2021年12月23日合格確定ガイド準備IF1試験知能問題集 [Q46-Q64]

2021年12月23日合格確定ガイド準備IF1試験知能問題集

無料最新Certificate in Insurance IF1リアル試験問題と回答2021年更新

質問 46
Which typo of insurer is owned by multiple policyholders?

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

正解: C

質問 47
What are the other key components of risk apart from uncertainty?

A. The level of risk, peril and hazard.
B. Low severity losses and low frequency losses.
C. Financial losses.
D. Financial losses and speculation.

正解: A

質問 48
Who is represented by a loss assessor?

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

正解: B

質問 49
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 medical expenses insurance policy.
B. A critical illness insurance policy.
C. A personal accident and sickness insurance policy.
D. An employers' liability insurance policy.

正解: C

質問 50
Barbara owns a factory employing 20 people. What insurance is she required to hold by law?

A. Employers' liability insurance.
B. Products liability insurance.
C. Public liability insurance.
D. Professional indemnity insurance.

正解: A

質問 51
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. Advertising Standards Authority.
B. Competition and Markets Authority.
C. Prudential Regulation Authority.
D. Financial Ombudsman Service.

正解: D

質問 52
From April 2019. a small company with nine employees is in dispute with its insurer and wishes to refer the matter to the Financial Ombudsman Service (FOS). The FOS is only permitted lo deal with the dispute if the insured's turnover does NOT exceed

A. £1,000,000
B. £6,500,000
C. £6,000,000
D. £3,500,000

正解: A

質問 53
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. Five eighths.
B. Two fifths.
C. Three fifths.
D. Three eighths.

正解: A

質問 54
The main purpose of the fair treatment of customers initiative is to

A. build consumer confidence in the financial services industry.
B. ensure all firms have a similar service standard.
C. make firms more competitive.
D. apply fixed times for responding to claims and complaints.

正解: A

質問 55
A policyholder achieves peace of mind when insuring his car by

A. eliminating the risk of loss.
B. reducing the chance of a loss occurring.
C. transferring the risk to the insurer.
D. preventing the chance of a loss occurring.

正解: C

質問 56
Why is effective risk management important to an insurer?

A. It always reduces costs.
B. It increases premium income.
C. It helps to reduce a company's loss exposure.
D. It increases the insurer's capacity.

正解: C

質問 57
Who cedes business to a reinsurer?

A. The insurer.
B. The assessor.
C. The insured.
D. The agent.

正解: A

質問 58
A Terms of Business Agreement between an insurer and an intermediary will normally state that the insurer will deal with the policyholder

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

正解: D

質問 59
An investor is unable to obtain insurance to protect his potential losses while trading on the stock market because the category of risk is deemed to be

A. speculative.
B. pure.
C. particular.
D. financial.

正解: A

質問 60
Which distribution channel for household insurance is typically characterised by high advertising and promotional costs, with no payment of commission?

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

正解: D

質問 61
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. a Terms of Business Agreement.
B. unconditional acceptance.
C. conditional acceptance.
D. an offer.

正解: B

質問 62
The Financial Ombudsman Service will make a ruling on a dispute between

A. an insurer and a reinsurer.
B. a private individual and an insurer.
C. an insurance broker and an insurer.
D. a third party and the insurer against whom he is making a liability claim.

正解: B

質問 63
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?