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質問 # 11
What are the other key components of risk apart from uncertainty?
- A. Financial losses and speculation.
- B. The level of risk, peril and hazard.
- C. Financial losses.
- D. Low severity losses and low frequency losses.
正解：B
質問 # 12
In a chain of events, the proximate cause of a loss is always the
- A. last event before the loss occurs.
- B. dominant event leading to the loss.
- C. only event contributing towards the loss.
- D. only event which is not excluded by the terms of the policy.
正解：B
質問 # 13
If a firm is said to be risk averse, this means that it
- A. tenders its insurance needs to the market.
- B. carries its own risk wherever possible.
- C. arranges insurance protection wherever possible.
- D. undertakes its own risk management research.
正解：B
質問 # 14
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 waste bin.
- B. The spray booth.
- C. The paint.
- D. The unguarded paraffin space heater.
正解：D
質問 # 15
When a member of the Chartered Insurance Institute (CM) is dealing with a client, what specific guidance does the Code of Ethics give in relation to the member's knowledge and expertise?
- A. The member must provide the client with a copy of appropriate qualifications.
- B. The member must be qualified to a minimum of the CD's diploma qualification.
- C. The member must notify the Cll of any shortcomings in his knowledge.
- D. The member's knowledge and expertise must be kept up to date and relevant.
正解：D
質問 # 16
Under the Consumer Rights Act 2015. a clause in a household insurance policy may be considered unfair if it
- A. allows any party other than the insured to enforce the insurer's obligations under the policy.
- B. causes a significant imbalance in the parties' rights and obligations arising under the contract, to the disadvantage of the insured.
- C. imposes unreasonable obligations on the insurer in terms of costs or expenses that must be paid in addition to the amount of any loss.
- D. discriminates against one of the persons insured on the grounds of nationality, gender or sexual orientation only.
正解：B
質問 # 17
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. Loss of interest.
- B. Brokerage.
- C. Wear and tear.
- D. An excess.
正解：C
質問 # 18
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 an early retirement pension.
- B. By payment of a redundancy lump sum.
- C. By continuation of her wages.
- D. By compensation for loss of bonus.
正解：C
質問 # 19
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 less a fixed nominal charge.
- B. The full year's premium.
- C. None of the premium.
- D. A pro rata amount.
正解：A
質問 # 20
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. Three eighths.
- C. Three fifths.
- D. Two fifths.
正解：A
質問 # 21
Self-insurance arises when a
- A. policyholder finds that he has inadvertently taken out more than one policy covering the same risk.
- B. number of insurers agree to collectively insure a particular risk in agreed proportions.
- C. policyholder decides to insure proportions of his property with different insurers.
- D. company decides to set aside a fund to pay losses that may occur.
正解：D
質問 # 22
How does insurable interest arise, if at all. when an insurer arranges reinsurance?
- A. The insurer is considered to have insurable interest by virtue of its liability to pay claims.
- B. Insurable interest does not arise.
- C. Insurable interest is created by statute.
- D. The policyholder is considered to have assigned the insurable interest to the insurer.
正解：A
質問 # 23
What is the principal reason for which a proposer is asked by the insurer whether his car will be driven by anyone else?
- A. It is a material circumstance.
- B. To establish whether insurable interest exists.
- C. To enable a loading to be applied.
- D. To enable a discount to be applied.
正解：A
質問 # 24
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. Prudential Regulation Authority.
- C. Competition and Markets Authority.
- D. Financial Ombudsman Service.
正解：D
質問 # 25
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. At the date of the next premium payment.
- B. Immediately, irrespective of prognosis.
- C. Immediately, but only if the diagnosis is terminal.
- D. He does not need to disclose this.
正解：D
質問 # 26
The capital requirements of insurers and intermediaries are set out by
- A. Proceeds of Crime Act 2002.
- B. Prudential Regulation Authority rules.
- C. Money Laundering Regulations.
- D. Data Protection legislation.
正解：B
質問 # 27
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