E05 試験問題を無料オンラインアクセス

Ambiguous terms in a household insurance contract are generally construed against the

• A.insurer due to the contra proferentem rule.
• B.policyholder due to the noscitur a sociis rule.
• C.insurer due to the ejusdem generis rule.
• D.policyholder due to the literal rule.

For this question more than 1 option is correct. You must select all the correct options to gain the mark.
The Insurance: Conduct of Business sourcebook (ICOBS) rules in respect of claims handling specify that an insurer must

• A.not unreasonably reject an insured's claim.
• B.settle a claim promptly once settlement has been agreed.
• C.provide reasonable guidance to an insured to help him make a claim.
• D.handle a claims notification within 14 days.

For this question more than 1 option is correct. You must select all the correct options to gain the mark.
A proposer for private motorcycle insurance carelessly states the motorcycle's engine capacity as 500cc when in fact it is 1500cc. A policy is issued by the insurer on this basis. In the event of a valid claim causing damage to the motorcycle, what potential remedies are available to the insurer under the Consumer Insurance (Disclosure and Representations) Act 2012?

• A.Apply any terms it would have applied if the misrepresentation had not taken place.
• B.Avoid the contract, refuse all claims and keep the premium.
• C.Reject the claim, but maintain the policy.
• D.Reduce the claim amount in proportion to the premium it would have charged.

At what stage is insurable interest required for a marine cargo insurance policy?

• A.Throughout the duration of the contract.
• B.At the time of the loss only.
• C.At both inception of the policy and at the time of the loss.
• D.At inception of the policy only.

When a defendant deliberately destroys possessions belonging to someone else, he has committed the tort(s) of

• A.trespass to goods, conversion and nuisance only,
• B.trespass to goods only.
• C.trespass to goods, conversion, nuisance and battery.
• D.trespass to goods and conversion only.