2.5 Other commercial websites
So far I have detailed e-commerce applications which are connected with very large organisations; to conclude this section it is worth looking at a number of smaller applications, many of which are distinguished by the fact that they are novel. They are in contrast to the applications discussed in previous subsections which mainly consist of standard functions such as order processing.
eCoverage and disintermediation
An increasingly popular e-commerce enterprise which does not involve e-tailing is that of quote finding. For example, a number of companies have set up websites which enable you to get quotes on various types of insurance policies including those for car, property and life insurance. One of the pioneers in this area is eCoverage who provide online car insurance quotes and who boast that it can insure you in minutes. This is an example of a growing trend in e-commerce applications: the cutting out of intermediaries; in the case of insurance this is the insurance broker. This is a process known as disintermediation.