| STAGE of E-Commerce Adoption | Elements Present on Website |
| Stage One Emerging Web Presence | Contact Information |
| Company Information | |
| Insurance Overview/FAQs | |
| Information about the products offered | |
| Feedback forms | |
| Stage Two Enhanced Web Presence | Detailed product information |
| Media Centre | |
| Links to other sites | |
| Stage Three Interactive Web Presence | Availability of various forms in PDF |
| Live Chat | |
| Online claim intimation | |
| Online Claim tracker | |
| Online Application tracker | |
| Online Policy Status | |
| Stage Four Transactional Web Presence | Online Purchase |
| Online premium payment | |
| Online accounts | |
| Stage Five Fully Integrated Web Presence | Instant/Free quotes |
| Online Insurance Market Place-Alliance with competitors |