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質問 1：
The purpose of Insurance Premium Tax is to
A. fund the Association of British Insurers.
B. reimburse for claims of insolvent insurers
C. pay for flood defences.
D. raise revenue for the Government.
正解：D
質問 2：
A storm blew down the wall of a limber building. The failing wall broke electrical wiring, which short-circuited and the resultant sparks caused a fire. The lire brigade used water to put out the fire and the water caused damage to the unburnt contents. What is the proximate cause of the damage to the unburnt contents?
A. The storm.
B. The water damage.
C. The falling wall.
D. The fire.
正解：A
質問 3：
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 personal accident and sickness insurance policy.
C. A money insurance policy.
D. An income protection insurance policy.
正解：A
質問 4：
The purpose of the EU solvency requirements for insurers and intermediaries is to
A. strengthen the financial security of the insurer or intermediary.
B. create a standard format for the presentation of accounting data.
C. introduce monitoring procedures by the Prudential Regulation Authority.
D. provide authorisation to transact insurance business.
正解：B
質問 5：
Peter currently has no penalty points on his driving licence, although he was convicted of a minor motoring offence eight years ago. Why does Peter NOT need to disclose this to his motor insurer?
A. It represents a moral hazard.
B. It is information that would not influence an underwriter.
C. It represents a physical hazard.
D. It is a spent conviction.
正解：D
質問 6：
Why is effective risk management important to an insurer?
A. It helps to reduce a company's loss exposure.
B. It increases premium income.
C. It increases the insurer's capacity.
D. It always reduces costs.
正解：A
質問 7：
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 8：
A risk control survey shows that premises proposed for insurance are in close proximity to a river with a history of flooding. The underwriter will consider this fact to be a
A. pure risk.
B. fundamental risk.
C. moral hazard.
D. physical hazard.
正解：D
The purpose of Insurance Premium Tax is to
A. fund the Association of British Insurers.
B. reimburse for claims of insolvent insurers
C. pay for flood defences.
D. raise revenue for the Government.
正解：D
質問 2：
A storm blew down the wall of a limber building. The failing wall broke electrical wiring, which short-circuited and the resultant sparks caused a fire. The lire brigade used water to put out the fire and the water caused damage to the unburnt contents. What is the proximate cause of the damage to the unburnt contents?
A. The storm.
B. The water damage.
C. The falling wall.
D. The fire.
正解：A
質問 3：
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 personal accident and sickness insurance policy.
C. A money insurance policy.
D. An income protection insurance policy.
正解：A
質問 4：
The purpose of the EU solvency requirements for insurers and intermediaries is to
A. strengthen the financial security of the insurer or intermediary.
B. create a standard format for the presentation of accounting data.
C. introduce monitoring procedures by the Prudential Regulation Authority.
D. provide authorisation to transact insurance business.
正解：B
質問 5：
Peter currently has no penalty points on his driving licence, although he was convicted of a minor motoring offence eight years ago. Why does Peter NOT need to disclose this to his motor insurer?
A. It represents a moral hazard.
B. It is information that would not influence an underwriter.
C. It represents a physical hazard.
D. It is a spent conviction.
正解：D
質問 6：
Why is effective risk management important to an insurer?
A. It helps to reduce a company's loss exposure.
B. It increases premium income.
C. It increases the insurer's capacity.
D. It always reduces costs.
正解：A
質問 7：
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 8：
A risk control survey shows that premises proposed for insurance are in close proximity to a river with a history of flooding. The underwriter will consider this fact to be a
A. pure risk.
B. fundamental risk.
C. moral hazard.
D. physical hazard.
正解：D
大谷** -
IF1を使って試験に合格しました。ここで感謝を申し上げます。ありがとうございましたPass4Testさん。