有効なIF1テスト解答CII IF1試験PDF問題を試そう
CII IF1認定リアル2023年最新の模擬試験合格させます
質問 27
What type of reduction is sometimes applied to the replacement cost of an item under an insurance policy claim in order to reflect the application of indemnity?
- A. An excess.
- B. Loss of interest.
- C. Brokerage.
- D. Wear and tear.
正解: D
質問 28
An agent, acting outside the terms of her agency agreement, binds her principal to a contract with a third party who has reason to believe that the agent can act in that capacity. On what basis, if al all, is the principal bound by the agent's actions?
- A. Not at all.
- B. Consent.
- C. Necessity.
- D. Apparent authority.
正解: D
質問 29
Which principle of insurance prevents a member of the public from taking out an insurance policy on the life of a celebrity in the hope of receiving a windfall on the celebrity's death?
- A. Good faith.
- B. Insurable interest.
- C. Indemnity.
- D. Proximate cause.
正解: B
質問 30
How would an employee benefit directly from her employer's business interruption insurance if its factory was forced to close temporarily due to flood damage?
- A. By payment of a redundancy lump sum.
- B. By compensation for loss of bonus.
- C. By continuation of her wages.
- D. By payment of an early retirement pension.
正解: C
質問 31
An intermediary needs to place a large properly risk, however the insurance company can only write 25% of the risk. What type of insurance arrangement would the intermediary require to complete the risk?
- A. Self-insurance.
- B. Reinsurance.
- C. Coinsurance.
- D. Dual insurance.
正解: C
質問 32
A broker collects premiums on behalf of an insurer and subsequently goes into liquidation. Various premiums are outstanding to the insurer, despite policyholders having paid the broker What action is the insurer most likely to take?
- A. Offer a discounted premium payment to the policyholders.
- B. Write to the liquidator to register the debt.
- C. Apply for a second payment from the policyholders.
- D. Cancel the policies from inception for non-payment.
正解: B
質問 33
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 establish whether insurable interest exists.
- B. To enable a loading to be applied.
- C. To enable a discount to be applied.
- D. It is a material circumstance.
正解: D
質問 34
How would an insurer's portfolio of motor claims be shown in terms of frequency and severity?
- A. Low frequency, low seventy.
- B. High frequency, low severity.
- C. Low frequency, high seventy.
- D. High frequency, high seventy.
正解: B
質問 35
Bye-laws are passed at the Lloyd's Market by the
- A. Lloyds Managing Agent.
- B. Corporation of Lloyd's.
- C. Lloyd's Market Association.
- D. Council of Lloyd's.
正解: D
質問 36
What are the other key components of risk apart from uncertainty?
- A. Financial losses and speculation.
- B. Low severity losses and low frequency losses.
- C. Financial losses.
- D. The level of risk, peril and hazard.
正解: D
質問 37
What type of organisation is the British Insurance Brokers' Association?
- A. A public limited company.
- B. An educational body.
- C. A trade body.
- D. A specialist regulator.
正解: C
質問 38
When motor insurance is purchased directly with an insurer, what is usually the main disadvantage to the policyholder in the event of a claim compared to purchasing indirectly through a different marketing channel?
- A. The policy excess is higher.
- B. There is no intermediary to provide assistance.
- C. The risk of losing a no claims discount is greater.
- D. A courtesy car is not available.
正解: B
質問 39
Which professional body specialises in giving its members advice on the long-term management of assets and liabilities?
- A. The International Underwriting Association of London.
- B. The Chartered Institute of Loss Adjusters.
- C. The Institute and Faculty of Actuaries.
- D. The Lloyd's Market Association.
正解: C
質問 40
When an insurer is aware that the total value of stock is more than the sum insured and issues a policy on this basis, this is known as
- A. an indemnity policy.
- B. a new for old policy.
- C. a real statement.
- D. a first loss policy.
正解: D
質問 41
If an insurer invokes the cancellation clause to cancel a policy mid-year due to a change in the risk, how much of the premium, if anything, is normally returned to the policyholder?
- A. The full year's premium.
- B. None of the premium.
- C. A pro rata amount.
- D. The full year's premium less a fixed nominal charge.
正解: D
質問 42
Joel buys a house in a flood plain, but it has NOT flooded for 10 years. In purchasing insurance, Joel is managing what element of risk?
- A. Certainty.
- B. Statutory requirements.
- C. Frequency.
- D. Uncertainty.
正解: D
質問 43
An insured is temporarily disabled due to illness and unable to work. During this period, what type of insurance policy will typically pay a weekly benefit for up to two years?
- A. A critical illness insurance policy.
- B. A personal accident and sickness insurance policy.
- C. An employers' liability insurance policy.
- D. A medical expenses insurance policy.
正解: B
質問 44
A retail customer CANNOT buy insurance directly from which type of insurer?
- A. A mutual insurer.
- B. A direct insurer.
- C. A composite insurer.
- D. A captive insurer.
正解: D
質問 45
Sara searches on a comparison website for car insurance. She selects the cheapest quotation and pays by credit card for immediate cover. This is known as
- A. an offer.
- B. unconditional acceptance.
- C. a Terms of Business Agreement.
- D. conditional acceptance.
正解: B
質問 46
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