This set of questions, courtesy of online CII training package insurance Assess
Question 1
The Civil Liability Act 2018 introduced changes to the claims process relating to which of these types of claims?
A. Claims complaints against insurers
B. Recovery of policy excesses
C. Serious injuries to pedestrians
D. Whiplash claims
Question 2
Insurers investigate motor legal expenses claims by which of these methods?
A. Always visiting the site of the accident
B. Insisting on a police report
C. Interviewing the claimant only
D. Using a variety of methods depending on the nature of the claim
Question 3
When fitted to a motorcycle, what can a telematics box be used for?
A. Monitoring speed
B. Preventing accidents and thefts
C. Protecting the accessories such as leathers and crash helmets from being stolen
D. Restricting who is able to ride the motorcycle
Question 4
In the context of pet insurance, which of these describes a maximum benefit policy?
A. One which covers the pet for a maximum of 12 months
B. One which provides cover up to the defined financial limit per condition
C. One which covers the pet for its maximum lifespan
D. One which provides the highest sums insured available
Question 5
What is the usual minimum age before which a pet cannot be insured under a specific pet insurance policy?
A. Four weeks
B. One week
C. Six weeks
D. Two weeks
Question 6
Can a tour operator make it compulsory for a customer to buy its own insurance product?
A. No, the tour operator is not allowed to sell any insurance
B. No, this is prevented by legislation
C. Yes, providing the trip is going to be in Europe
D. Yes, the Package Travel Regulations allow this to happen
Question 7
The final responsibility to select an adequate limit of indemnity under a professional indemnity policy rests with the:
A. Broker
B. Insurer
C. Regulator
D. Policyholder
Question 8
Under which of these circumstances can an untaxed vehicle be driven legally on the road?
A. When being taken for a routine service
B. When being taken to and from a pre-arranged MOT test
C. While trade plates are fitted to the vehicle
D. Never
Question 9
In respect of professional indemnity insurance which of these describes the position with regard to the insurer's duty to defend?
A. They do have a duty to defend all claims
B. They do have a duty to defend providing the insured requests this in writing
C. They have the right to associate with the defence and approve strategies
D. They do have the right to associate with the defence and approve strategies providing the insured has authorised this action
Question 10
What is the main purpose of the notification stage of the claims process?
A. To decide if legal liability attaches to the policyholder
B. To gather as much information as possible to make initial decisions
C. To gather information to formulate a defence to the claim made
D. To notify the underwriters that a claim has been made
Answers
1D. One of the main objectives of the Civil Liability Act 2018 was to reduce the cost of whiplash claims.
2D. The method of investigation for a motor legal expenses claim will depend on the features of the particular claim.
3A. Telematics devices do exist for motorcycles and can perform the same tasks as on cars: monitoring speed, acceleration, braking, cornering, etc.
4B. Maximum benefit policies provide cover up to a certain amount per condition, such as £4,000 to £8,000.
5C. There is usually a minimum age of six to eight weeks before a pet can be accepted for cover.
6B. Legislation prevents travel operators from making it compulsory for a customer to buy the tour operator's own product.
7D. The Policyholder. However, the broker should discuss with their client the importance of ensuring that this is at an appropriate level.
8B. The only exception is when going to or from a pre-arranged MOT test.
9C. They have the right to associate with the defence and approve strategies.
10B. The notification stage is about gathering as much information as possible to make an initial decision.
Your score
1–3 Poor
4–6 Good
7–8 Very good
9-10 Excellent
