万が一M05試験に不合格となった場合、再受験には改めて受験料が必要になり、費用面の負担も無視できません。PassTestのCII Insurance law (IL)練習問題で本番さながらの演習を重ね、一度で合格に近づく準備を整えましょう。

CII M05 試験概要:

CII M05 試験シラバストピック:

CII Insurance law (IL)の疑問にお答えします

CII Insurance law (IL) 認定 M05 試験問題：

問題 #1

For this question more than 1 option is correct. You must select all the correct options to gain the mark. In a consumer insurance policy, a warranty can arise as

A. a basis of the contract clause.
B. an exception clause.
C. a continuing warranty.
D. an express term.

問題 #2

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. Apply any terms it would have applied if the misrepresentation had not taken place.
B. Reduce the claim amount in proportion to the premium it would have charged.
C. Reject the claim, but maintain the policy.
D. Avoid the contract, refuse all claims and keep the premium.

問題 #3

If a proposer has failed to fully answer a question on a proposal form, the insurer is deemed to have waived its rights to this information because it

A. should be able to underwrite the risk based on the information already provided.
B. did not request further information.
C. does not have the right to ask the proposer for more information.
D. has statistics on similar risks.

問題 #4

Fraudulent claims invalidate the policy and the insurer is entitled to cancel the policy and deny any claims associated with it. Fraud is a serious violation under the principle of utmost good faith.
What is the purpose of the Doctrine of Insurable Interest in insurance contracts?

A. To ensure that the policyholder has a financial stake in the insured item or person
B. To protect the insurer from excessive claims
C. To prevent the insured from profiting from a loss
D. To protect the policyholder's right to make a claim regardless of their involvement

問題 #5

Insurance agencies are usually created by way of

A. unilateral agreement.
B. deed of agreement.
C. express agreement.
D. implied agreement.

解説：