Absolute Insurance Surveyors & Loss Assessors Quiz
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The principle of utmost good faith deals with the duty of the insured to voluntarily disclose accurately and fully all material facts to the risk being proposed whether requested for or not.
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True
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False
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About This Quiz
Risk is the eventuality of winning or losing. In business, insurance takes care of risks in the chance that they occur. The Absolute Insurance Surveyors & Loss Assessors Quiz below dives deeper into the details.
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- 2.
Marine insurance covers risks related to motor vehicles, Burglary and Health
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True
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False
Correct Answer
A. FalseExplanation
The given statement is false. Marine insurance specifically covers risks related to the transportation of goods and passengers by sea or other waterways. It does not cover risks related to motor vehicles, burglary, or health.Rate this question:
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- 3.
The insurable interest is important ingredient of an insurance contract.
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True
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False
Correct Answer
A. TrueExplanation
Insurable interest is an important ingredient of an insurance contract because it ensures that the policyholder has a financial stake in the insured property or person. It means that the policyholder would suffer a financial loss if the insured property is damaged or the insured person experiences a loss. This requirement prevents people from taking out insurance policies on things or individuals in which they have no legitimate interest, thus discouraging fraudulent claims. Insurable interest helps maintain the principle of indemnity in insurance contracts, ensuring that the policyholder is compensated for the actual financial loss suffered.Rate this question:
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- 4.
The principle of utmost good faith deals with the duty of the insured to voluntarily disclose accurately and fully all material facts to the risk being proposed whether requested for or not.
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True
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False
Correct Answer
A. TrueExplanation
The principle of utmost good faith requires the insured to provide all relevant information to the insurer, even if not specifically asked for. This means that the insured must disclose all material facts about the risk being proposed, ensuring that the insurer has all the necessary information to accurately assess and underwrite the policy. Failing to disclose such information could result in the policy being voided or a claim being denied. Therefore, the statement that the principle of utmost good faith deals with the insured's duty to disclose all material facts accurately and fully is true.Rate this question:
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- 5.
Which of the following are types of general insurance ?
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Motor
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Marine
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Fire
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All of the above
Correct Answer
A. All of the aboveExplanation
The correct answer is "All of the above" because motor, marine, and fire insurance are all examples of general insurance. General insurance covers a wide range of non-life insurance policies that protect against various risks such as damage to property, liability, and loss of assets. Motor insurance provides coverage for vehicles, marine insurance covers risks associated with shipping and transportation, and fire insurance protects against fire-related damages. Therefore, all three options mentioned in the question are types of general insurance.Rate this question:
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- 6.
The policy is issued by the ________
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Broker
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Surveyor
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Insurer
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Insured
Correct Answer
A. InsurerExplanation
The policy is issued by the insurer. The insurer is the party that provides insurance coverage and assumes the risk of potential losses. They are responsible for issuing the insurance policy, which outlines the terms and conditions of the coverage. The insured, on the other hand, is the individual or entity that purchases the insurance policy and is protected by the coverage provided by the insurer. The broker is an intermediary who helps facilitate the purchase of insurance, while a surveyor assesses the risk and value of the insured property.Rate this question:
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- 7.
What is the full form of IRDA?
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Insurance Regulatory & Development Authority
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Indian Regulator & Development Authority
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Insurance Regulator & Development Authority
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Indian Regulatory & Development Authority
Correct Answer
A. Insurance Regulatory & Development AuthorityExplanation
The correct answer is Insurance Regulatory & Development Authority. This is the full form of IRDA. It is a regulatory body in India that oversees and regulates the insurance industry. It is responsible for protecting the interests of policyholders and ensuring the stability and growth of the insurance sector in the country.Rate this question:
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- 8.
Which of the following is not a peril?
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Flood
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Accident
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Fire Alarm
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Cyclone
Correct Answer
A. Fire AlarmExplanation
A peril refers to a specific risk or danger that can cause harm or damage. In this case, flood, accident, and cyclone are all examples of perils as they represent potential risks or dangers. However, a fire alarm is not a peril itself, but rather a device or system designed to detect and alert individuals to the presence of a fire. Therefore, the correct answer is fire alarm.Rate this question:
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- 9.
