Car and Motorcycle Goods and Passenger Carrying Special Types and Agricultural Motor Trade Other 10 10 10 10 10 20 20 20 20 20 30 30 30 30 30 40 40 40 40 40 50 50 50 50 50
Category 1 questions follow Car and Motorcycle
Question Category 1 question for 10 points What is the typical limit of indemnity for third party property damage under the liability section of the Private Motor policy?
Answer Category 1 answer for 10 points 20 million
Question Category 1 question for 20 points Apart from when they are in or on the vehicle where else will the car s accessories be covered in a typical private car policy?
Answer Category 1 answer for 20 points In the policyholder s garage
Question Category 1 question for 30 points What is the minimum level of cover I need for my personal belongings to be covered by a typical private car insurance policy?
Answer Category 1 answer for 30 points Comprehensive
Question Category 1 question for 40 points If helmets and protective clothing cover is provided by the motor cycle policy what will the policyholder need to do to make sure they are covered against theft if they are left with an unattended motor cycle?
Answer Category 1 answer for 40 points Store them in locked panniers
Question Category 1 question for 50 points The arbitration condition relates to disputes about what?
Answer Category 1 answer for 50 points The amount of a claim (quantum)
Category 2 questions follow Goods and Passenger Carrying
Question Category 2 question for 10 points Why might a goods carrying policy be extended to cover unlicensed drivers?
Answer Category 2 answer for 10 points To allow shunting in off road locations
Question Category 2 question for 20 points A car is being used to carry passengers for hire or reward. It is a vehicle that can be flagged down from the street or hired from a taxi rank. What type of hire is this?
Answer Category 2 answer for 20 points Public Hire
Question Category 2 question for 30 points Why is it unlikely that an insurer will be able to give SD&P cover on a public hire vehicle?
Answer Category 2 answer for 30 points The local licensing authority probably will not allow it.
Question Category 2 question for 40 points What is a cross liability?
Answer Category 2 answer for 40 points Where a company in a group of companies has a claim against another company in the same group
Question Category 2 question for 50 points What type of vehicle has 9-16 seats, is not used for hire or reward and has been granted a special permit?
Answer Category 2 answer for 50 points A small bus
Category 3 questions follow Special Types and Agricultural
Question Category 3 question for 10 points Give three examples of a special types vehicle.
Answer Category 3 answer for 10 points Mobile crane, dump truck, digger, excavator, site clearance vehicle, mobile library, burger van, etc.
Question Category 3 question for 20 points When a special types vehicle is being used as a tool of the trade what type of risk is usually excluded under a standard policy?
Answer Category 3 answer for 20 points Third party working risk
Question Category 3 question for 30 points When a special types vehicle is being used as a tool of the trade what type of risk is usually covered under a standard policy?
Answer Category 3 answer for 30 points Road Traffic Act Risks
Question Category 3 question for 40 points An agricultural policy typically covers the vehicle that is being borrowed by another farmer. What is the proviso that this is subject to?
Answer Category 3 answer for 40 points That the driver is not entitled to an indemnity under another policy
Question Category 3 question for 50 points Agricultural policies exclude crop spraying other than Road Traffic Act liabilities unless the crop spraying is taking place where?
Answer Category 3 answer for 50 points On the policyholder s own farm
Category 4 questions follow Motor Trade
Question Category 4 question for 10 points Name three types of business that may need motor trade insurance.
Answer Category 4 answer for 10 points Options include vehicle dealers, repairers, breakers, agricultural vehicle engineers, vehicle repossession agents, valeters, accessory fitters, auto electricians, etc.
Question Category 4 question for 20 points There are three main types of motor trade policy that are available. Name two.
Answer Category 4 answer for 20 points Road Risks, Internal Risks or Combined Any variants of the above are acceptable
Question Category 4 question for 30 points Under a motor traders comprehensive road risks policy what cover applies to a vehicle that is being towed?
Answer Category 4 answer for 30 points Comprehensive
Question Category 4 question for 40 points A car dealer sells a car that turns out to have faulty brakes. It is involved in an accident because of the brakes. The dealer is being sued by a pedestrian injured in the accident. Which extension to the motor trade policy will the dealer need to be covered for this claim?
Answer Category 4 answer for 40 points Products liability
Question Category 4 question for 50 points If a motor trader takes out Conversion cover what is he insuring against?
Answer Category 4 answer for 50 points Buying a vehicle that the seller did not have good title to.
Category 5 questions follow Other
Question Category 5 question for 10 points One type of legal expenses insurance is known as Before the event (BTE). What is the other type?
Answer Category 5 answer for 10 points After the event (ATE)
Question Category 5 question for 20 points What type of vehicle breakdown cover do I need to get help when my car will not start on my own driveway?
Answer Category 5 answer for 20 points At home cover any variant of this is acceptable
Question Category 5 question for 30 points A company asks its employees to use their own cars on company business. The employees are told to arrange their own motor insurance with the appropriate business use. What type of motor insurance should the insurer purchase just in case this goes wrong?
Answer Category 5 answer for 30 points Contingent liability
Question Category 5 question for 40 points Why is social, domestic and pleasure cover not available under occasional business use (OBU) insurance?
Answer Category 5 answer for 40 points Because the owner of the car should already have his/her own policy covering SD&P
Question Category 5 question for 50 points What is an equivalent compulsory excess in the context of a professional driving instructors motor insurance?
Answer Category 5 answer for 50 points The instructor s excess will be the same as that of the pupil.