CII Examination element of M05 Insurance law 認定 E05 試験問題:
1. For this question more than 1 option is correct. You must select all the correct options to gain the mark. Which special defences are available to the fort of libel?
A) Necessity.
B) Prescription.
C) Statutory authority.
D) Honest opinion.
E) Privilege.
2. A household insurance policyholder leaves his home to go to work without setting the burglar alarm. Whilst he was out, his new tumble dryer overheats and causes fire damage to the kitchen. In what circumstances may the insurer legally reject a fire claim?
A) If the policyholder exaggerates the value of the claim.
B) If there is a subrogation action against the manufacturer of the tumble dryer.
C) If there is a breach of a warranty requiring the burglar alarm to be set.
D) If the tumble dryer is covered by extended warranty insurance.
3. For this question more than 1 option is correct. You must select all the correct options to gain the mark. How may double insurance arise?
A) A deliberate attempt to obtain the proceeds of two policies.
B) The inadvertent non-cancellation of a policy when a new policy is taken out.
C) An overlap in cover between two different types of insurance policy.
D) A merger between two major insurance companies.
4. In respect of a life assurance policy, the duty to take reasonable care NOT to make a misrepresentation ends when the proposer
A) dies and his estate submits a claim to the insurer.
B) signs and submits the completed proposal form to the insurer.
C) assigns the contract to a third party.
D) forms the contract with the insurer.
5. A married couple have equal shares in a property and are insured under a buildings insurance policy. What is the likely position in law of a breach of good faith by one party, which was unknown to the other party?
A) Cover for both parties would be invalidated as the cover is likely to be a composite policy.
B) Cover would be maintained in full for the innocent party as the cover is likely to be a composite policy.
C) Cover for both parties would be invalidated as the cover is likely to be a joint policy.
D) Cover would be maintained in full for the innocent party as the cover is likely to be a joint policy
質問と回答：
| 質問 # 1 正解： D、E | 質問 # 2 正解： A | 質問 # 3 正解： A、C | 質問 # 4 正解： D | 質問 # 5 正解： C |
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