無料ダウンロードCII IF1リアル試験問題ゲットせよ [Q25-Q46]

無料ダウンロードCII IF1リアル試験問題ゲットせよ

最新のCII IF1リアル試験問題集PDF

CII IF1（保険法規（IF1））試験は、保険法規の知識やスキルを向上させたい個人のための認定試験です。これはChartered Insurance Institute（CII）が提供する基礎レベルの試験の1つであり、保険業界でキャリアを構築するために必要な資格です。試験は、保険の法規制フレームワーク、保険契約、リスク管理の原則、保険が金融サービス業界全体で果たす役割など、幅広いトピックをカバーしています。

質問 # 25
The capital requirements of insurers and intermediaries are set out by

A. Prudential Regulation Authority rules.
B. Money Laundering Regulations.
C. Data Protection legislation.
D. Proceeds of Crime Act 2002.

正解：A

質問 # 26
Which typo of insurer is owned by multiple policyholders?

A. A composite insurer.
B. A mutual insurer.
C. A captive insurer.
D. A proprietary insurer.

正解：B

質問 # 27
The website of an insurer must include the company's registered name, trading address, contact details and regulator. This is in accordance with rules enforced by the

A. Competition and Markets Authority.
B. Financial Ombudsman Service.
C. Advertising Standards Authority.
D. Prudential Regulation Authority.

正解：B

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. Consent.
B. Apparent authority.
C. Not at all.
D. Necessity.

正解：B

質問 # 29
If an insured signs an agreement with a hold harmless clause, this may prevent the insurer from

A. disclosing details to a third party.
B. increasing the premium.
C. reinsuring the risk.
D. pursuing subrogation rights.

正解：D

質問 # 30
A claim has arisen which is fully covered under insurer A's policy and insurer B's policy. Insurer A's policy has a sum insured of £30,000 and insurer B's policy has a sum insured of £50,000. What proportion of the claim is insurer B liable for if the principle of contribution applies on a rateable proportion by sum insured basis?

A. Two fifths.
B. Three fifths.
C. Three eighths.
D. Five eighths.

正解：D

質問 # 31
John has a whole of life policy and has recently been diagnosed with cancer. When, if at all. must he disclose this to his insurer?

A. Immediately, irrespective of prognosis.
B. At the date of the next premium payment.
C. Immediately, but only if the diagnosis is terminal.
D. He does not need to disclose this.

正解：D

質問 # 32
Alex decides to insure his factory. In doing this he is primarily

A. transferring the risk to the insurer.
B. protecting his business against certainty of loss.
C. reducing his physical hazard.
D. reducing his moral hazard.

正解：A

質問 # 33
If a firm is said to be risk averse, this means that it

A. undertakes its own risk management research.
B. carries its own risk wherever possible.
C. tenders its insurance needs to the market.
D. arranges insurance protection wherever possible.

正解：B

質問 # 34
Who is represented by a loss assessor?

A. A policyholder.
B. A broker.
C. An underwriter.
D. A claims handler.

正解：A

質問 # 35
When Susan applied for a new household contents insurance policy, she was obliged to disclose her extensive claims history. Such details are normally known as

A. indemnity.
B. material circumstances.
C. contractual terms.
D. warranties.

正解：B

質問 # 36
What is the basis of settlement under a new for old insurance policy if a television is stolen?

A. The replacement cost in full.
B. The original cost, less wear and tear.
C. The replacement cost, less wear and tear.
D. The original cost in full.

正解：C

質問 # 37
The purpose of Insurance Premium Tax is to

A. reimburse for claims of insolvent insurers
B. pay for flood defences.
C. raise revenue for the Government.
D. fund the Association of British Insurers.

正解：C

質問 # 38
A survey of a car repairers reveals a spray booth exists by an unguarded paraffin space beater. Also, a day's supply of paint is kept within the building and waste is removed daily from a metal bin. What will the underwriter perceive as the main physical hazard?

A. The paint.
B. The unguarded paraffin space heater.
C. The spray booth.
D. The waste bin.

正解：B

質問 # 39
The main function of an insurance broker is to

A. provide independent advice to clients.
B. introduce business lo a particular insurer.
C. negotiate claims.
D. act as the agent of the insurer.

正解：A

質問 # 40
Which distribution channel for household insurance is typically characterised by high advertising and promotional costs, with no payment of commission?

A. Lloyd's.
B. Independent brokers.
C. Direct insurers.
D. Appointed representatives.

正解：C

質問 # 41
The Financial Services Compensation Scheme was established to help policyholders in the event of

A. the financial failure of an insurance company.
B. the repudiation of liability by an insurer.
C. unreasonable policy terms and conditions.
D. fraud perpetrated by an insurance broker.

正解：A

質問 # 42
In a chain of events, the proximate cause of a loss is always the

A. last event before the loss occurs.
B. only event contributing towards the loss.
C. only event which is not excluded by the terms of the policy.
D. dominant event leading to the loss.

正解：D

質問 # 43
Bye-laws are passed at the Lloyd's Market by the

A. Lloyd's Market Association.
B. Lloyds Managing Agent.
C. Council of Lloyd's.
D. Corporation of Lloyd's.

正解：C

質問 # 44
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. Wear and tear.
B. Brokerage.
C. An excess.
D. Loss of interest.

正解：A

質問 # 45
A firm of insurance brokers holds client records on an index card system and does NOT intend to computerise this information. In what circumstances, if any, will these records be covered by the Data Protection Act 2018?