An application is a written statement by you that gives the information to an insurance company who in turn decides how to set up your policy based on the information provided.

You will have to answer these and more questions when you buy an automobile insurance policy:

  • Full Name and Postal Address of Applicant
  • The time and date of the policy
  • Particulars of the Described Automobile
  • Coverage Applied for
  • Drivers Physical and/or mental impairment
  • Conviction and accidents
  • License suspensions
  • Cancellation of previous policies
  • Use of automobile
  • Excluded Uses
  • Legal Owner/Registered Owner
  • Declaration

Understand that the application is a contract. For some types of special insurance (claims made form) the application is attached to and becomes part of the the actual policy.

If you are not sure how to answer a question then talk to your agent or broker. Do it right from the beginning and you will not have regrets later.

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