更新されたのは2024年01月18日認定試験E05問題集で練習テスト問題
更新された検証済みのE05問題集と解答で合格保証もしくは全額返金
CII E05認定試験は、ブローカー、引受会社、請求ハンドラー、リスクマネージャーなど、保険業界全体の専門家に最適です。また、弁護士や弁護士など、保険部門で働く法律専門家にも適しています。この試験は、専門家が保険法と規制に関する専門知識を実証し、業界内の信頼性とキャリアの見通しを強化する貴重な機会を提供します。
質問 # 22
According to statute law, an unfair term in a consumer insurance contract is defined as one which
- A. has been individually negotiated and is to the detriment of either one of the parties.
- B. causes a significant imbalance in the parties' rights to the detriment of the consumer.
- C. provides insurance where the scope of cover is narrow compared to the premium charged.
- D. does not restrict liability for death or personal injury.
正解：B
質問 # 23
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 insurer's subrogation rights will not be exercised against certain parties associated with the insured.
- C. Cover is suspended whilst the insurer pursues an action for subrogation.
- D. The insured has a duty to ensure that the insurer's subrogation rights are maintained.
正解：B
質問 # 24
A riot results in a shop being damaged and the shopowner's insurer settling the claim. A subrogation right enabling the insurer to sue the police authority arises under
- A. statute.
- B. a condition precedent to liability.
- C. tort.
- D. a condition subsequent to liability.
正解：A
質問 # 25
How can an agency relationship be best described?
- A. A person has transferred his obligations under a contract to another party.
- B. 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.
- C. A person has ratified another party's action.
- D. A person has the authority to act on behalf of another party.
正解：D
質問 # 26
The principle of subrogation prevents a policyholder from profiting from
- A. retaining salvaged property.
- B. assigning abandonment rights to the insurer.
- C. claiming under both his insurance policy and against any negligent third party.
- D. submitting a full claim recovery under more than one insurance policy.
正解：C
質問 # 27
Why may an insurer insert a continuing warranty into an insurance policy?
- A. To ensure that underinsurance is avoided at all times.
- B. To enable an insurer to charge an additional premium if the warranty is continually breached.
- C. To maintain the annual aggregate limit of liability throughout the policy period.
- D. To encourage good risk management by the insured throughout the policy period.
正解：D
質問 # 28
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. Reject the claim for breach of warranty.
- D. Make an ex-gratia payment.
正解：A
質問 # 29
Insurance agencies are usually created by way of
- A. deed of agreement.
- B. implied agreement.
- C. express agreement.
- D. unilateral agreement.
正解：C
質問 # 30
What is the most common for of corporation?
- A. Statutory corporation.
- B. Corporation sole.
- C. Registered corporation.
- D. Chartered corporation.
正解：C
質問 # 31
Which divisional court of the High Court includes a Commercial Court?
- A. Partnership Division.
- B. Queen's Bench Division.
- C. Family Division.
- D. Chancery Division.
正解：D
質問 # 32
Within what time period, from the date when the damage first began, does the owner of an office block have a right to sue the builder for negligent construction work?
- A. 3 years.
- B. 6 years.
- C. 15 years.
- D. 9 years.
正解：A
質問 # 33
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 there is a subrogation action against the manufacturer of the tumble dryer.
- C. If the tumble dryer is covered by extended warranty insurance.
- D. If the policyholder exaggerates the value of the claim.
正解：D
質問 # 34
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. £3,000
- B. £6,000
- C. £5,000
- D. £15,000
正解：C
質問 # 35
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 composite policy.
- B. Cover for both parties would be invalidated as the cover is likely to be a joint policy.
- C. Cover would be maintained in full for the innocent party as the cover is likely to be a composite policy.
- D. Cover would be maintained in full for the innocent party as the cover is likely to be a joint policy
正解：B
質問 # 36
For this question more than 1 option is correct. You must select all the correct options to gain the mark. In a consumer insurance policy, a warranty can arise as
- A. a continuing warranty.
- B. a basis of the contract clause.
- C. an exception clause.
- D. an express term.
正解：B、D
質問 # 37
Adam was bitten by a stray dog in Africa. He washed his wound in a pond and a week later he became very ill with a high temperature. Initially, the local hospital treated him for malaria and later treated him for the fever following the dog bite. Adam died in hospital. What is the proximate cause of his death?
- A. The delay in seeking medical treatment.
- B. The original physical injury of the dog bite.
- C. The delay in obtaining the correct medical treatment.
- D. The unhygienic washing of the dog bite.
正解：B
質問 # 38
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 independent financial adviser.
- B. a person holding a dominant position over Liz.
- C. a person holding a senior position at Liz's bank.
- D. Liz's husband.
正解：B
質問 # 39
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. Privilege.
- B. Necessity.
- C. Honest opinion.
- D. Prescription.
- E. Statutory authority.
正解：A、C
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 insurer only.
- B. The State
- C. The insured only.
- D. It is shared between the insurer and the insured.
正解：C
質問 # 41
For this question more than 1 option is correct. You must select ail the correct options to gain the mark.
In what circumstances does the Fires Prevention (Metropolis) Act 1774 require insurance companies to ensure that claims monies are used to rebuild or reinstate buildings destroyed or damaged by fire?
- A. Where there is underinsurance.
- B. When fraud or arson by the insured is suspected.
- C. Where the building was destroyed by an explosion.
- D. Upon the request of any person(s) interested in the buildings.
正解：B、D
質問 # 42
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CII E05試験は、Chartered Insurance Institute（CII）資格のM05保険法モジュールの一部です。この試験は、候補者の保険法と保険業界での申請に関する知識と理解をテストするように設計されています。この試験は、保険業界内の法的または規制の役割で働く保険の専門家を対象としています。
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