The proposer is the individual, or organization, who is seeking to take out car insurance. The person is also sometimes referred to as the prospective insured. In car insurance the insurance company does not only require details about the item it may insure, namely the car, but also about the proposer.

The very nature of car insurance – the fact that it is moveable property and is exposed to many risks – makes it imperative for the insurance company to assess the proposer as well. The driver or owner of a car’s risk profile plays a large role in the calculation of the car insurance premium. As an example people less than twenty five years of age will pay an additional premium as this age group has been proven to pose a higher risk for the insurance company.

The details provided by the proposer in the proposal form are very important as it will form the basis of a legal contract between the insurance company and the insured. The proposer has a legal right to declare all the required information accurately and truthfully and also to volunteer any additional information that may influence the risk. If it is found at any stage that material information was withheld or is incorrect, the insurance policy will be declared as null and void.