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CII IF1試験は、業界を支配する法的および規制の枠組みの知識と理解の強固な基盤を提供するため、保険業界でのキャリアを築こうとしている人にとって不可欠な認証です。保険は高度に規制された業界であるため、この分野で働く個人が、遵守する必要がある主要な規則と規制を十分に理解していることが重要です。 CII IF1試験に合格することにより、候補者はこれらの規制に関する知識と理解、および保険業界における倫理的および職業上の行為へのコミットメントを実証できます。
質問 # 16
If the amount to be paid in the event of a total loss of insured property is agreed between the proposer and the insurer at inception of the policy, this is a modification of the principle of
- A. subrogation.
- B. indemnity.
- C. contribution.
- D. good faith.
正解：B
質問 # 17
The website of an insurer must include the company's registered name, trading address, contact details and regulator. This is in accordance with rules enforced by the
- A. Financial Ombudsman Service.
- B. Advertising Standards Authority.
- C. Prudential Regulation Authority.
- D. Competition and Markets Authority.
正解：A
質問 # 18
Julie has cancelled her trip to tlaly as she has broken her leg. Which type of insurance policy is specifically designed to compensate Julie for any cancellation charges she has incurred?
- A. A travel insurance policy.
- B. A money insurance policy.
- C. A personal accident and sickness insurance policy.
- D. An income protection insurance policy.
正解：A
質問 # 19
Who can place business directly with a Lloyd's underwriter?
- A. Members of the public.
- B. Lloyd's brokers and other intermediaries.
- C. Lloyd's brokers only.
- D. Lloyd's agents.
正解：B
質問 # 20
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, high severity.
- C. Low frequency, low severity.
- D. High frequency, low severity.
正解：B
質問 # 21
Alex decides to insure his factory. In doing this he is primarily
- A. transferring the risk to the insurer.
- B. reducing his moral hazard.
- C. reducing his physical hazard.
- D. protecting his business against certainty of loss.
正解：A
質問 # 22
The purpose of Insurance Premium Tax is to
- A. reimburse for claims of insolvent insurers
- B. pay for flood defences.
- C. raise revenue for the Government.
- D. fund the Association of British Insurers.
正解：C
質問 # 23
Under the Consumer Rights Act 2015. a clause in a household insurance policy may be considered unfair if it
- A. causes a significant imbalance in the parties' rights and obligations arising under the contract, to the disadvantage of the insured.
- B. discriminates against one of the persons insured on the grounds of nationality, gender or sexual orientation only.
- C. allows any party other than the insured to enforce the insurer's obligations under the policy.
- D. imposes unreasonable obligations on the insurer in terms of costs or expenses that must be paid in addition to the amount of any loss.
正解：A
質問 # 24
A survey of a car repairers reveals a spray booth exists by an unguarded paraffin space beater. Also, a day's supply of paint is kept within the building and waste is removed daily from a metal bin. What will the underwriter perceive as the main physical hazard?
- A. The paint.
- B. The waste bin.
- C. The spray booth.
- D. The unguarded paraffin space heater.
正解：D
質問 # 25
What legally recognised financial relationship must exist, between a policyholder and the items being insured, to constitute a valid household contents insurance policy?
- A. Delegated authority.
- B. Insurable interest.
- C. Vicarious liability.
- D. Risk indemnity.
正解：B
質問 # 26
The principle of indemnity is the
- A. obligation of the insurer to pay all valid claims according to the terms and conditions of the policy.
- B. placing of the insured, after a loss, in the same financial position as enjoyed immediately before the loss.
- C. placing of the insured, at expiry of a policy, in the same financial position as enjoyed at inception.
- D. obligation of the insurer to provide a maximum sum insured or limit of liability.
正解：B
質問 # 27
In a chain of events, the proximate cause of a loss is always the
- A. last event before the loss occurs.
- B. dominant event leading to the loss.
- C. only event which is not excluded by the terms of the policy.
- D. only event contributing towards the loss.
正解：B
質問 # 28
An insurance company has employed an individual from a rival firm to carry out a similar job. At which stage would the regulatory requirements for retaining training and competence records first apply to the new employee, if at all?
- A. Within 18 months of employment.
- B. When the employee first has contact with members of the public.
- C. It would not apply, as the employee is already fully competent.
- D. From the initial interview.
正解：B
質問 # 29
What are the other key components of risk apart from uncertainty?
- A. Financial losses.
- B. Low severity losses and low frequency losses.
- C. Financial losses and speculation.
- D. The level of risk, peril and hazard.
正解：D
質問 # 30
In order for a contract to be legally enforceable, what further action is required after offer and acceptance?
- A. Witnessing by a third party.
- B. Provision of written terms and conditions.
- C. Exchange of consideration between the two parties.
- D. Delivery of goods or services concerned.
正解：C
質問 # 31
An intermediary needs to place a large properly risk, however the insurance company can only write 25% of the risk. What type of insurance arrangement would the intermediary require to complete the risk?
- A. Coinsurance.
- B. Reinsurance.
- C. Dual insurance.
- D. Self-insurance.
正解：A
質問 # 32
Joel buys a house in a flood plain, but it has NOT flooded for 10 years. In purchasing insurance, Joel is managing what element of risk?
- A. Uncertainty.
- B. Certainty.
- C. Frequency.
- D. Statutory requirements.
正解：A
質問 # 33
What is the basis of settlement under a new for old insurance policy if a television is stolen?
- A. The replacement cost, less wear and tear.
- B. The original cost, less wear and tear.
- C. The replacement cost in full.
- D. The original cost in full.
正解：A
質問 # 34
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. unenforceable as the consideration is inadequate.
- B. enforceable but only if Harry does not refute the contract within six months of the contract date.
- C. enforceable as consideration does not need to be adequate.
- D. unenforceable unless Harry signs a disclaimer acknowledging the consideration as acceptable.
正解：C
質問 # 35
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CII IF1（保険法および規制当局（IF1））認証試験は、法的および規制当局の要件に関する保険業界の個人の知識と理解をテストする専門的な認定試験です。この認定は、保険業界のプロフェッショナリズムのベンチマークとしてグローバルに認識されており、雇用主とクライアントの両方から高く評価されています。
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