最新的Insurance Law (M05)認證 M05考試題庫

問題1

For this question more than 1 option is correct. You must select all the correct options to gain the mark.
Which special defences are available to the fort of libel?

A. Prescription.

B. Honest opinion.

C. Statutory authority.

D. Necessity.

E. Privilege.

正確答案: B,E

問題2

When, if at all, does the duty of fair presentation of a risk apply after a non-consumer insurance contract has been formed?

A. From the date of a breach of warranty.

B. Where there is a variation in the insured risk.

C. On submission of a claim.

D. It does not apply as the duty is to take reasonable care not to make a misrepresentation.

正確答案: B

問題3

Which of the following is true regarding the insurable interest in life insurance?

A. The policyholder must have a financial interest in the life of the person insured

B. Insurable interest is not required for life insurance policies

C. The policyholder must have a financial interest in the property of the person insured

D. Insurable interest is required only at the time the policy is issued

正確答案: A

說明：（僅 VCESoft 成員可見）

問題4

In respect of a life assurance policy, the duty to take reasonable care NOT to make a misrepresentation ends when the proposer

A. forms the contract with the insurer.

B. dies and his estate submits a claim to the insurer.

C. signs and submits the completed proposal form to the insurer.

D. assigns the contract to a third party.

正確答案: A

問題5

Which of the following terms in an insurance policy is typically enforceable in a court of law?

A. Exclusions

B. Representations

C. Warranties

D. Conditions precedent

正確答案: C

說明：（僅 VCESoft 成員可見）

問題6

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. A merger between two major insurance companies.

C. The inadvertent non-cancellation of a policy when a new policy is taken out.

D. An overlap in cover between two different types of insurance policy.

正確答案: A,D

問題7

Fred knew Susie wanted to sell her car. On behalf of Susie, Fred agreed the sale of the car to Tina for £5.000.
That evening, Susie ratified Fred's agreement with Tina The next day. Tina decided NOT to proceed with the purchase What is Susie's legal position in these circumstances?

A. She can sue Tina for breach of contract.

B. She can sue Fred for breach of agency agreement.

C. She has no legal right to sue.

D. She can sue both Fred and Tina jointly for breach of good faith.

正確答案: C

問題8

Which of the following is a key principle of insurance law that requires the insured to disclose all material facts?

A. Utmost good faith

B. Contribution

C. Subrogation

D. Indemnity

正確答案: A

說明：（僅 VCESoft 成員可見）

問題9

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

A. The disclosure of a medical history

B. An acceptance of the offer

C. An offer to insure

D. The payment of a premium.

正確答案: A

說明：（僅 VCESoft 成員可見）

問題10

The principle of subrogation prevents a policyholder from profiting from

A. claiming under both his insurance policy and against any negligent third party.

B. assigning abandonment rights to the insurer.

C. retaining salvaged property.

D. submitting a full claim recovery under more than one insurance policy.

正確答案: A

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