Proposal forms are not customary in cargo insurance,but many firms do use a transit application form which lists the information they require. Since the fullest information reduces the possibility of any breach of utmost good faith, it is better to supply full details than to restrict oneself to the bare minimum. Every material circumstance must be disclosed and what is “material” will depend upon the facts of every consignment.
货物保险习惯上虽不使用建议书，但许多公司的 确使用过渡性的申请书列出他们所需的信息。因为信息越详细就越有可能减少违反最大诚信原则，因此，最好是提供充分的信息而不要只局限于提供最低限度的情况。必须公开每个实质 性的事项并根据每一批货物的情况来决定“实质性的”事项是什么。