Which of the following is an evidence of Insurance contract a) payment of premium b)Acceptance of proposal Ans(d) 1 c) insurance prospectus d)policy of insurance

Under Agriculture pump set policy which of the following risks is covered at extra premium Ans (c) a) Mechanical breakdown 2 3 4 b)electrical break down c) Flood d)Burglary The cove under the transit clause of ICC terminates on the expiry of _______ days after discharge from the vessel at the final port of discharge a) 15 Days b) 30 Days c) 45 Days d) 60 Days Which of the following risks excluded under ICC clause can be covered on payment of extra premium a) Loss by delay b) Loss from inventory of owners of the vessel b) Loss due to inadequate packing d) war and kindred perils In which of the following claims the report of Average Adjusters is necessary a) Actual Total loss of ship b) constructive total loss of ship c) Particular Average d)General Average 5 Certificates of insurance are issued in a) Marine hull insurance b) Marine cargo insurance c) Engineering insurance d) Workmens compensation insurance 6 Under IRDA Guidelines which of the following policies fall under Exposure rated products a) Earthquake risk b) Policies with a sum insured of Rs 2500 crores or more at one location for material damage c) policies with a sum insured of Rs 2500 crores or more at one location for combined material damage and business interruption d)Liability insurance Terrorism Cover for Industrial risk is subject to a deductable of a) 0.5% of the total sum insured b)1.0% of the total sum insured c) 2.0% of the total sum insured d) 3.0% of the total sum insured Which of the following is not impact damage covered under standard fire & special perils policy .visible damage by direct contact with a) Any road vehicle b) Any rail vehicle c) insureds own forklift on the premises d) any animal Which of the following is not covered under standard fire and special perils policy a) Cyclone b) Hurricane c) Earth Quake d) Flood Subsidence covered under standard fire and special perils policy means a) Normal cracking b) Settlement c) Bedding down of new structure d) Subsidence of part of the site on which the property stands The deductible for Act of God perils under standard Fire and special perils policy is a) 1% of each and every loss b) 3% of each and every loss c) 4% of each and every loss d) 5% of each and every loss Which of the following exclusions does not appear under ICC(A) clause a) Inadequate packing b) Inherent vice c) Malicious damage d) Loss by delay Which of the following is not covered uner private car package policy a) Self ignition b) Earth quake c) Terrorist act Ans (a) Ans (b)

Ans(d) Ans (d)

Ans (d)

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Ans (a) Ans(c) Ans(c) Ans (d)

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Ans(d)

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Ans (C)

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Ans (d)

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d) All are covered Under private car package policy ,the rate of depreciation for all parts made of glass are a) 20% b)30% c) 50% d)nil Which of the following exclusion does not appear in Own damage section of private car package policy a) Mechanical break down b) Wear and tear c) electrical break down d) Malicious damage The rates of depreciation for replacement of rubber parts under pvt car package policy are a) 10% b) 205 c)30% d) 50% Which of the following is not covered under private car package policy are a) Earth quake b) lightening c) Loss of accessories unless the vehile is stolen at the same time d) Landslide Under PA Policy which of the following is true 1)Cumulitive bonus doesnt apply 2)Children education grant is available a) 1 is true b) 2 is true c) both are true c) both are false Which of the following is true under Group Medi claim policy 1. Cumulative bonus is not available 2. Health check up expenses are payable a) 1 is true b) 2 is true c) both are true d) both are false Under Public liability policy for industrial risks, which of the following cannot be covered at extra premium a) Pollution b) earth quake c) transportation of hazardous substances d) fines and penalties Which of the following exclusions of industrial risks public liability policy can be covered under a separate policy a) Liability for pollution b) Liability of collaborator who has a technical collaboration with the insured c) Liability for injuries to employees d) Liability arising out of earth quake Under which of the following fidelity guarantee policies individual amount of guarantee is not specified a) Collective policy b) Floating policy c) positions policy d) Blanket policy Under which of the following fidelity guarantee policies per capita additional premium is charged a)Collective policy b) Floating policy c) positions policy d) Blanket policy Which of the following causes of breakage is covered under plate glass insurance policy a) Fire b) Explosion c) Riot d) Accident For which of the following crops horticulture policy is not available a) Grapes b) Oranges c) Papaya d) Bananas For which of the following crops plantation(inputs) policy is not available a) Rubber b) Coffee c) Tea d) Sugar cane Which of the following is not covered under Neon sign insurance policy a) Theft b) Lightning c) Mechanical breakdown d) External Explosion Which of the following covers in House holders package insurance is not included in House holders insurance a) Persoanl Baggage b) Television c) Fixed plate glass d) Legal liability to third parties Insurer shall, with in a period of _______ days of receipt survey report, offer a settlement of claim to the insured a) 15 days b) 30 days c) 45 days d) 60 days An Appeal against the order of the national commission can be made with in a period of _____ days from the date of order a) 30 days b)45 days c) 60 days d) 90 days The turnover of business consists of a) Variable charges and standing charges b) Standing charges and net profit c) Variable charges and net profit d) Variable charges, standing charges and net profit Which of the following documents is not required for processing private car own damage claims a) Driving License b) RC book c) Fitness certificate d) Final bill from repairs Which of the following is not taken in to consideration for fixing the rates of premium for buses(package policy) a) Age of the vehicle b) Licensed passenger capacity c) Insured declared value of the vehicle d) Geographical area Bonus (discount) and Malus(loading) of premium applies under PA insurance, under

Ans (d) Ans(d) Ans (d) Ans( c) Ans(a) Ans(a) Ans(d) Ans(c)

22 Ans(b) Ans(b) Ans(d) Ans(c) Ans(b) Ans(c) Ans(b) Ans(b) 23 24 25 26 27 28 29 30 31

Ans(a)

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Ans(d) Ans(c)

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Ans(c) Ans(b)

A) Individual policies b) Group policies c) both individual and group policies d) Neither individual nor group policies Which of the following diseases is excluded under domicilary hospitalisation benefit a)Tonsillitis b) Sinusitis c) Cataract d) Hernia Which of the following statement is true 1. Compulsory excess is applicable to doctors professional indemnities 2. Compulsory excess is applicable to professional indemnities for medical establishments a) 1 is true b) 2 is true c) both are true d) both are false Which of the following is not included in electronic equipment insurance a) Damage to equipments b) Damage to external data media c) increased cost of working d) loss of profits Which of the following losses caused by burglars is not payable under burglary (business premises) policy a) Damage to external doors by fire b) Damage to goods which were not stoled b) Damage to furniture d) theft of cash from safe thrugh original key obtained by threats of violence Which of the following risks does not require additional premium under money in transit policy a) Riot b) Strike c) Robbery d) Terrorism Which of the following are not covered under Bankers Blanket policies a) Trading losses b) Payment of raised cheques c) Dishonesty of the employee d) Loss of securities by fire Which of the following is not an exclusion under cattle policy a) Theft of animal b Clandestine sale of the animal c) Transport by air d) Surgical operations Under cattle policy, the claim is not payable for death due to disease occurring within______ days of the commencement of the risk Which of the following properties can be covered under All Risks policy on agreed value basis a) Watches b) Cameras c) Binoculars d) Paintings

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Ans(a) Ans(b)

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Ans(d)

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Ans (a) Ans(c) Ans(a) Ans(d) Ans(d) Ans(d)

IMP

Any question which consists of options as All the above/All are true/ Both the statements are true/none of the above/both 1&2 are true Select the same as answer..... Any question which consists of Fire....OPT C as Answer

Imp