The proposal form needs to be submitted and sent (along with the quotation) to the insurer in order for them to underwrite your motor car insurance policy. The underwriter relies on the information given by the car owner to assess the risk undertaken by the insurance company.

Therefore it is important that car owners provide accurate and relevant details as required by the proposal form, to the best of your knowledge.

The following information is usually requested in the proposal form:

- Name & Address Of Car Owner
- Type Of Business Or Trade (If Applicable)
- Driving Experience Of All Drivers, Insured & Named Drivers
- Claims Experience & NCD (aka. NCB) Entitlement Amount
- Type Of Cover (Comprehensive, 3rd Party, Etc.)
- Vehicle Usage
- Whether Your Car Has Been Modified
- Vehicle’s Make & Model, Seating Capacity, Market Value & Year Of Manufacture
- Vehicle Registration Number, Date Of Registration, Engine Number & Chassis Number
- Finance Company (or Hire Purchase Company), if Applicable
- Some Details Of Vehicle’s Accessories

Soon after submission, the Certificate of Insurance or Cover Note can be released to the car owner.

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You’ll need a Certificate of Insurance in order to renew your road tax. This certificate must be produced in order to show the existence of your car insurance. It is a document signed by an official of the insurer to certify the authenticity of the certificate.

Information found on the Certificate of Insurance includes:

- The Certificate Number,
- The Name of Insured,
- The Registration Number of Vehicle,
- The Date of Commencement and Date of Expiry of Insurance,
- Persons or classes of persons entitled to drive the vehicle, &
- Limitations of Use

For certificates issued to a fleet of vehicles (aka. Motor Fleet Insurance), the registration number of the vehicles is replaced by the description of vehicles.

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A cover note is sent to you as an interim document before the issue of your insurance policy and certificate. These are effective contracts of insurance.

You’ll need a cover note if you’re registering a new vehicle. The Land Transport Authority requires this document as a “proof of insurance” before they’ll process your registration.

Once registration is done, the insurer will then send you the certificate of insurance printed with your vehicle registration (car plate) number.

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