After an insurance application is made from a user, an insurance provider examines the application and makes an insurance contract. The insurance provider sends a transaction monitoring program (BTM) to the user, and the user installs this. Transaction data which the user communicates with a transaction party are monitored by the BTM and recorded in a transaction record. If the user incurs loss or damage, the user sends the transaction record to the insurance provider, and the insurance provider then analyzes this to verify the cause of the loss and pays insurance money.