CII Examination element of M05 Insurance law 認定 E05 試験問題:
1. Dan made a financial arrangement on behalf of Liz. However, Liz had the arrangement set aside by the court on the basis that she had been unduly influenced by Dan. To establish undue influence, the court must have specifically identified Dan as
A) Liz's husband.
B) a person holding a senior position at Liz's bank.
C) a person holding a dominant position over Liz.
D) Liz's independent financial adviser.
2. According to statute, a term under a consumer personal accident insurance policy may potentially be considered unfair if the insurer
A) imposes a premium loading.
B) applies a specific exclusion within the policy wording.
C) requires notification of a claim within a very short time period.
D) provides coverage that is more restrictive than that of other insurers.
3. For this question more than 1 option is correct. You must select all the correct options to gain the mark.
A proposer for private motorcycle insurance carelessly states the motorcycle's engine capacity as 500cc when in fact it is 1500cc. A policy is issued by the insurer on this basis. In the event of a valid claim causing damage to the motorcycle, what potential remedies are available to the insurer under the Consumer Insurance (Disclosure and Representations) Act 2012?
A) Avoid the contract, refuse all claims and keep the premium.
B) Reduce the claim amount in proportion to the premium it would have charged.
C) Apply any terms it would have applied if the misrepresentation had not taken place.
D) Reject the claim, but maintain the policy.
4. Two liability policies with different insurers cover the same loss of £15,000,000. The limit of liability is
£10,000,000 under policy X and £20,000,000 under policy Y. Neither policy has a non-contribution clause.
What amount will policy Y contribute towards the claim payment?
A) £9,000,000
B) £7,500,000
C) £5,000,000
D) £10,000,000
5. Insurance agencies are usually created by way of
A) deed of agreement.
B) implied agreement.
C) express agreement.
D) unilateral agreement.
質問と回答：
| 質問 # 1 正解： C | 質問 # 2 正解： C | 質問 # 3 正解： B、C | 質問 # 4 正解： A | 質問 # 5 正解： C |
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