IF1 試験問題を無料オンラインアクセス

A claim has arisen which is fully covered under insurer A's policy and insurer B's policy. Insurer A's policy has a sum insured of £30,000 and insurer B's policy has a sum insured of £50,000. What proportion of the claim is insurer B liable for if the principle of contribution applies on a rateable proportion by sum insured basis?

• A.Two fifths.
• B.Five eighths.
• C.Three fifths.
• D.Three eighths.

A broker collects premiums on behalf of an insurer and subsequently goes into liquidation. Various premiums are outstanding to the insurer, despite policyholders having paid the broker What action is the insurer most likely to take?

• A.Cancel the policies from inception for non-payment.
• B.Offer a discounted premium payment to the policyholders.
• C.Apply for a second payment from the policyholders.
• D.Write to the liquidator to register the debt.

What is the principal reason for which a proposer is asked by the insurer whether his car will be driven by anyone else?

• A.To establish whether insurable interest exists.
• B.To enable a discount to be applied.
• C.It is a material circumstance.
• D.To enable a loading to be applied.

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.moral hazard.
• B.pure risk.
• C.physical hazard.
• D.fundamental risk.

To whom, if anyone, can an agent normally delegate the responsibility imposed on net under an agency agreement?

• A.The agent cannot delegate her responsibility.
• B.To suitably experienced individuals only.
• C.To suitably qualified individuals only.
• D.To anyone able to fulfil the duties.