[QUOTE=Smeggle;428120 6]I have finally come to the conclusion that all you require to obtain a job in the Insurance arena is a distinct lack of common sense, an authoritarian attitude and the simple ability to repeat verbatim inane rules designed specifically to send a normal sane person into the depths of depression and mental illness.
This isn't true Smeggle.
Based on scant information, insurers or brokers can give a premium indication but not a legally binding quotation.
Apart from the standard questions such as DOB, occupation, type of car and address, "material facts" such as endorsements or the taking of prescribed medication have to be disclosed to the insurer. Once all relevant information has been furnished then the proposer can be put into the correct quotation category.
Insurers need a "gowl" category for certain types of proposer who object to answering questions though.
"How much would it cost to insure a red Ford Fiesta"!