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質問 1：
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 original cost in full.
D. The replacement cost in full.
正解：A
質問 2：
The Financial Ombudsman Service will make a ruling on a dispute between
A. a third party and the insurer against whom he is making a liability claim.
B. an insurance broker and an insurer.
C. a private individual and an insurer.
D. an insurer and a reinsurer.
正解：C
質問 3：
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 spray booth.
C. The waste bin.
D. The unguarded paraffin space heater.
正解：D
質問 4：
Under the regulator's training and competency rules, a general insurance employee carrying out a non-WiFID business activity
A. for 3 years after the employee stops carrying out the activity.
B. for 20 years after the employee stops carrying out the activity.
C. indefinitely.
D. for 10 years after the employee stops carrying out the activity.
正解：A
質問 5：
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 unless Harry signs a disclaimer acknowledging the consideration as acceptable.
C. unenforceable as the consideration is inadequate.
D. enforceable but only if Harry does not refute the contract within six months of the contract date.
正解：A
質問 6：
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. Self-insurance.
D. Dual insurance.
正解：A
質問 7：
Alex decides to insure his factory. In doing this he is primarily
A. reducing his moral hazard.
B. protecting his business against certainty of loss.
C. reducing his physical hazard.
D. transferring the risk to the insurer.
正解：D
質問 8：
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. Good faith.
B. Indemnity.
C. Insurable interest.
D. Proximate cause.
正解：C
質問 9：
When should a direct insurer advise a policyholder in writing of its complaints-handling procedure, to comply with regulatory requirements?
A. At the lime of a claim.
B. Within 30 days of cover being incepted.
C. At the time of the sale or immediately afterwards.
D. Within 7 days of a complaint being made.
正解：C
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 original cost in full.
D. The replacement cost in full.
正解：A
質問 2：
The Financial Ombudsman Service will make a ruling on a dispute between
A. a third party and the insurer against whom he is making a liability claim.
B. an insurance broker and an insurer.
C. a private individual and an insurer.
D. an insurer and a reinsurer.
正解：C
質問 3：
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 spray booth.
C. The waste bin.
D. The unguarded paraffin space heater.
正解：D
質問 4：
Under the regulator's training and competency rules, a general insurance employee carrying out a non-WiFID business activity
A. for 3 years after the employee stops carrying out the activity.
B. for 20 years after the employee stops carrying out the activity.
C. indefinitely.
D. for 10 years after the employee stops carrying out the activity.
正解：A
質問 5：
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 unless Harry signs a disclaimer acknowledging the consideration as acceptable.
C. unenforceable as the consideration is inadequate.
D. enforceable but only if Harry does not refute the contract within six months of the contract date.
正解：A
質問 6：
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. Self-insurance.
D. Dual insurance.
正解：A
質問 7：
Alex decides to insure his factory. In doing this he is primarily
A. reducing his moral hazard.
B. protecting his business against certainty of loss.
C. reducing his physical hazard.
D. transferring the risk to the insurer.
正解：D
質問 8：
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. Good faith.
B. Indemnity.
C. Insurable interest.
D. Proximate cause.
正解：C
質問 9：
When should a direct insurer advise a policyholder in writing of its complaints-handling procedure, to comply with regulatory requirements?
A. At the lime of a claim.
B. Within 30 days of cover being incepted.
C. At the time of the sale or immediately afterwards.
D. Within 7 days of a complaint being made.
正解：C
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