ITC A covers which of the following perils.
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Fire
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Lightening
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Rain water Damage
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All of the above
Correct Answer
A. All of the aboveExplanation
ITC A covers all of the mentioned perils, including fire, lightning, and rain water damage. This means that if any of these perils occur, ITC A will provide coverage.Rate this question:
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- 10.
Insurance is based on the law of large numbers
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True
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False
Correct Answer
A. TrueExplanation
Insurance is based on the law of large numbers because it relies on the principle that as the number of insured individuals increases, the more accurate the predictions of risk and loss become. The law of large numbers states that the average of the results obtained from a large number of trials will tend to be close to the expected value. In the context of insurance, this means that by pooling a large number of policyholders together, the insurer can more accurately predict the likelihood of claims and determine appropriate premiums to cover those claims.Rate this question:
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- 11.
ITC B cover is also known as a basic cover.
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True
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False
Correct Answer
A. TrueExplanation
ITC B cover is indeed known as a basic cover.Rate this question:
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- 12.
A _________ is an individual/corporation whose job is to assess the loss.
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Broker
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Surveyor
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Investigator
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Agent
Correct Answer
A. SurveyorExplanation
A surveyor is an individual or corporation whose job is to assess the loss. They are responsible for evaluating the extent of damage or loss in various situations such as property damage, insurance claims, or construction projects. Surveyors use their expertise and knowledge to inspect and analyze the situation, gather relevant information, and provide accurate assessments of the loss. They play a crucial role in determining the value of the loss and assisting in the resolution or settlement process.Rate this question:
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- 13.
The principle of subrogation and contribution are one and the same.
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True
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False
Correct Answer
A. FalseExplanation
The principle of subrogation and contribution are not the same. Subrogation refers to the right of an insurer to step into the shoes of the insured and pursue a claim against a third party responsible for the loss. On the other hand, contribution is the right of multiple insurers who share the same risk to contribute proportionately towards the settlement of a claim. These principles have different purposes and applications in insurance.Rate this question:
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- 14.
The principle of indemnity says that the insured shall be paid a financial compensation sufficient to place him in the financial position after the loss as he enjoyed before the loss occurred.
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True
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False
Correct Answer
A. TrueExplanation
The principle of indemnity ensures that the insured is adequately compensated financially after a loss, allowing them to regain the same financial position they were in before the loss occurred. This principle aims to prevent the insured from suffering any financial hardship as a result of the loss. Therefore, the statement is true.Rate this question:
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- 15.
A positive duty to voluntarily disclose, accurately and fully all facts material to the risk being proposed whether requested for or not, is called as ________________
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Indemnity
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Insurable Interest
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Material Fact
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Utmost Good Faith
Correct Answer
A. Utmost Good FaithExplanation
Utmost Good Faith refers to the duty of the insured to provide all relevant information regarding the risk being proposed, whether or not it is requested by the insurer. This duty requires the insured to disclose all material facts accurately and fully, ensuring complete transparency between the parties involved. By adhering to the principle of Utmost Good Faith, both the insured and the insurer can make informed decisions and accurately assess the risk involved in the insurance contract.Rate this question:
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- 16.
The proposer pays a consideration to the insurance company for bearing the risk on his behalf. What is the consideration known as?
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Enrollment Fee
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Premium
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Sum Insured
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Installment
Correct Answer
A. PremiumExplanation
The consideration paid by the proposer to the insurance company for bearing the risk on his behalf is known as the premium. The premium is the amount of money that the insured person pays regularly to the insurance company in exchange for the coverage provided by the insurance policy. It is a key component of the insurance contract and is determined based on factors such as the type of insurance, the level of coverage, the risk profile of the insured, and other relevant factors.Rate this question:
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- 17.
ABC Industries Ltd has sold a consignment of granules to M/s XYZ Plasts Ltd. The material was dispatched from Mumbai to be delivered to Chennai with the incoterms of Ex-Works on the invoice. While leaving the factory premises, the consignment carrying vehicle collided with another vehicle and the material of granules was damaged due to the same. M/s XYZ Plasts Ltd has insured the cargo with under a marine policy with a ITC-A coverage. The buyer has claimed the loss with their insurers. Will the loss be payable to the buyer.
