information means to calculate a premium for said specific computer and related equipment.