オンライン問題で最適なIF1試験練習問題（最新の100問題)
練習問題IF1素晴らしい練習用のInsurance Legal and Regulatory (IF1) Examテスト問題
CII IF1（保険法規 IF1）認定試験は、保険業界でのキャリアを目指す人にとって重要な試験です。この試験は、イギリスの保険業界を統治する法的および規制枠組みに関する候補者の知識と理解をテストするように設計されています。保険法、規制、コンプライアンスを含む幅広いトピックをカバーしています。
CII IF1 試験は、保険業界への進出またはキャリアアップを目指す人々にとって有益な資格です。雇用主から高く評価され、試験に合格することで、保険業界におけるアンダーライティング、クレームマネジメント、リスクマネジメントなど幅広い職種のキャリアチャンスが得られます。また、IF1 試験はCIIの他の資格、例えば保険の高度なディプロマなどへのステップアップにもつながり、個人のキャリアアップに役立ちます。
質問 # 15
An owner of a building reduces its sum insured from £1,000.000 lo £500.000 to save premiums. A Tire causes
£300,000 damage to the building. If the building has a reinstatement value of £750,000 and average is applied, how much will the insured receive in settlement?
- A. £500.000
- B. £300.000
- C. £200.000
- D. £150.000
正解：C
質問 # 16
An investor is unable to obtain insurance to protect his potential losses while trading on the stock market because the category of risk is deemed to be
- A. speculative.
- B. particular.
- C. financial.
- D. pure.
正解：A
質問 # 17
Insurers and intermediaries are required to adhere to solvency requirements as stipulated by the
- A. Financial Services Compensation Scheme.
- B. Association of British Insurers.
- C. European Union.
- D. Financial Ombudsman Service.
正解：C
質問 # 18
Which typo of insurer is owned by multiple policyholders?
- A. A captive insurer.
- B. A composite insurer.
- C. A mutual insurer.
- D. A proprietary insurer.
正解：C
質問 # 19
Under a coinsurance arrangement, who is ultimately responsible for payment of an agreed claim?
- A. The intermediary.
- B. Each coinsurer for its own proportion, but also a share of any proportion unpaid due to the default of another coinsurer.
- C. Each coinsurer for its own proportion only.
- D. The lead insurer.
正解：C
質問 # 20
The requirement 10 notify the fitting of a more powerful engine under a motor insurance policy is an example of a policy wording modifying the principle of
- A. subrogation.
- B. contribution.
- C. indemnity.
- D. good faith.
正解：D
質問 # 21
A firm of insurance brokers holds client records on an index card system and does NOT intend to computerise this information. In what circumstances, if any, will these records be covered by the Data Protection Act 2018?
- A. Only if the records include dates of birth.
- B. In no circumstances.
- C. Only if the records include details of race.
- D. In all circumstances.
正解：D
質問 # 22
John and his wife arrange a household contents insurance policy in joint names with insurer A for a sum insured of £10,000. His wife arranges a second policy on the same basis with insurer B for a sum insured of
£20,000. Both policies have identical terms and conditions. What is insurer A's liability if a valid claim of
£3,000 is subsequently made?
- A. £2,000
- B. £1,000
- C. £1,500
- D. £3,000
正解：B
質問 # 23
A firm of insurance brokers invite Stuart. an underwriter who handles its account, on a Caribbean cruise with his family. How should Stuart react to this invitation in order to comply with the Chartered Insurance Institute's Code of Ethics?
- A. Decline as this is against the Financial Ombudsman Service regulations.
- B. Accept only on the basis that the cost is less than £1.000.
- C. Accept on the basis that this is an accepted business practice.
- D. Decline to avoid any suggestion he is being compromised.
正解：D
質問 # 24
What type of reduction is sometimes applied to the replacement cost of an item under an insurance policy claim in order to reflect the application of indemnity?
- A. Wear and tear.
- B. An excess.
- C. Loss of interest.
- D. Brokerage.
正解：A
質問 # 25
Harry owns a sports car valued at £1.000 and agrees to sell it to Ben for £500. Ben discusses this with his solicitor who states the contract is
- A. enforceable but only if Harry does not refute the contract within six months of the contract date.
- B. unenforceable unless Harry signs a disclaimer acknowledging the consideration as acceptable.
- C. unenforceable as the consideration is inadequate.
- D. enforceable as consideration does not need to be adequate.
正解：D
質問 # 26
The purpose of the EU solvency requirements for insurers and intermediaries is to
- A. introduce monitoring procedures by the Prudential Regulation Authority.
- B. provide authorisation to transact insurance business.
- C. strengthen the financial security of the insurer or intermediary.
- D. create a standard format for the presentation of accounting data.
正解：D
質問 # 27
Under common law. when does the insured's duly of fair presentation cease with regard to declarations that do NOT affect policy cover?
- A. When a claim is submitted.
- B. When the policy contract lakes effect.
- C. When a claim is paid.
- D. At renewal.
正解：D
質問 # 28
Bye-laws are passed at the Lloyd's Market by the
- A. Corporation of Lloyd's.
- B. Lloyds Managing Agent.
- C. Lloyd's Market Association.
- D. Council of Lloyd's.
正解：D
質問 # 29
Alex decides to insure his factory. In doing this he is primarily
- A. reducing his physical hazard.
- B. protecting his business against certainty of loss.
- C. transferring the risk to the insurer.
- D. reducing his moral hazard.
正解：C
質問 # 30
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, high severity.
- B. Low frequency, low severity.
- C. Low frequency, high severity.
- D. High frequency, low severity.
正解：C
質問 # 31
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