The insurer needs to know some basic information about you. This is to assist the insurer to better assess the underwriting risk so that proper premiums can be set.
It is important to answer these questions truthfully. Failure to do so may result in your policy being void and your insurer may repudiate any claims against the policy. The following are some frequently asked questions:
- Have you made any recent claims?
- Have you had any recent motor accidents?
- Have you ever received a Traffic Summons or been charged for a driving offence?
- Has your vehicle been modified?
- What will the vehicle be used for?
- How long have you been driving?
- Who will be driving the vehicle?
- Do you have any medical conditions or disabilities that may affect your driving?
Please clarify with your insurer, agent or broker should you have any doubts in answering any questions.