究極のガイド準備問題IF1には正確なPDF解答[2023年06月28日]
合格できるCIIの試験問題集
質問 # 39
Under a coinsurance arrangement, who is ultimately responsible for payment of an agreed claim?
- A. The lead insurer.
- B. Each coinsurer for its own proportion only.
- C. The intermediary.
- D. Each coinsurer for its own proportion, but also a share of any proportion unpaid due to the default of another coinsurer.
正解：B
質問 # 40
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. outside normal business hours,
- C. via the intermediary.
- D. only when collecting premiums.
正解：C
質問 # 41
Barbara owns a factory employing 20 people. What insurance is she required to hold by law?
- A. Professional indemnity insurance.
- B. Products liability insurance.
- C. Employers' liability insurance.
- D. Public liability insurance.
正解：C
質問 # 42
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. A courtesy car is not available.
- C. The risk of losing a no claims discount is greater.
- D. There is no intermediary to provide assistance.
正解：D
質問 # 43
John wishes to insure his friend's house. Why would an insurer refuse to provide a quotation?
- A. He does not have any subrogation rights.
- B. His name is not on the mortgage.
- C. He does not have any insurable interest.
- D. He does not live in the house.
正解：C
質問 # 44
Insurers and intermediaries are required to adhere to solvency requirements as stipulated by the
- A. European Union.
- B. Financial Ombudsman Service.
- C. Association of British Insurers.
- D. Financial Services Compensation Scheme.
正解：A
質問 # 45
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 continuation of her wages.
- B. By payment of a redundancy lump sum.
- C. By compensation for loss of bonus.
- D. By payment of an early retirement pension.
正解：A
質問 # 46
For which professional is professional indemnity insurance compulsory by statute?
- A. A loss assessor.
- B. A solicitor.
- C. A loss adjuster,
- D. A chartered surveyor. .
正解：B
質問 # 47
What is the current rate of Insurance Premium Tax for a motor insurance policy?
- A. 9.5%
- B. 10%
- C. 12%
- D. 20%
正解：C
質問 # 48
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 notify the Cll of any shortcomings in his knowledge.
- C. The member's knowledge and expertise must be kept up to date and relevant.
- D. The member must be qualified to a minimum of the CD's diploma qualification.
正解：C
質問 # 49
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. £6,000,000
- B. £1,000,000
- C. £6,500,000
- D. £3,500,000
正解：B
質問 # 50
Self-insurance arises when a
- A. policyholder finds that he has inadvertently taken out more than one policy covering the same risk.
- B. company decides to set aside a fund to pay losses that may occur.
- C. number of insurers agree to collectively insure a particular risk in agreed proportions.
- D. policyholder decides to insure proportions of his property with different insurers.
正解：B
質問 # 51
A Terms of Business Agreement between an insurer and an intermediary sets out the
- A. agreed claims procedures as stated in the Insurance: Conduct of Business sourcebook (ICOBS).
- B. disaster recovery procedures to apply if there is a major disaster affecting the insurer.
- C. framework for the commercial relationship, which defines and allocates the respective responsibilities and rights to each party.
- D. criteria to apply when reporting suspicious incidents to the Money Laundering Reporting Officer.
正解：C
質問 # 52
The accident record for a printworks show that for every one major injury, there have been 30 minor incidents and 900 non-injury events reported. How would major work injuries be classified in relation to frequency and severity?
- A. High frequency, low severity.
- B. Low frequency, low severity.
- C. Low frequency, high severity.
- D. High frequency, high severity.
正解：C
質問 # 53
Who is represented by a loss assessor?
- A. An underwriter.
- B. A claims handler.
- C. A broker.
- D. A policyholder.
正解：D
質問 # 54
What type of organisation is the British Insurance Brokers' Association?
- A. A trade body.
- B. An educational body.
- C. A public limited company.
- D. A specialist regulator.
正解：A
質問 # 55
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 waste bin.
- C. The spray booth.
- D. The unguarded paraffin space heater.
正解：D
質問 # 56
A retail customer CANNOT buy insurance directly from which type of insurer?
- A. A captive insurer.
- B. A composite insurer.
- C. A direct insurer.
- D. A mutual insurer.
正解：A
質問 # 57
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. An employers' liability insurance policy.
- D. A personal accident and sickness insurance policy.
正解：D
質問 # 58
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. Three eighths.
- B. Five eighths.
- C. Two fifths.
- D. Three fifths.
正解：B
質問 # 59
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