M05問題集、CII実際の試験問題

質問 1

What is the role of the Financial Ombudsman Service (FOS) in insurance disputes?

A. It helps consumers resolve complaints with their insurers

B. It provides legal advice to insurers

C. It regulates the pricing of insurance products

D. It issues licenses to insurance companies

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 2

In respect of a life assurance policy, the duty to take reasonable care NOT to make a misrepresentation ends when the proposer

A. assigns the contract to a third party.

B. forms the contract with the insurer.

C. dies and his estate submits a claim to the insurer.

D. signs and submits the completed proposal form to the insurer.

正解: B

質問 3

Fred knew Susie wanted to sell her car. On behalf of Susie, Fred agreed the sale of the car to Tina for £5.000.
That evening, Susie ratified Fred's agreement with Tina The next day. Tina decided NOT to proceed with the purchase What is Susie's legal position in these circumstances?

A. She has no legal right to sue.

B. She can sue both Fred and Tina jointly for breach of good faith.

C. She can sue Fred for breach of agency agreement.

D. She can sue Tina for breach of contract.

正解: A

質問 4

How can an agency relationship be best described?

A. A person has ratified another party's action.

B. A person has transferred his obligations under a contract to another party.

C. A person, who has paid another party under a contract, has the right to stand in the place of that other party and avail himself of the rights and remedies of that party.

D. A person has the authority to act on behalf of another party.

正解: D

質問 5

Under insurance law, what is the effect of a fraudulent claim on an insurance policy?

A. The insurer is required to pay the claim regardless of the fraud

B. The insurer may cancel the policy and deny the claim

C. The policyholder may still receive a partial payout

D. The policyholder must repay any claim payments made previously

正解: B

質問 6

Julie has agreed to feed lan's cat whilst he is away on holiday in a remote location. When the cat becomes seriously ill. Julie is unable to contact Ian, so she takes the cat to the vet and also pays the vet's bill. In these circumstances. Julie is best described as:

A. an implied agent

B. an agent by necessity

C. an express agent

D. an agent by estoppel

正解: A

CII Insurance law (IL) - M05 模擬練習