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Yes
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No
Correct Answer
A. YesExplanation
The loss will be payable to the buyer because the buyer had insured the cargo with a marine policy that provides coverage for such incidents. The fact that the material was damaged due to a collision during transportation does not negate the buyer's right to claim the loss from their insurers.Rate this question:
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- 18.
Anything tangible or intangible that is capable of being owned or controlled is called as __________
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An Event
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An Asset
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A value
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None of the above
Correct Answer
A. An AssetExplanation
An asset refers to anything tangible or intangible that can be owned or controlled. It can be a physical object such as property or equipment, or it can be an intangible item such as intellectual property or a contractual right. Assets hold value and can be utilized to generate future benefits or provide economic value to the owner or controller.Rate this question:
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- 19.
Which of the following is not a principle of insurance
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Indemnity
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Material Facts
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Utmost Good Faith
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Contribution
Correct Answer
A. Material FactsExplanation
Material Facts is not a principle of insurance. The principles of insurance include indemnity, utmost good faith, and contribution. Indemnity refers to the principle that the insured should be restored to the same financial position they were in before the loss occurred. Utmost good faith requires both the insurer and insured to disclose all relevant information honestly and accurately. Contribution is the principle that allows multiple insurers to share the cost of a claim proportionally. Material facts, on the other hand, refer to the information that is important and relevant to the insurance contract, but it is not a principle itself.Rate this question:
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- 20.
The principle of indemnity ensures that the insurance company makes a reasonable profit from the policy offered.
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True
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False
Correct Answer
A. FalseExplanation
The principle of indemnity does not ensure that the insurance company makes a reasonable profit from the policy offered. Instead, it ensures that the insured is compensated for the actual financial loss suffered, up to the limit of the policy. The principle of indemnity aims to restore the insured to the same financial position they were in before the loss occurred, without allowing for any profit. Therefore, the statement is false.Rate this question:
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- 21.
Which are the basic documents required at the time of survey ?
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Invoice and LR
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Packing List
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Claim Bill
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None of the above
Correct Answer
A. Invoice and LRExplanation
At the time of survey, the basic documents required are the invoice and LR (Loading Receipt). These documents provide important information regarding the goods being transported, such as the description, quantity, and value. The invoice serves as a proof of purchase or sale, while the LR is a document that acknowledges the receipt of goods for transportation. These documents are essential for verifying the accuracy of the goods being surveyed and ensuring that the correct items are accounted for.Rate this question:
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- 22.
Which of the following is not an intermediary
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Agent
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Broker
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Medical Examiner
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Bank
Correct Answer
A. Medical ExaminerExplanation
A medical examiner is not considered an intermediary because intermediaries typically act as middlemen or facilitators in a transaction or process. They help connect two or more parties and assist in the exchange of goods, services, or information. Agents and brokers, for example, act as intermediaries in various industries, such as real estate or insurance, by representing clients and facilitating transactions on their behalf. However, a medical examiner is a professional who performs autopsies and investigates the cause of death, which does not involve intermediation between parties.Rate this question:
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- 23.
The surveyor does not have a role to play in life insurance business.
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True
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False
Correct Answer
A. TrueExplanation
The statement is true because a surveyor is not typically involved in the life insurance business. A surveyor is someone who assesses the value, condition, or quality of a property or item. In the context of insurance, a surveyor may be involved in assessing the value of a property for property insurance purposes. However, when it comes to life insurance, the assessment is typically based on the individual's health and other factors, rather than the value of a property. Therefore, a surveyor does not have a direct role in the life insurance business.Rate this question:
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- 24.
Which of the following is not a material facts in a general insurance ?
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Description of a vehicle
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Nature of goods
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Family history of hereditary illness
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Construction and usage of building
Correct Answer
A. Family history of hereditary illnessExplanation
In general insurance, material facts are the information that can influence the insurer's decision in providing coverage or determining the premium. The description of a vehicle, nature of goods, and construction and usage of a building are all relevant to general insurance as they affect the risk and potential claims. However, family history of hereditary illness is not directly related to general insurance as it does not impact the insurable risk. Therefore, it is not considered a material fact in this context.Rate this question:
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- 25.
