PassTest IF1問題集PDFで100%合格保証付き
IF1ブレーン問題集でリアル試験最新問題2023年02月17日には100問題
質問 43
John has a whole of life policy and has recently been diagnosed with cancer. When, if at all. must he disclose this to his insurer?
- A. Immediately, irrespective of prognosis.
- B. Immediately, but only if the diagnosis is terminal.
- C. He does not need to disclose this.
- D. At the date of the next premium payment.
正解: C
質問 44
Insurers and intermediaries are required to adhere to solvency requirements as stipulated by the
- A. Financial Ombudsman Service.
- B. Association of British Insurers.
- C. Financial Services Compensation Scheme.
- D. European Union.
正解: D
質問 45
Which principle of insurance prevents a member of the public from taking out an insurance policy on the life of a celebrity in the hope of receiving a windfall on the celebrity's death?
- A. Indemnity.
- B. Proximate cause.
- C. Good faith.
- D. Insurable interest.
正解: D
質問 46
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. reducing his moral hazard.
- D. transferring the risk to the insurer.
正解: D
質問 47
What is the principal reason for which a proposer is asked by the insurer whether his car will be driven by anyone else?
- A. It is a material circumstance.
- B. To enable a discount to be applied.
- C. To establish whether insurable interest exists.
- D. To enable a loading to be applied.
正解: A
質問 48
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 money insurance policy.
- B. A personal accident and sickness insurance policy.
- C. A travel insurance policy.
- D. An income protection insurance policy.
正解: C
質問 49
If a surveyor is sent lo survey a risk, what does risk primarily refer to in this context?
- A. The policy cover details.
- B. The premises.
- C. The policyholder.
- D. The insured perils.
正解: B
質問 50
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. £1,500
- B. £1,000
- C. £2,000
- D. £3,000
正解: B
質問 51
Sunita suffers a loss and makes a claim under her household contents insurance policy. When must insurable interest exist for her claim to be valid?
- A. At policy inception and at the time of the loss.
- B. At policy inception only.
- C. At the time of the proposal.
- D. At the time of the loss only.
正解: A
質問 52
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 unguarded paraffin space heater.
- C. The waste bin.
- D. The spray booth.
正解: B
質問 53
The Financial Services Compensation Scheme was established to help policyholders in the event of
- A. the repudiation of liability by an insurer.
- B. the financial failure of an insurance company.
- C. unreasonable policy terms and conditions.
- D. fraud perpetrated by an insurance broker.
正解: B
質問 54
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. contribution.
- B. subrogation.
- C. good faith.
- D. indemnity.
正解: C
質問 55
What type of risk is a widespread natural disaster?
- A. A pure risk.
- B. A fundamental risk.
- C. A particular risk.
- D. A speculative risk.
正解: B
質問 56
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. Competition and Markets Authority.
- B. Prudential Regulation Authority.
- C. Advertising Standards Authority.
- D. Financial Ombudsman Service.
正解: D
質問 57
John wishes to insure his friend's house. Why would an insurer refuse to provide a quotation?
- A. He does not live in the house.
- B. He does not have any insurable interest.
- C. His name is not on the mortgage.
- D. He does not have any subrogation rights.
正解: B
質問 58
It is important to ensure the fair treatment of customers in order to comply with rules set by the
- A. Chartered Insurance Institute.
- B. Association of British Insurers.
- C. Financial Conduct Authority.
- D. British Insurance Brokers' Association.
正解: C
質問 59
The Principles for Business slate that all customers should be treated
- A. to a minimum standard.
- B. with due respect.
- C. equally.
- D. fairly.
正解: D
質問 60
A retail customer CANNOT buy insurance directly from which type of insurer?
- A. A mutual insurer.
- B. A composite insurer.
- C. A captive insurer.
- D. A direct insurer.
正解: C
質問 61
A policyholder achieves peace of mind when insuring his car by
- A. reducing the chance of a loss occurring.
- B. eliminating the risk of loss.
- C. preventing the chance of a loss occurring.
- D. transferring the risk to the insurer.
正解: D
質問 62
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 as consideration does not need to be adequate.
- B. unenforceable as the consideration is inadequate.
- C. unenforceable unless Harry signs a disclaimer acknowledging the consideration as acceptable.
- D. enforceable but only if Harry does not refute the contract within six months of the contract date.
正解: A
質問 63
A risk that is always insurable is a
- A. pure risk.
- B. capital risk.
- C. fundamental risk.
- D. speculative risk.
正解: A
質問 64
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. Loss of interest.
- B. Wear and tear.
- C. Brokerage.
- D. An excess.
正解: B
質問 65
If an insured signs an agreement with a hold harmless clause, this may prevent the insurer from
- A. pursuing subrogation rights.
- B. increasing the premium.
- C. reinsuring the risk.
- D. disclosing details to a third party.
正解: A
質問 66
Michael, an insurance company employee, strongly suspects that a recent transaction involved money laundering but decides NOT to report his suspicions to anyone. How is this treated under the current Money Laundering Regulations?
- A. It is a disciplinary offence under the Banking Code.
- B. It is a civil offence.
- C. It is a disciplinary offence dealt with by the Money Laundering Joint Steering Committee.
- D. It is a criminal offence.
正解: C
質問 67
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