Nature of questions in a proposal form:

 

b) Nature of questions in a proposal form:

he number and type of questions in a proposal form depend upon the class of insurance sought. i. Fire insurance: For simple risks like a house or a shop, completed proposal form is enough. For large industrial risks insurers arrange inspection of the risk before acceptance. Sometimes insurers collect additional information though a special questionnaire. 
Insurers need the following information for underwriting the risk:
Fire insurance:
Construction of external walls and roof, number of story 
Occupation of each portion of the building 
Presence of hazardous goods 
Process of manufacture 
Sums proposed for insurance 
Period of insurance etc.

ii. For motor insurance:
Details of the vehicle
Use of the vehicle
Carrying capacity
How it is managed by the owner etc.
iii. In personal lines: 
Occupation
Proposer’s health, 
Way of life and habits 
Pre-existing health conditions
Medical history
Hereditary traits
Past insurance experience etc. 
iv. In other miscellaneous insurances:
Questions are set according to the type of policy required besides general personal details.

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