無料CII IF1試験問題と解答トレーニングを提供しています [Q23-Q45]

無料CII IF1試験問題と解答トレーニングを提供しています

トップクラスCII IF1オンライン問題集

CII IF1試験は保険業界で非常に尊敬されている認定資格であり、合格者は知識と専門知識が認められます。試験は、業界でキャリアを進めたい専門家にとっての均整の取れた基礎を提供し、CII保険上級ディプロマなどのより高度な資格取得に向けた重要なステップとなります。

質問 # 23
What is the current rate of Insurance Premium Tax for a motor insurance policy?

A. 10%
B. 12%
C. 20%
D. 9.5%

正解：B

質問 # 24
How do an insurer's subrogation rights differ, if at all, between a theft policy and a personal accident policy?

A. Subrogation rights only apply under a theft policy.
B. Subrogation rights do not apply under either policy.
C. Subrogation rights only apply under a personal accident policy.
D. Subrogation rights apply under both policies.

正解：A

質問 # 25
In order for a contract to be legally enforceable, what further action is required after offer and acceptance?

A. Exchange of consideration between the two parties.
B. Provision of written terms and conditions.
C. Delivery of goods or services concerned.
D. Witnessing by a third party.

正解：A

質問 # 26
The capital requirements of insurers and intermediaries are set out by

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

正解：D

質問 # 27
To whom, if anyone, can an agent normally delegate the responsibility imposed on net under an agency agreement?

A. To suitably experienced individuals only.
B. To anyone able to fulfil the duties.
C. The agent cannot delegate her responsibility.
D. To suitably qualified individuals only.

正解：C

質問 # 28
Reinsurance is usually purchased by the

A. regulator.
B. intermediary.
C. insurer.
D. insured.

正解：C

質問 # 29
If a proposer has failed to fully answer a question on a proposal form, the insurer is deemed to have waived its rights to this information because it

A. does not have the right to ask the proposer for more information.
B. has statistics on similar risks.
C. did not request further information.
D. should be able to underwrite the risk based on the information already provided.

正解：C

質問 # 30
Peter currently has no penalty points on his driving licence, although he was convicted of a minor motoring offence eight years ago. Why does Peter NOT need to disclose this to his motor insurer?

A. It represents a physical hazard.
B. It is information that would not influence an underwriter.
C. It represents a moral hazard.
D. It is a spent conviction.

正解：D

質問 # 31
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. conditional acceptance.
C. unconditional acceptance.
D. a Terms of Business Agreement.

正解：C

質問 # 32
A retail customer CANNOT buy insurance directly from which type of insurer?

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

正解：A

質問 # 33
Harry owns a sports car valued at £1.000 and agrees to sell it to Ben for £500. Ben discusses this with his solicitor who states the contract is

A. unenforceable unless Harry signs a disclaimer acknowledging the consideration as acceptable.
B. unenforceable as the consideration is inadequate.
C. enforceable as consideration does not need to be adequate.
D. enforceable but only if Harry does not refute the contract within six months of the contract date.

正解：C

質問 # 34
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. a real statement.
B. a first loss policy.
C. a new for old policy.
D. an indemnity policy.

正解：B

質問 # 35
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. None of the premium.
B. A pro rata amount.
C. The full year's premium less a fixed nominal charge.
D. The full year's premium.

正解：C

質問 # 36
A Terms of Business Agreement between an insurer and an intermediary will normally state that the insurer will deal with the policyholder

A. via the intermediary.
B. outside normal business hours,
C. only when collecting premiums.
D. on a direct basis,

正解：A

質問 # 37
What type of organisation is the British Insurance Brokers' Association?

A. A specialist regulator.
B. A trade body.
C. An educational body.
D. A public limited company.

正解：B

質問 # 38
The principle of indemnity is the

A. placing of the insured, after a loss, in the same financial position as enjoyed immediately before the loss.
B. placing of the insured, at expiry of a policy, in the same financial position as enjoyed at inception.
C. obligation of the insurer to provide a maximum sum insured or limit of liability.
D. obligation of the insurer to pay all valid claims according to the terms and conditions of the policy.

正解：A

質問 # 39
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. Indemnity.
B. Proximate cause.
C. Good faith.
D. Insurable interest.

正解：D

質問 # 40
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. Dual insurance.
B. Self-insurance.
C. Reinsurance.
D. Coinsurance.

正解：D

質問 # 41
What is the legal standing of the Charioted Insurance Institute's Code of Ethics?

A. It is to be applied in conjunction with existing Acts.
B. It does not have the force of law.
C. It has full stand-alone legal recognition.
D. It has full force of Jaw except where overridden by pre-existing Acts.

正解：B

質問 # 42
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. Cancel the policies from inception for non-payment.
B. Write to the liquidator to register the debt.
C. Apply for a second payment from the policyholders.
D. Offer a discounted premium payment to the policyholders.

正解：B

質問 # 43
Under the provisions of the Financial Services Act 2012. what action, if any, can the regulator take against a firm that has committed money laundering offences?