An individual who is engaged in sourcing insurance business for a particular company.
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Broker
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Agent
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Surveyor
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Insured
Correct Answer
A. AgentExplanation
An agent is a person who is authorized to act on behalf of an insurance company and is responsible for sourcing insurance business. They have the authority to negotiate and sell insurance policies to individuals or businesses. Unlike brokers who work independently and represent multiple insurance companies, agents exclusively represent a specific company. Therefore, an agent is the correct answer in this context.Rate this question:
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- 26.
What is also known as a sale agreement ?
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Invoice
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LR
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Policy copy
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Packing list
Correct Answer
A. InvoiceExplanation
An invoice is also known as a sale agreement because it is a document that outlines the details of a transaction between a buyer and a seller. It includes information such as the products or services purchased, the quantity, the price, and the terms of payment. By providing this information, the invoice serves as a legal agreement between the two parties, confirming the sale and the obligations of both the buyer and the seller.Rate this question:
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- 27.
Which of the below are the entities in the insurance industry
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Corporate Agents
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Medical Examiners
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Surveyors
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All of the above
Correct Answer
A. All of the aboveExplanation
The entities in the insurance industry include corporate agents, medical examiners, and surveyors. Corporate agents are individuals or organizations that sell insurance policies on behalf of insurance companies. Medical examiners are professionals who assess the health and medical conditions of individuals applying for insurance coverage. Surveyors are experts who assess and evaluate the risks associated with insurable properties. Therefore, all of the options listed are entities that play a role in the insurance industry.Rate this question:
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- 28.
Sanjay has given a loan of Rs.15,000 to Mohit for 5 years. At the end of 4 years, the outstanding balance of the loan due is Rs.2,500. According to the principle of insurable interest, how much is the insurable interest of Sanjay on the life of Mohit ?
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The full loan amount of Rs.15,000
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The amount already paid Rs.12,500
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The outstanding loan balance of Rs.2,500
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None. Sanjay cannot take insurance on Mohit's life as the two don't have any insurable interest
Correct Answer
A. The outstanding loan balance of Rs.2,500Explanation
Sanjay's insurable interest on the life of Mohit would be the outstanding loan balance of Rs.2,500. This is because insurable interest refers to the financial interest that a person has in the life of another person. In this case, Sanjay has a financial interest in Mohit's life because if Mohit were to pass away, Sanjay would still be owed the remaining balance of the loan. Therefore, the insurable interest would be the amount that is still owed, which is Rs.2,500.Rate this question:
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- 29.
If the policyholder files a claim with one company, that company is entitled to collect a proportional amount of money from the other involved insurance companies.The above describes which principle ?
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Principle of Indemnity
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Principle of Subrogation
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Principle of Contribution
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Principle of Insurable Interest
Correct Answer
A. Principle of ContributionExplanation
The principle of contribution states that if a policyholder files a claim with one insurance company, that company is entitled to collect a proportional amount of money from the other involved insurance companies. This principle ensures that the policyholder does not receive more than the actual value of the loss or damage, and prevents the policyholder from profiting from multiple insurance policies for the same loss.Rate this question:
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- 30.
Which of the following is not a term of sale ?
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JIR
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EXW
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CIF
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All of the above
Correct Answer
A. JIR -
- 31.
A survey report is required by the insurance company for losses above ________
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Rs.10,000
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Rs.25,000
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Rs.20,000
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Rs.26,000
Correct Answer
A. Rs.20,000Explanation
A survey report is required by the insurance company for losses above Rs.20,000. This means that if the value of the loss is below Rs.20,000, the insurance company may not require a survey report. However, if the loss exceeds Rs.20,000, the insurance company will need a survey report to assess the extent of the damage and determine the appropriate compensation.Rate this question:
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- 32.
In which year was the IRDA was set up?
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1998
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1999
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2000
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2001
Correct Answer
A. 1999Explanation
The Insurance Regulatory and Development Authority (IRDA) was set up in the year 1999. This regulatory body was established to promote and regulate the insurance industry in India, ensuring the protection of policyholders' interests and the smooth functioning of insurance companies.Rate this question:
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- 33.
