Chapter 1 Flashcards

1
Q

Sarah is reviewing her motor insurance policy. She notices that damage caused by an event occurring on a large scale, like a war, isn’t covered. What type of risk is this?
A) Minor car accident
B) Flood damage
C) War
D) Storm damage

A

C - War

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2
Q

Tom lives in an area where heavy storms are frequent. His insurance policy has a section for accidental damage protection that includes coverage for storms. What type of event is likely covered by this section?
A) Nuclear explosion
B) War
C) Storm
D) Terrorism

A

C) STORM

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3
Q

A homeowner’s property is severely damaged due to a nuclear contamination event. He tries to file an insurance claim but is told the damage is not covered. What category of risk is nuclear contamination considered?
A) Flood
B) Nuclear contamination
C) Minor theft
D) Road traffic accident

A

B) Nuclear contamination

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4
Q

Jane’s car was damaged in a small accident, causing a minor repair cost. This is an example of a risk that is confined to a specific cause and effect. What type of risk does this represent?
A) Risks that have a large-scale impact
B) Risks that can cause catastrophic events
C) Risks with a confined cause and effect, resulting in minor to major losses
D) Risks that are not covered by any insurance policies

A

C) Risks with a confined cause and effect, resulting in minor to major losses

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5
Q

Mark’s car was damaged by a terrorist attack. When he tries to claim the insurance, he is informed that this type of damage is not covered by his policy. What type of damage is most likely not covered by comprehensive motor insurance?
A) Accidental damage
B) Storm damage
C) War damage
D) Theft

A

C) War Damage

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6
Q

Emma was involved in a car accident that caused injury to herself and her passengers. What peril is this an example of?
A) Damage to other property
B) Death or bodily injury to occupants of the vehicle
C) Theft or attempted theft
D) Damage due to storm or flood

A

A: B) Death or bodily injury to occupants of the vehicle

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7
Q

A cyclist is injured when hit by a car. What type of peril is this?
A) Damage to the vehicle
B) Bodily injury to the driver
C) Death or bodily injury to other road users
D) Theft of vehicle parts

A

C) Death or bodily injury to other road users

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8
Q

A car owner’s vehicle was damaged in a storm and the insurance policy covered the repairs. What type of peril is this?
A) Theft and deception
B) Damage to the vehicle in use due to accident, storm, or flood
C) Damage to property of others
D) Bodily injury to passengers

A

B) Damage to the vehicle in use due to accident, storm, or flood

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9
Q

Mark is careless when parking his car, and as a result, another vehicle was damaged. What type of hazard does this represent?
A) Moral hazard
B) Physical hazard
C) Legal hazard
D) Weather hazard

A

A) Moral hazard

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10
Q

A vehicle is stolen, and the owner claims the loss with their insurance. What peril does this scenario describe?
A) Fire damage
B) Theft and attempted theft
C) Collision damage
D) Bodily injury to others

A

B) Theft and attempted theft

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11
Q

A driver with a high-risk history of traffic violations causes an accident. What type of hazard does this situation illustrate?
A) Physical hazard
B) Moral hazard
C) Environmental hazard
D) Property hazard

A

B) Moral hazard

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12
Q

John was driving carelessly and caused an accident, injuring another driver. What tort is this an example of?
A) Nuisance
B) Trespass
C) Conversion
D) Negligence

A

D) Negligence

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13
Q

A car owner’s property is wrongfully taken by someone who claims to be the rightful owner. This action is an example of which tort?
A) Nuisance
B) Trespass
C) Conversion
D) Negligence

A

C) Conversion

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14
Q

A neighbor’s loud music causes disturbance and loss of enjoyment of your property. Which tort is likely involved here?
A) Trespass
B) Negligence
C) Conversion
D) Nuisance

A

D

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15
Q

Maria enters another person’s driveway without permission, causing damage to the vehicle. What tort is this an example of?
A) Trespass
B) Nuisance
C) Conversion
D) Negligence

A

A

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16
Q

A driver crashes into a pedestrian while texting and driving. This action most likely involves which tort?
A) Conversion
B) Nuisance
C) Negligence
D) Trespass

A

C

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17
Q

Tom was driving too fast and failed to brake in time, causing an accident with another car. What must be proven for Tom to be liable for the damages?
A) He owed a duty of care to the other driver
B) The accident must have been caused by external factors like the weather
C) The driver of the other car was speeding
D) The other driver caused the collision

A

A) He owed a duty of care to the other driver

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18
Q

Emily was a passenger in a car that caused damage by opening the door into a passing cyclist. What type of liability might Emily incur in this case?
A) None, as she was not driving
B) Liability for negligence as a passenger
C) Liability for causing damage to property only
D) Liability for driving recklessly

A

B) Liability for negligence as a passenger

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19
Q

John was a primary victim in a motor accident when he feared for his own safety. He suffered psychiatric illness due to the shock. What category does John fall under in terms of a nervous shock claim?
A) Secondary victim
B) Primary victim
C) Not eligible for compensation
D) Only eligible if the accident occurred near his home

