リリースCII M05更新された問題PDF
M05問題集と練習テスト（121試験問題)
質問 # 18
Which of the following is not a typical requirement for the formation of an insurance contract?
- A. The disclosure of a medical history
- B. An acceptance of the offer
- C. The payment of a premium.
- D. An offer to insure
正解：A
解説：
The disclosure of a medical history
Explanation: While disclosure of material facts, such as medical history, is crucial under the principle of utmost good faith, it isnotarequirementfor the formation of an insurance contract. The core requirements are an offer, acceptance, and consideration (premium).
質問 # 19
John owns stock that he intentionally insured for £15,000, although the full value of the stock is £18.000. His insurance policy has no excess and is subject to a pro rata condition of average. In the event of water damaging £6.000 of John's stock, how much will the insurer pay for a valid claim after the application of average?
- A. £15,000
- B. £5,000
- C. £6,000
- D. £3,000
正解：B
質問 # 20
Which of the following regulatory bodies oversees the conduct of insurance firms in the UK?
- A. Insurance Ombudsman Service
- B. Prudential Regulation Authority (PRA)
- C. Financial Conduct Authority (FCA)
- D. Bank of England
正解：C
解説：
Financial Conduct Authority (FCA)
質問 # 21
In tort law, when, if at all. is a minor legally responsible for his acts?
- A. He is never responsible.
- B. He is usually fully responsible.
- C. He is only responsible if he is over 14 years of age.
- D. He is only responsible if a criminal ad has also been committed.
正解：C
解説：
In tort law, minors (under the age of 18) may generally be held liable for their actions, but in certain situations, the court may consider the minor's age and maturity when determining responsibility. In some jurisdictions, the age of 14 is a key threshold for liability. However, it's important to note that this can vary depending on the specifics of the case and the jurisdiction.
質問 # 22
Bill owned a painting which was insured under a policy containing a first refusal clause. The painting was stolen and Bill's claim was settled, but several months later the painting was recovered by the police. As a consequence, what is Bill's position under his insurance policy?
- A. Bill may exercise an option to buy the painting back.
- B. Bill may keep the claim settlement and also keep the painting.
- C. Bill must return the claim settlement in exchange for the painting.
- D. Bill must buy the painting back.
正解：A
質問 # 23
Which legislation regulates the conduct of insurance companies and their intermediaries in the UK?
- A. The Consumer Insurance (Disclosure and Representations) Act 2012
- B. The Financial Services and Markets Act 2000
- C. The Companies Act 2006
- D. The Insurance Act 2015
正解：B
解説：
The Financial Services and Markets Act 2000 (FSMA) regulates the conduct of financial services firms, including insurance companies and intermediaries, in the UK. It establishes the framework for the regulation of the insurance industry.
質問 # 24
Which of the following is a feature of an insurance contract under the principle of "utmost good faith"?
- A. Both parties must agree on the premium amount in advance.
- B. The insurer must be transparent about the terms of the policy.
- C. The insured must disclose all material facts relevant to the risk.
- D. The insurer must pay all claims, regardless of the terms of the policy.
正解：C
解説：
Under the principle of utmost good faith (also known as "uberrimae fidei"), the insured must disclose all material facts to the insurer that could affect the insurer's decision to provide coverage or the terms of the policy.
質問 # 25
A warranty in Emily's personal travel insurance policy states that cash must be kept in a locked safe. Whilst on holiday, a storm destroys her hotel and its contents. When Emily completes a claim form for loss of money, she admits that her cash was NOT locked in the safe. What will be the insurer's likely response to her claim for the lost money?
- A. Avoid the policy ab initio.
- B. Make an ex-gratia payment.
- C. Pay the claim in full.
- D. Reject the claim for breach of warranty.
正解：C
質問 # 26
A proposer for household insurance completes and submits an online application. When the insurer's website responds with a quotation based on the application, the quotation is most likely to be legally regarded as:
- A. an offer
- B. an acceptance of an offer
- C. an invitation to treat
- D. a counter offer
正解：A
質問 # 27
Which of the following is true about insurable interest?
- A. Insurable interest must always be proven at the time the policy is issued
- B. The policyholder must have an interest in the property at the time of policy purchase but not at thetime of loss
- C. The policyholder must have a financial stake in the property or event insured at the time of loss
- D. Insurable interest is only required for life insurance policies
正解：C
解説：
interestrefers to the requirement that the policyholder must stand to suffer a financial loss from the event insured. In most cases, this must be proven at the time of loss, not just when the policy is issued.
質問 # 28
In the context of an insurance claim, what does the principle of subrogation refer to?
