合格させるCII E05試験最速合格
準備E05問題解答でE05試験問題集
CIIのE05試験は、CIIのM05保険法資格の重要な要素です。この試験は、保険法の知識を深め、業界でのキャリアの展望を向上させたい保険業界のプロフェッショナルを対象としています。E05試験は、候補者が主要な法的原則を理解し、保険業界への適用を評価することを意図しています。
質問 # 20
The test of the materiality of facts in an insurance contract is defined according to the opinion of a
- A. reasonable person.
- B. prudent underwriter.
- C. honest proposer.
- D. diligent broker.
正解：B
質問 # 21
The proximate cause of a loss is best described as the
- A. most dominant cause of the loss.
- B. most remote cause of the loss.
- C. first peril to cause the loss.
- D. final peril to cause the loss.
正解：A
質問 # 22
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. Pay the claim in full.
- B. Avoid the policy ab initio.
- C. Make an ex-gratia payment.
- D. Reject the claim for breach of warranty.
正解：A
質問 # 23
In the tort of negligence, a primary victim of nervous shock is a class of person who suffers psychiatric injury
- A. as a result of grief or sorrow for the loss of a person with whom he had a close relationship.
- B. as a result of stress or harassment at work.
- C. through fear for his own safety in an accident.
- D. through fear for the safety of another person involved in an accident which he witnessed.
正解：C
質問 # 24
A household insurance policyholder leaves his home to go to work without setting the burglar alarm. Whilst he was out, his new tumble dryer overheats and causes fire damage to the kitchen. In what circumstances may the insurer legally reject a fire claim?
- A. If there is a breach of a warranty requiring the burglar alarm to be set.
- B. If the policyholder exaggerates the value of the claim.
- C. If the tumble dryer is covered by extended warranty insurance.
- D. If there is a subrogation action against the manufacturer of the tumble dryer.
正解：B
質問 # 25
For this question more than 1 option is correct. You must select all the correct options to gain the mark. What are the main sources of new English Law?
- A. International treaties.
- B. Case law.
- C. Legislation.
- D. Official law reports.
正解：B、C
質問 # 26
How can an agency relationship be best described?
- A. A person has transferred his obligations under a contract to another party.
- B. A person has the authority to act on behalf of another party.
- C. A person has ratified another party's action.
- D. A person, who has paid another party under a contract, has the right to stand in the place of that other party and avail himself of the rights and remedies of that party.
正解：B
質問 # 27
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. £5,000
- B. £6,000
- C. £3,000
- D. £15,000
正解：A
質問 # 28
What is the intended purpose of a subrogation waiver clause in an insurance po
- A. The doctrine of subrogation is excluded from the policy.
- B. The insured has a duty to ensure that the insurer's subrogation rights are maintained.
- C. Cover is suspended whilst the insurer pursues an action for subrogation.
- D. The insurer's subrogation rights will not be exercised against certain parties associated with the insured.
正解：D
質問 # 29
A claimant may possibly recover money transferred under an illegal contract when
- A. the illegality makes the contract voidable rather than void.
- B. both parties to the contract are equal in wrongdoing.
- C. the contract is against public policy but not substantive law.
- D. the legal portion of the contract can be severed from the illega portion.
正解：B
質問 # 30
For this question more than 1 option is correct. You must select all the correct options to gain the mark. Which special defences are available to the fort of libel?
- A. Prescription.
- B. Statutory authority.
- C. Honest opinion.
- D. Necessity.
- E. Privilege.
正解：C、E
質問 # 31
Tim is a local insurance broker. He has authority to receive premiums for a personal lines insurer and earns commission from the insurer for sales. Paul, an elderly customer, asked Tim for advice regarding his personal insurance requirements and to assist with completing the proposal form for household insurance. In these circumstances, who, if anyone, is Tim's principal?
- A. Paul as it is a consumer contract.
- B. Both the insurer and Paul at different times.
- C. The insurer at all times.
- D. No one as Tim is not a party to the insurance contract.
正解：C
質問 # 32
Dan made a financial arrangement on behalf of Liz. However, Liz had the arrangement set aside by the court on the basis that she had been unduly influenced by Dan. To establish undue influence, the court must have specifically identified Dan as
- A. Liz's husband.
- B. a person holding a dominant position over Liz.
- C. a person holding a senior position at Liz's bank.
- D. Liz's independent financial adviser.
正解：B
質問 # 33
A property policy contains a condition regarding prompt loss notification. If the insured fails to comply with this condition, in practice, the insurer is likely to
- A. avoid the claim automatically due to the breach of the policy condition.
- B. only avoid the claim if the delay has seriously prejudiced its investigation and handling of the claim.
- C. settle the claim and recover its outlay from the insured.
- D. settle the claim and cancel the insurance policy from inception.
正解：A
質問 # 34
In what circumstances is abandonment automatic under a marine hull insurance policy?
- A. The insured has performed an action of abandonment.
- B. The actual total loss of the vessel.
- C. The insured has sent a formal notice of abandonment.
- D. The constructive total loss of the vessel.
正解：B
質問 # 35
For this question more than 1 option is correct. You must select all the correct options to gain the mark. What are the characteristics of a corporation aggregate?
- A. It is answerable to its shareholders or members.
- B. It is an organisation with a separate legal existence to its membership.
- C. It is a legal person representing one official position.
- D. It is not treated as a separate legal entity.
正解：A、B
質問 # 36
A married couple have equal shares in a property and are insured under a buildings insurance policy. What is the likely position in law of a breach of good faith by one party, which was unknown to the other party?
- A. Cover for both parties would be invalidated as the cover is likely to be a joint policy.
- B. Cover for both parties would be invalidated as the cover is likely to be a composite policy.
- C. Cover would be maintained in full for the innocent party as the cover is likely to be a joint policy
- D. Cover would be maintained in full for the innocent party as the cover is likely to be a composite policy.
正解：A
質問 # 37
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