I need Zoho to manage a database for a small specialist home insurance brokerage. As such this will be a B2C system.

Essentially, I need something to achieve the following:

1. Hold client data with quite a few custom fields, (I've already had a play with that and quite comfortable editing the modules) 
2. Record research data following contacting several different insurance companies on behalf of our customers (i.e. which insurance companies we have approached, their quote and a few details about their product offered)
3. Email data from the client record that will pre-populate using mail merge (already had a play with this too which seems very straight-forward)
4. Email clients & raise letters using templates for sending quotes, policy documents and notifications
5. store client documents or link to locally stored files for attaching to emails

The policies we arrange are annual and we retain the vast majority of our clients are renewal, each year. Therefore, I want the database setup in such a way that the yearly research, quotes and documents can be accessed for future reference.

I'm very ignorant to this unfortunately and not used a CRM for quite some time. From what I can see we would not require the "accounts" module at all and possibly not the "contacts" module either but I'm far from confident about this or indeed how the database would fit with our 'customer journey'. Most of what I've read and seen already seems more geared to B2B based setups.

Any and all help would be very gratefully received. Please let me know if you need any additional information to that given above.