- A. The insurer's right to reduce the claim payout
- B. The insured's right to receive compensation up to the value of their loss
- C. The insurer's right to pursue a third party responsible for the loss
- D. The insured's obligation to provide all relevant documents to the insurer
正解：C
解説：
Subrogationis the principle that allows the insurer to step into the shoes of the insured and pursue any third party responsible for causing the loss. This helps the insurer recover the claim amount paid out to the insured.
質問 # 29
Which of the following is an example of a condition precedent in an insurance contract?
- A. A policyholder's obligation to make premium payments
- B. A policyholder's agreement to not engage in fraudulent behavior
- C. The insured's duty to disclose any material changes in their circumstances
- D. The insurer's requirement to pay claims within a specific period after notification
正解：C
解説：
Explanation:Conditions precedentare actions or circumstances that must be met or fulfilled before the insurer is obligated to pay a claim. Failure to fulfill a condition precedent, such as disclosing material changes in circumstances, may result in a denial of a claim.
質問 # 30
What is the principal reason for which a proposer is asked by the insurer whether his car will be driven by anyone else?
- A. To enable a loading to be applied.
- B. It is a material circumstance.
- C. To establish whether insurable interest exists.
- D. To enable a discount to be applied.
正解：B
質問 # 31
A storm blew down the wall of a limber building. The failing wall broke electrical wiring, which short- circuited and the resultant sparks caused a fire. The lire brigade used water to put out the fire and the water caused damage to the unburnt contents. What is the proximate cause of the damage to the unburnt contents?
- A. The water damage.
- B. The falling wall.
- C. The fire.
- D. The storm.
正解：D
質問 # 32
Why may an insurer insert a continuing warranty into an insurance policy?
- A. To enable an insurer to charge an additional premium if the warranty is continually breached.
- B. To maintain the annual aggregate limit of liability throughout the policy period.
- C. To ensure that underinsurance is avoided at all times.
- D. To encourage good risk management by the insured throughout the policy period.
正解：D
質問 # 33
In what circumstances is abandonment automatic under a marine hull insurance policy?
- A. The constructive total loss of the vessel.
- B. The insured has sent a formal notice of abandonment.
- C. The actual total loss of the vessel.
- D. The insured has performed an action of abandonment.
正解：C
質問 # 34
The Chancery Division is a division of the:
- A. Crown Court.
- B. County Court.
- C. High Court.
- D. Magistrates Court.
正解：C
解説：
The Chancery Division is one of the three divisions of the High Court in the United Kingdom, dealing with matters such as business law, trusts, and intellectual property.
質問 # 35
At what stage is insurable interest required for a marine cargo insurance policy?
- A. At inception of the policy only.
- B. At both inception of the policy and at the time of the loss.
- C. At the time of the loss only.
- D. Throughout the duration of the contract.
正解：C
質問 # 36
In terms of private motor insurance, a renewal offer can be accepted
- A. by any third party.
- B. by the proposer acting in reliance of the offer.
- C. only by written communication.
- D. only by the proposer personally.
正解：B
質問 # 37
Under insurance law, what is the effect of a fraudulent claim on an insurance policy?
- A. The insurer may cancel the policy and deny the claim
- B. The insurer is required to pay the claim regardless of the fraud
- C. The policyholder must repay any claim payments made previously
- D. The policyholder may still receive a partial payout
正解：A
質問 # 38
A person insures her own life under a life insurance policy but does so expressly for the benefit of another. To facilitate this, which type of arrangement is most commonly established?
- A. Coinsurance.
- B. Trust.
- C. Power of Attorney.
- D. Lien.
正解：B
質問 # 39
Which of the following statements is true regarding exclusions in an insurance policy?
- A. Exclusions are always inapplicable if the insured pays extra for coverage
- B. Exclusions apply only if the loss is caused by fraud
- C. Exclusions are added to increase the risk of the insurer
- D. Exclusions limit the scope of coverage, specifying situations that are not covered
正解：D
解説：
Explanation:Exclusionsare provisions in an insurance policy that specify certain events or situations that are not coveredby the policy, even if a loss occurs. For example, war or terrorism may be excluded from certain policies. These exclusions help the insurer manage risk.
質問 # 40
Who is entitled to the surplus if a subrogation recovery from a negligent third party is greater than the amount the insurer has paid to the insured?
- A. The State
- B. The insured only.
- C. The insurer only.
- D. It is shared between the insurer and the insured.
正解：B
質問 # 41
What is the role of the Financial Ombudsman Service (FOS) in insurance disputes?
- A. It provides legal advice to insurers
- B. It helps consumers resolve complaints with their insurers
- C. It issues licenses to insurance companies
- D. It regulates the pricing of insurance products
正解：B
解説：
The Financial Ombudsman Service (FOS) is an independent body that helps consumers resolve disputes with financial services, including insurance companies. It provides a neutral mechanism for dispute resolution.
質問 # 42
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