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CII Insurance law (IL) Sample Questions:

1. The principle of subrogation prevents a policyholder from profiting from

A) submitting a full claim recovery under more than one insurance policy.
B) claiming under both his insurance policy and against any negligent third party.
C) retaining salvaged property.
D) assigning abandonment rights to the insurer.

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

3. What are the main reasons why the law requires insurable interest to exist?

A) Reduce moral hazard and discourage gambling.
B) Discourage underinsurance and ensure premium adequacy.
C) Discourage betterment and ensure premium adequacy.
D) Reduce physical hazard and discourage gambling.

4. Which of the following is not a typical requirement for the formation of an insurance contract?

A) The disclosure of a medical history
B) The payment of a premium.
C) An offer to insure
D) An acceptance of the offer

5. According to statute law, an unfair term in a consumer insurance contract is defined as one which

A) causes a significant imbalance in the parties' rights to the detriment of the consumer.
B) does not restrict liability for death or personal injury.
C) has been individually negotiated and is to the detriment of either one of the parties.
D) provides insurance where the scope of cover is narrow compared to the premium charged.

Solutions: