1. YOU must answer all questions giving full and complete answers. 2. It is YOUR duty to provide all information that is requested in the Proposal Form.Please ensure you answer all questions. Please use the checklist below to indicate the operation in the QBE Pacific Islands region to which you will be submitting your proposal. MARKET. An auto insurance policy is a contract between you and an insurance company. You agree to pay the cost of the insurance policy, called a premium. Claim No. Date of Loss.