The principle of subrogation specifies that if a policyholder files a claim with one company, that company is entitled to collect a proportional amount of money from the other involved insurance company.
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True
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False
Correct Answer
A. FalseExplanation
The principle of subrogation specifies that if a policyholder files a claim with one company, that company is entitled to collect a proportional amount of money from the other involved insurance company. However, this statement is false. The principle of subrogation actually allows the insurance company that pays a claim to "step into the shoes" of the policyholder and pursue legal action against the responsible party to recover the amount paid. It does not entitle the insurance company to collect money from another insurance company.Rate this question:
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- 34.
What does ITC stand for ?
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Inland Transit Clause
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International Transit Clause
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Inland Transit Cover
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International Transit Cover
Correct Answer
A. Inland Transit ClauseExplanation
The correct answer is "Inland Transit Clause." This term refers to a clause in an insurance policy that provides coverage for goods and merchandise while in transit within the same country. It specifically applies to situations where the goods are being transported from one location to another within the same country.Rate this question:
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- 35.
Which of the following is a restricted cover ?
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ITC A
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ITC C
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ITC B
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All of the above
Correct Answer
A. ITC CExplanation
The correct answer is ITC C. A restricted cover refers to a subset of a set that covers all elements of the original set, but with certain restrictions or conditions. In this case, ITC C is the only option that satisfies the condition of being a restricted cover.Rate this question:
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- 36.
Which of the following is not a document that is required for finalizing a FSR ?
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Invoice
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Claim Bill
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Policy Copy
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None of the above
Correct Answer
A. None of the aboveExplanation
The question asks for a document that is not required for finalizing a FSR (Final Settlement Report). The options provided are Invoice, Claim Bill, Policy Copy, and None of the above. The correct answer is "None of the above" because all three documents (Invoice, Claim Bill, and Policy Copy) are typically required for finalizing a FSR.Rate this question:
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- 37.
As per the Incoterms 2010, how many terms of sale are in use ?
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11
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14
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09
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10
Correct Answer
A. 11Explanation
As per the Incoterms 2010, there are 11 terms of sale in use. These terms define the responsibilities and obligations of buyers and sellers in international trade, including the delivery of goods, transfer of risk, and allocation of costs. Each term represents a different arrangement between the parties involved, such as EXW (Ex Works), FOB (Free on Board), and CIF (Cost, Insurance, and Freight). These terms help ensure clarity and consistency in international trade transactions.Rate this question:
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- 38.
Which of the widest cover provided by the insurance company ?
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ITC A
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ITC C
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ITC B
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All of the above
Correct Answer
A. ITC AExplanation
ITC A provides the widest cover among the insurance companies mentioned.Rate this question:
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- 39.
Certificate of Loss is issued by _________
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Broker
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Carrier
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Insurer
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Insured
Correct Answer
A. CarrierExplanation
A Certificate of Loss is issued by the carrier. The carrier is the entity responsible for transporting goods or individuals from one place to another. In the context of insurance, the carrier refers to the insurance company that provides coverage for the insured. Therefore, it is the carrier who issues the Certificate of Loss, which is a document that confirms the occurrence of a loss or damage and may be required for insurance claims.Rate this question:
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- 40.
Insurance does not protect the asset.
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True
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False
Correct Answer
A. TrueExplanation
Insurance is a risk management tool that provides financial protection against potential losses or damages. It does not physically protect the asset itself, but rather provides compensation or coverage for any losses or damages that may occur to the asset. Therefore, it is correct to say that insurance does not directly protect the asset.Rate this question:
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- 41.
An individual who is wholly engaged is sourcing insurance business for various companies is called _______
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Agent
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Investigator
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Broker
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Surveyor
Correct Answer
A. BrokerExplanation
An individual who is wholly engaged in sourcing insurance business for various companies is called a broker. A broker acts as an intermediary between the insurance companies and the clients, helping clients find the most suitable insurance coverage and policies. They are knowledgeable about different insurance products and can provide expert advice to clients. Unlike agents who represent a specific insurance company, brokers work independently and can offer clients a wider range of options from multiple insurance providers. Thus, the term "broker" accurately describes an individual engaged in sourcing insurance business for various companies.Rate this question:
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- 42.
