What is a Home Insurance Proposal Form?

 

Answer:

 

To obtain a quotation for Home Insurance you need to complete a Proposal Form

 

The  Form provides information concerning your Home and Contents

 

The answers given are  important and should be accurate. They form the basis of a contract between you and the Insurance Company.

 

Insurance policies are policies of Ut Most Good Faith. You have a duty to provide all necessary and accurate information.

 

You also have a duty to advise Insurers of any Material fact whether asked for or not. A material fact is  any fact which may influence an Insurer whether to offer to Insure your property and at what premium.

 

In the event that a false answer or material fact is not given to an Insurer then this could invalidate your policy preventing you from claiming and in addition it could be a Criminal Offence.

 

To make completing a Proposal Form easier it is necessary to give some thought to the questions that are asked.

 

The list of questions referred to is not exhaustive and some Insurers may require additional Information

 

Personal Details ANSWERS
   
Name of Insured  
   
Date of Birth  
   
   
Occupation  
   
Joint Insured's  
   
Name Of Joint Insured  
   
Date of Birth  
   
Occupation  
   
Relationship to First Insured  
   
Day Time Telephone Number  
   
Home Telephone Number  
   
The Insured Property  
   
Address of the Property  
   
Postcode  
   
Period of Ownership  
   
If less than 3 Years previous residence give address and period of occupation  
   
   
   
Type of Property   
   
House   
Maisonette   
Flat  
Bungalow  
Town House  
   
Detached  
Semi Detached  
Terraced  
   
Age of Property  
   
Is the Property Listed  
   
Your Relationship to the property  
   
Landlord  
Owner Occupier  
   
For Rented premises  
   
Furnished  
Unfurnished  
   
Age of Property  
   
Number of Bedrooms  
   
   
Type of Cover  
   
Standard Cover  
Accidental Damage Cover  
   
Start Date  
   
Full Rebuilding Cost Building Sum Insured  
   
Excess  
   
General Information  
   
Have you or anyone living with you or who will be living with you  
   
made any insurance claim or sustained any building loss or contents loss damage injury or liability at this or any previous address in the past  5 years either insured or not    
   
If Yes  
   
Further Information  
   
Buildings Claim  
   
   
   
Contents Claim  
   
   
   
   
Other  
   
   
   
Ever had insurance declined  renewal refused cover terminated or special conditions imposed by an insurer  
   
Ever been convicted or have any prosecution pending for any Criminal Offence  (other than a motoring conviction)  
   
Ever been declared bankrupt  
   
Is Your Home  
   
Built of standard construction  
   
Showing Any signs of / or previously suffered subsidence landslip or ground heave and/ or in an area liable to flooding subsidence landslip or ground heave.  
   
Liable to flooding  
   
Used at weekends only or as a holiday cottage  
   
Left unoccupied for 30 consecutive days or unfurnished for 60 consecutive days  
   
Self contained with no shared access facilities and a separate lockable entrance under your control  
   
Occupied solely by you and your family  
   
Used for business purposes  
   
Are you a member of a Neighbourhood Watch Scheme  
   
Have you an alarm  
   
Are all external doors secured by a five lever mortice locks and are all accesible windows secured by security locks  
   
   

 

Print off this page and fill in the answers

 

You have now got answers to typical Questions so return to

 

How to obtain an Insurance Quotation

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Home
What is covered under a Home Insurance Policy
◦ What is covered under a Building Policy
◦ What is covered under Accidental Damage Building Policy ?
◦ How do you calculate the Building Sum Insured
◦ Building Sums Insured for Listed Building / Period Properties?
◦ What is covered under a Contents Policy
◦ Other Cover Under A Contents Policy?
◦ What is covered under Accidental Damage Contents Policy ?
◦ How do you calculate the Contents Sum Insured?
How do I get a Home Insurance Quotation?
◦ What is a Home Insurance Proposal Form?
How do I make a claim under a Home Insurance Policy?
◦ What Happens When you make a Contents Claim?
◦ What happens when you make a Building Claim?
How do I make a Complaint under a Home Insurance Policy?
Home Insurance Forum
Home Insurance Useful Contacts
Home Insurance Glossary of Insurance Terms
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