Which of the following is required in an insurance application regarding personal details?

In an insurance application, detailing all drivers' names and their percentage of use is crucial because it provides the insurer with an understanding of who will be operating the vehicle and how frequently. This information is necessary for assessing risk accurately. Knowing the drivers allows the insurer to evaluate their driving history, which can impact rates and coverage options. Additionally, the percentage of use for each driver helps determine the primary and secondary users of the vehicle, further aiding in risk assessment.

The other options, while important in their own contexts, do not provide the same fundamental insight into risk assessment. For instance, previous insurance claims (the first option) can indicate the likelihood of future claims but does not give a complete picture of current drivers and their habits. The ages of all drivers (the second option) are indeed relevant for evaluating risk due to statistical data showing that age can correlate with driving experience and accident likelihood, yet it is not as comprehensive as knowing driver names and usage patterns. The desired insurance coverage amount (the fourth option) is a critical part of the application but is more about the financial aspect rather than the risk assessment linked to the drivers themselves.

Overall, understanding who the drivers are and how much they will be using the vehicle is vital for an insurer to accurately