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1. What is the basis of settlement under a new for old insurance policy if a television is stolen?

A) The replacement cost in full.
B) The original cost in full.
C) The replacement cost, less wear and tear.
D) The original cost, less wear and tear.

2. Under the regulator's training and competency rules, a general insurance employee carrying out a non-WiFID business activity

A) for 10 years after the employee stops carrying out the activity.
B) indefinitely.
C) for 20 years after the employee stops carrying out the activity.
D) for 3 years after the employee stops carrying out the activity.

3. How is Insurance Premium Tax collected within the UK?

A) By the insurer on individual insurance contracts.
B) By HM Revenue & Customs on the whole general account.
C) By the insurer on the whole general and life accounts.
D) By HM Revenue & Customs on individual insurance contracts.

4. The principle of indemnity is the

A) obligation of the insurer to pay all valid claims according to the terms and conditions of the policy.
B) placing of the insured, at expiry of a policy, in the same financial position as enjoyed at inception.
C) placing of the insured, after a loss, in the same financial position as enjoyed immediately before the loss.
D) obligation of the insurer to provide a maximum sum insured or limit of liability.

5. To whom, if anyone, can an agent normally delegate the responsibility imposed on net under an agency agreement?

A) To suitably qualified individuals only.
B) To anyone able to fulfil the duties.
C) The agent cannot delegate her responsibility.
D) To suitably experienced individuals only.

問題與答案：