When has an offer been made in the insurance process, according to the scenario provided?

An offer in the insurance process is considered to have been made when the completed proposal form is submitted. This is because the proposal form represents a formal application by the applicant for insurance coverage, detailing the terms and conditions under which they seek to secure insurance. By submitting this form, the potential insured is providing the insurer with all necessary information to consider and evaluate the risk, thus constituting a clear offer to enter into an insurance contract based on the specified details.

While marketing materials provide useful information to potential clients, they do not constitute an offer but rather a means of educating and attracting consumers. The insurer confirming cover, on the other hand, reflects acceptance of an offer rather than the act of making one. Similarly, a client's request for a quotation indicates interest in obtaining coverage but does not fulfill the requirement of presenting a formal offer to the insurer. Therefore, the submission of a completed proposal form is the pivotal moment in the insurance process when an official offer is made.