Separate rating matrix for renewals

It would be extremely useful to have a separate rating matrix for renewals in order for me to do the following at renewal:

1. Increase certain sums insured by index linking amounts from a lookup table. 
2. Increase or decrease certain rates by a certain amount (say 5%) depending on the values of certain other fields i.e. claims free years. 
3. Add 1 to the number of years trading / number of years you have owned this premises. 
4. Increase the claims discount if no claims / increase it if there have been claims.

There may be a number of other things to do but this should cover it.

Cheers Mark