最新のM05問題集で試験を準備する

CII M05 試験概要:

CII M05 試験シラバストピック:

CII Insurance law (IL) 認定 M05 試験問題：

1. A warranty in Emily's personal travel insurance policy states that cash must be kept in a locked safe. Whilst on holiday, a storm destroys her hotel and its contents. When Emily completes a claim form for loss of money, she admits that her cash was NOT locked in the safe. What will be the insurer's likely response to her claim for the lost money?

A) Reject the claim for breach of warranty.
B) Pay the claim in full.
C) Make an ex-gratia payment.
D) Avoid the policy ab initio.

2. Which of the following is considered an exclusion in a standard property insurance policy?

A) Loss due to war or civil unrest
B) Damage caused by accidental breakage
C) Theft by a third party
D) Loss caused by a fire

3. John has a whole of life policy and has recently been diagnosed with cancer. When, if at all. must he disclose this to his insurer?

A) He does not need to disclose this.
B) Immediately, but only if the diagnosis is terminal.
C) Immediately, irrespective of prognosis.
D) At the date of the next premium payment.

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) 35% 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) 50% for both cases.

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

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

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