最新的RIBO Insurance Broker認證 RIBO-Level-1考試題庫

問題1

Under the Personal Information Protection and Electronic Documents Act (PIPEDA., what is the first step a broker should take when they suspect an accidental disclosure of a client's personal information?

A. Delete all potentially impacted files to eliminate further risks.

B. Contact the office's designated privacy officer to report the suspected breach.

C. Update the client's file with a note about the potential breach for future reference.

D. Develop a new data storage protocol to prevent such breaches from occurring again.

正確答案: B

說明：（僅 VCESoft 成員可見）

問題2

While a dentist is working on a patient, there is a power outage resulting in damages to the dental chair and x- ray machine. Under which coverage of the commercial policy can the business claim the damages?

A. Equipment Coverage.

B. Professional Liability.

C. General Liability.

D. Stock Coverage.

正確答案: A

說明：（僅 VCESoft 成員可見）

問題3

The Insured's contents have been removed from their premises due to an insured peril. Under the property policy, how long will the Insured contents be covered?

A. 15 days or until the policy term ends, whichever comes first.

B. 60 days or until the policy term ends, whichever comes first.

C. 25 days or until the policy term ends, whichever comes first.

D. 30 days or until the policy term ends, whichever comes first.

正確答案: D

說明：（僅 VCESoft 成員可見）

問題4

Iqbal was involved in an automobile accident and was charged with the impaired operation of a motor vehicle.
As a result, the insurance company is declining to repair Iqbal's vehicle under his collision coverage. Iqbal is adamant that he was not impaired at the time of the accident. What should the Broker do?

A. Remind Iqbal that he should not have been driving while his ability to do so was impaired. Provide a quote for a new policy and include the surcharge that would follow an impaired conviction.

B. Advise Iqbal that he has the option to file a not guilty response. Upon evidence that the impaired conviction is dismissed, the Broker will submit this documentation to the insurer for settlement under the collision coverage on his policy.

C. Advise Iqbal that as he has been charged with impaired operation of a motor vehicle, he has voided his automobile policy, including the collision portion. There is nothing that can be done to repair or replace his vehicle under his insurance policy.

D. Advise Iqbal that even though he was at fault in the accident he should seek legal council and bring suit against the other driver in the hopes that he could get some money to repair or replace his vehicle.

正確答案: B

說明：（僅 VCESoft 成員可見）

問題5

Your client's homeowners policy cancelled due to non payment on Aug 1st. On Aug 15th they are served a statement of claim pertaining to a slip and fall which occurred at their home while their policy was in force.
What would happen next?

A. Nothing, the policy is no longer in force.

B. The policy would respond only if the client pays the outstanding premium.

C. The policy would respond only if underwriting agrees to reinstate.

D. The policy would respond.

正確答案: D

說明：（僅 VCESoft 成員可見）

問題6

Berwyn, a Broker, has a client who plans to demolish their cottage and replace it with a new cottage. Berwyn has a lot of experience adding renovation riders to policies, but has never underwritten one of this scope.
What should Berwyn do?

A. Arrange for coverage through the builder's commercial insurance policy.

B. Speak to a colleague who has experience with this type of risk and ask for guidance.

C. Refer the client to the Broker's commercial lines department.

D. Proceed with a quote using Berwyn's renovation rider experience.

正確答案: B

說明：（僅 VCESoft 成員可見）

問題7

Laws regulating the zoning, demolition, repair or construction of buildings and their related services can increase costs of repair to buildings. Can these increased costs be insured?

A. Yes, they are insurable if specified in a property policy.

B. No, they are considered uninsurable.

C. They are only insurable under an "All Risks" property policy.

D. They are partly covered under the 10% extension clause in most property policies.

正確答案: A

說明：（僅 VCESoft 成員可見）

問題8

Which of the following would be considered a "material change in risk"?

A. A client installs a woodstove at their cottage.

B. A client replaces worn carpeting in their home.

C. A client re-paints the interior of their home.

D. A client installs a ceiling fan in their bedroom.

正確答案: A

說明：（僅 VCESoft 成員可見）

問題9

A client who is currently conducting their business as a sole proprietorship is considering incorporating their business. What would be of MOST benefit to the client?

A. The client will have more insurance options available for their business.

B. The client would have more competitive insurance premiums.

C. The client would not be personally liable for the risks within the business.

D. The client would pay less tax.

正確答案: C

說明：（僅 VCESoft 成員可見）

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