CII M05 問題集

質問 1：
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 continuing warranty.
C. an exception clause.
D. a basis of the contract clause.
正解：A,D

質問 2：
In the context of insurance, what does "utmost good faith" (uberrimae fidei) require?
A. The policyholder must always pay premiums in advance
B. The insurance contract must be written in simple, easy-to-understand language
C. Both parties must fully disclose all relevant information
D. The insurer must offer the policyholder the best possible coverage
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 3：
When a defendant deliberately destroys possessions belonging to someone else, he has committed the tort(s) of
A. trespass to goods and conversion only.
B. trespass to goods only.
C. trespass to goods, conversion and nuisance only,
D. trespass to goods, conversion, nuisance and battery.
正解：B

質問 4：
The branch of law particularly relevant when handling negligence claims is
A. civil law.
B. constitutional law.
C. administrative.
D. public law.
正解：A

質問 5：
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. provide reasonable guidance to an insured to help him make a claim.
B. settle a claim promptly once settlement has been agreed.
C. not unreasonably reject an insured's claim.
D. handle a claims notification within 14 days.
正解：A,B,C

質問 6：
A proposer for household insurance completes and submits an online application. When the insurer's website responds with a quotation based on the application, the quotation is most likely to be legally regarded as:
A. an invitation to treat
B. an offer
C. an acceptance of an offer
D. a counter offer
正解：B

質問 7：
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. Avoid the contract, refuse all claims and keep the premium.
B. Reject the claim, but maintain the policy.
C. Apply any terms it would have applied if the misrepresentation had not taken place.
D. Reduce the claim amount in proportion to the premium it would have charged.
正解：C,D

質問 8：
For this question more than 1 option is correct. You must select all the correct options to gain the mark. How may double insurance arise?
A. A deliberate attempt to obtain the proceeds of two policies.
B. The inadvertent non-cancellation of a policy when a new policy is taken out.
C. A merger between two major insurance companies.
D. An overlap in cover between two different types of insurance policy.
正解：A,D

質問 9：
For this question more than 1 option is correct. You must select fill the correct options to gain the mark. In what circumstances would an agency agreement be automatically terminated?
A. Bankruptcy of the agent.
B. Disclosure of the name of the principal.
C. Bankruptcy of the principal.
D. Death of the agent.
正解：C,D