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. Low frequency, low severity.
B. High frequency, low severity.
C. Low frequency, high severity.
D. High frequency, high severity.
正解:C
質問 2:
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 only.
B. At policy inception and at the time of the loss.
C. At the time of the loss only.
D. At the time of the proposal.
正解:B
質問 3:
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 4:
Lloyd's is known as a subscription market because
A. if an insurer writes a particular class, he is expected to subscribe to the majority of these risks.
B. the underwriter assigns his signature individually to each risk.
C. a number of syndicates accept a share of the same risk.
D. a fee must be paid.
正解:C
質問 5:
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. Loss of interest.
C. An excess.
D. Brokerage.
正解:A
質問 6:
From April 2019. a small company with nine employees is in dispute with its insurer and wishes to refer the matter to the Financial Ombudsman Service (FOS). The FOS is only permitted lo deal with the dispute if the insured's turnover does NOT exceed
A. £6,500,000
B. £3,500,000
C. £1,000,000
D. £6,000,000
正解:C
質問 7:
Who cedes business to a reinsurer?
A. The insurer.
B. The insured.
C. The agent.
D. The assessor.
正解:A
質問 8:
Under the Consumer Rights Act 2015. a clause in a household insurance policy may be considered unfair if it
A. allows any party other than the insured to enforce the insurer's obligations under the policy.
B. imposes unreasonable obligations on the insurer in terms of costs or expenses that must be paid in addition to the amount of any loss.
C. discriminates against one of the persons insured on the grounds of nationality, gender or sexual orientation only.
D. causes a significant imbalance in the parties' rights and obligations arising under the contract, to the disadvantage of the insured.
正解:D
質問 9:
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 dealt with by the Money Laundering Joint Steering Committee.
B. It is a disciplinary offence under the Banking Code.
C. It is a criminal offence.
D. It is a civil offence.
正解:A
小笠** -
必要十分な知識をギュッとまとめた完成度の高いテキストでIF1試験に挑めると思います。