Insurance Portal

Test strategies for quote engines, policy management, claims processing, document management, and regulatory compliance.

Domain Overview

Insurance portals are form-heavy, rule-driven, and heavily regulated. Quote engines have complex underwriting rules (risk factors, exclusions, pricing bands). Claims require document upload, status tracking, and settlement. GDPR and FCA/state insurance regulations govern data handling. Accessibility is critical — policy documents must be readable.

Typical stack: Angular / React frontend, rules engine (Drools or custom), document generation (Docmosis / iText), payment via GoCardless or Stripe, claims managed via Guidewire or custom.

Key Test Areas

Test Pyramid for Insurance Portal

Unit (60%):        Underwriting rules, premium calculation, eligibility
Integration (30%): Claims API, payment gateway, document generation
E2E (10%):         Get quote → purchase policy → file claim

Common Failure Scenarios

1. Quote price changes between quote step 1 and summary page (rule evaluated twice)
   Test: capture price on step 1, proceed to summary without changing inputs, assert prices match

2. Claim submitted but document not attached (upload appeared to succeed)
   Test: intercept upload API response, assert claim record contains document reference ID

3. Cooling-off period not applied to add-on purchase
   Test: purchase add-on, assert cancellation option with full refund available for statutory period

4. Policy renewal email contains previous year's premium
   Test: update premium before renewal run, assert renewal email reflects new premium amount

5. DD payment date update doesn't apply to next payment (only future ones)
   Test: update DD date after billing cycle opens, assert next payment still uses updated date

Playwright Patterns for Insurance Portal

// Multi-step quote wizard with form state preserved on back navigation
test('quote state is preserved when navigating back', async ({ page }) => {
  await page.goto('/quote/start');
  // Step 1 — personal details
  await page.getByLabel('Date of birth').fill('01/01/1985');
  await page.getByLabel('Postcode').fill('SW1A 1AA');
  await page.getByRole('button', { name: 'Next' }).click();
  // Step 2 — risk questions
  await page.getByLabel('No claims bonus (years)').selectOption('5');
  await page.getByRole('button', { name: 'Next' }).click();
  // Step 3 — navigate back
  await page.getByRole('button', { name: 'Back' }).click();
  await expect(page.getByLabel('No claims bonus (years)')).toHaveValue('5');
  await page.getByRole('button', { name: 'Back' }).click();
  await expect(page.getByLabel('Date of birth')).toHaveValue('01/01/1985');
  await expect(page.getByLabel('Postcode')).toHaveValue('SW1A 1AA');
});

// Document upload with page.route to simulate virus scan delay
test('claim upload shows pending state during virus scan', async ({ page }) => {
  await page.route('**/api/claims/documents/upload', async route => {
    // Simulate a 3-second virus scan delay
    await new Promise(res => setTimeout(res, 3000));
    await route.fulfill({ json: { status: 'clean', documentId: 'doc-123' } });
  });
  await page.goto('/claims/new');
  const fileInput = page.locator('input[type="file"]');
  await fileInput.setInputFiles({ name: 'damage.jpg', mimeType: 'image/jpeg', buffer: Buffer.from('fake') });
  await expect(page.getByTestId('upload-scanning')).toBeVisible();
  await expect(page.getByTestId('upload-complete')).toBeVisible({ timeout: 10000 });
});

// Cooling-off period date calculation
test('cooling-off period cancellation available within 14 days', async ({ page }) => {
  await page.clock.install({ time: new Date('2026-06-01T10:00:00Z') });
  await page.goto('/policy/POL-001');
  // Within 14-day cooling-off period — cancel with full refund must be available
  await expect(page.getByRole('button', { name: 'Cancel policy' })).toBeVisible();
  await expect(page.getByText('Full refund')).toBeVisible();

  // Advance past 14 days
  await page.clock.fastForward(15 * 24 * 60 * 60 * 1000);
  await page.reload();
  // Cooling-off cancel option should be gone; standard cancel may remain
  await expect(page.getByText('Full refund')).not.toBeVisible();
});