The licence of a surveyor is valid for ______ years.
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3
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5
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7
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1
Correct Answer
A. 5Explanation
The license of a surveyor is valid for 5 years. This means that surveyors are required to renew their license every 5 years in order to continue practicing. The 5-year validity period ensures that surveyors stay updated with the latest standards and regulations in the field. It also allows for periodic assessments of their skills and knowledge to maintain the quality and accuracy of surveying practices.Rate this question:
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- 43.
I) Fireii) Lightningiii) Collisioniv) OverturningAll of the above perils are covered under which of the below clauses.
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ITC A and ITC B
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ITC B and ITC C
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ITC A and ITC C
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All of the above
Correct Answer
A. ITC A and ITC BExplanation
All of the above perils, including fire, lightning, collision, and overturning, are covered under ITC A and ITC B clauses.Rate this question:
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- 44.
ABC Industries Ltd has sold a consignment of granules to M/s XYZ Plasts Ltd. The material was dispatched from Mumbai to be delivered to Chennai with the incoterms of CIF Chennai on the invoice. While in transit, the consignment carrying vehicle met with an accident and the material of granules was damaged. M/s XYZ Plasts Ltd has insured the cargo with under a marine policy with a ITC-A coverage. The buyer has claimed the loss with their insurers. Will the loss be payable to the buyer.
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Yes
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No
Correct Answer
A. NoExplanation
No, the loss will not be payable to the buyer. The incoterms of CIF Chennai indicate that the seller is responsible for the goods until they are delivered to the port of destination. Since the accident occurred while the goods were in transit, it is the seller's responsibility to bear the loss. Additionally, the buyer has insured the cargo under a marine policy, which means they have already transferred the risk to the insurer. Therefore, the buyer should be able to claim the loss from their insurers, rather than the seller.Rate this question:
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- 45.
The contractual term for the premium is known as___________
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Contribution
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Consideration
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Commitment
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Consolidation
Correct Answer
A. ConsiderationExplanation
Consideration refers to the payment made by one party to another in exchange for a promise or performance under a contract. It is an essential element of a valid contract and is often in the form of money, goods, or services. In the context of insurance, the premium paid by the insured is the consideration for the insurer's promise to provide coverage and pay for covered losses. Therefore, the contractual term for the premium is known as consideration.Rate this question:
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- 46.
Which of the following is not an ITC C peril ?
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Fire
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Lightening
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Collision
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All of the above
Correct Answer
A. CollisionExplanation
Collision is not an ITC C peril because ITC C perils refer to specific types of risks covered by an insurance policy. Fire and lightening are examples of ITC C perils, as they are events that can cause damage or loss. Collision, on the other hand, typically falls under a different category of insurance coverage, such as auto insurance, where it refers to accidents involving vehicles. Therefore, collision is not considered an ITC C peril.Rate this question:
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- 47.
What is the mother of all documents ?
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Invoice
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LR
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Claim Bill
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Joint Inspection Report
Correct Answer
A. LR -
- 48.
The purpose of Insurance is to ___________
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Bring people who are exposed to similar risks together
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Pay claims
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Collect premium
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All of the above
Correct Answer
A. Bring people who are exposed to similar risks togetherExplanation
Insurance serves the purpose of bringing together individuals who face similar risks. By pooling their resources through the payment of premiums, insurance companies are able to provide financial protection to policyholders in the event of a covered loss or risk. This collective approach allows for the spreading of risk and ensures that policyholders are not solely responsible for bearing the full burden of potential losses. Additionally, insurance companies are responsible for paying valid claims, providing the necessary financial support when policyholders experience covered losses.Rate this question:
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- 49.
How many principles of insurance pertain to the general insurance sector ?
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4
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6
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5
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7
Correct Answer
A. 5Explanation
The correct answer is 5. The principles of insurance that pertain to the general insurance sector include insurable interest, utmost good faith, indemnity, subrogation, and contribution. These principles are fundamental in ensuring the fairness and effectiveness of insurance contracts in the general insurance sector.Rate this question:
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Mar 22, 2023Quiz Edited by
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Oct 15, 2014Quiz Created by
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