M05試験無料問題集（121題）「CII Insurance law (IL) 認定」

出題：1

In the context of insurance law, who is considered a third-party claimant?

A. The policyholder who initiates a claim

B. A person who suffers a loss or injury caused by the policyholder's actions

C. A family member of the policyholder

D. An insurance broker acting on behalf of a client

正解：A 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：2

What is the role of the Financial Ombudsman Service (FOS) in insurance disputes?

A. It regulates the pricing of insurance products

B. It provides legal advice to insurers

C. It issues licenses to insurance companies

D. It helps consumers resolve complaints with their insurers

正解：D 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：3

Which of the following is an example of a condition precedent in an insurance contract?

A. The insured must pay the premium

B. The insurer must provide coverage for accidental damage

C. The insured must maintain the insured item in good condition

D. The insurer is required to pay claims for theft

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：4

What is the maximum contingency fee percentage under a damages-based agreement that can be charged by a solicitor for personal injury cases and employment tribunal cases respectively?

A. 50% for both cases.

B. 35% for personal injury cases and 25% for employment tribunal cases.

C. 25% for personal injury cases and 35% for employment tribunal cases.

D. 35% for both cases.

正解：C 解答を投票する

出題：5

Adam was bitten by a stray dog in Africa. He washed his wound in a pond and a week later he became very ill with a high temperature. Initially, the local hospital treated him for malaria and later treated him for the fever following the dog bite. Adam died in hospital. What is the proximate cause of his death?

A. The delay in seeking medical treatment.

B. The original physical injury of the dog bite.

C. The delay in obtaining the correct medical treatment.

D. The unhygienic washing of the dog bite.

正解：B 解答を投票する

出題：6

The proximate cause of a loss is best described as the

A. final peril to cause the loss.

B. most remote cause of the loss.

C. most dominant cause of the loss.

D. first peril to cause the loss.

正解：C 解答を投票する

出題：7

In accordance with the principle of good faith, which facts must a potential policyholder disclose to the insurer when applying for insurance?

A. Only those facts considered likely to reduce the cost of cover

B. Any facts of law.

C. Any facts which are considered material to the risk.

D. Any facts which are in the public domain.

正解：C 解答を投票する

出題：8

Which divisional court of the High Court includes a Commercial Court?

A. Partnership Division.

B. Chancery Division.

C. Queen's Bench Division.

D. Family Division.

正解：B 解答を投票する

出題：9

When completing a proposal form, Tom declares that he has two spent speeding convictions. How, if at all, will the spent convictions affect an underwriter's decision to write the risk?

A. They will not be considered as this is not an underwriting factor in motor insurance risk assessment.

B. They will be classed as relevant information and will affect the premium.

C. They will only be considered if Tom had a further speeding conviction in the last 12 months.

D. They will be ignored in accordance with the provisions of the Rehabilitation of Offenders Act 1974.

正解：D 解答を投票する

出題：10

For this question more than 1 option is correct. You must select all the correct options to gain the mark. In a consumer insurance policy, a warranty can arise as

A. an express term.

B. a basis of the contract clause.

C. an exception clause.

D. a continuing warranty.

正解：A,B 解答を投票する

M05試験無料問題集「CII Insurance law (IL) 認定」