A

B) Primary victim

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20
Q

Sarah witnessed a car accident in which her friend was injured. She was 100 yards away from the accident scene and experienced nervous shock. Based on the case law, would Sarah be eligible for damages?
A) Yes, as she is a secondary victim
B) No, as she was too far from the scene
C) Yes, but only if her friend was severely injured
D) No, because she was a bystander with no emotional connection to the accident

A

B) No, as she was too far from the scene

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21
Q

A driver (Vehicle A) causes an accident because they were distracted while texting. Vehicle B is damaged, and the driver of Vehicle A is found negligent. What is the key element that must be proven in this case for the claim to succeed?
A) The driver of Vehicle A was speeding
B) There was no duty of care owed to the occupants of Vehicle B
C) Damage to Vehicle B and its occupants was foreseeable
D) Vehicle B caused the accident

A

C) Damage to Vehicle B and its occupants was foreseeable

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22
Q

In general, who has the onus of proof in negligence cases?
A) Defendant
B) Claimant
C) Judge
D) Witness

A

B) Claimant

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23
Q

Under which legal principle does the onus of proof shift to the defendant when negligence is obvious?
A) Rylands v. Fletcher
B) Musgrove v. Pandelis
C) Res ipsa loquitur
D) Contra proferentem

A

C) Res ipsa loquitur

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24
Q

Sarah, a delivery driver for FreshFoods Ltd, is running late for a delivery. While driving her company van, she speeds through a red light and crashes into another car, injuring the driver.

Who is most likely to be held vicariously liable?
A) Sarah, as she was driving the van
B) FreshFoods Ltd, since Sarah was working at the time
C) The injured driver, for being in the wrong place
D) The van manufacturer, for making the vehicle

A

B) FreshFoods Ltd, since Sarah was working at the time

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25
Q

Mark, an IT technician, is asked by his employer to deliver some urgent equipment to a client. Since the company’s delivery vehicle is unavailable, he uses his own car. On the way, he causes an accident, injuring a pedestrian.

Who is most likely to cover the claim?
A) The employer’s liability insurer
B) Mark’s motor insurer
C) The client receiving the equipment
D) The pedestrian’s own insurance

A

B) Mark’s motor insurer

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26
Q

Lucy, a supermarket employee, gets into an argument with a customer and physically assaults them while on duty. The customer sues for personal injury.

Is the employer likely to be vicariously liable?
A) Yes, because Lucy was working at the time
B) No, because assault is not part of her job role
C) Yes, because all employees’ actions are the employer’s responsibility
D) No, because the customer should have avoided the argument

A

B) No, because assault is not part of her job role

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27
Q

John, a construction worker, is operating a company-owned digger when he accidentally damages underground cables, causing a power outage. The local council sues for damages.

Who is most likely to be held liable?
A) John personally
B) The employer, as John was using company equipment for work
C) The council, for not marking underground cables
D) The digger manufacturer

A

B) The employer, as John was using company equipment for work

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28
Q

A delivery driver employed by a logistics company falls asleep at the wheel after working excessively long hours. He crashes into another vehicle, causing fatal injuries.

Which legislation could hold the employer responsible?
A) Road Traffic Act 1988
B) Health and Safety at Work etc. Act 1974
C) Consumer Rights Act 2015
D) Data Protection Act 2018

A

B) Health and Safety at Work etc. Act 1974

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29
Q

A large construction company ignores repeated warnings about unsafe loading procedures for its vehicles. A heavy load falls from a truck and kills a bystander.

Under which law could the company itself be prosecuted for the fatality?
A) Employers’ Liability (Compulsory Insurance) Act 1969
B) Corporate Manslaughter and Corporate Homicide Act 2007
C) Road Traffic Act 1988
D) Motor Insurers’ Bureau Regulations

A

Corporate Manslaughter and Corporate Homicide Act 2007

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30
Q

A company regularly requires employees to drive long distances without breaks. An employee, suffering from fatigue, crashes and sustains serious injuries.

What key employer responsibility has been breached?
A) Ensuring the employee has valid car insurance
B) Providing company vehicles with air conditioning
C) Managing driver fatigue under health and safety laws
D) Ensuring the employee has a valid driving license

A

C) Managing driver fatigue under health and safety laws

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31
Q

A small company director is convicted after an employee is killed due to unsafe working conditions. Previously, only small firms faced such prosecutions.

Which law expanded liability to large company directors?
A) Health and Safety at Work etc. Act 1974
B) Corporate Manslaughter and Corporate Homicide Act 2007
C) Road Traffic Act 1988
D) Enterprise Act 2002

A

B) Corporate Manslaughter and Corporate Homicide Act 2007

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32
Q

Tom is riding his motorcycle when a car pulls out in front of him, causing a crash. The driver is fully responsible for the accident, but Tom was not wearing a helmet and suffered more severe head injuries than he would have otherwise.

What is the likely legal outcome?
A) The driver is fully liable, and Tom receives full compensation
B) Tom is fully liable because he wasn’t wearing a helmet
C) The driver is liable for the accident, but Tom’s damages may be reduced for contributory negligence
D) Tom cannot claim anything since helmets are legally required

A

C) The driver is liable for the accident, but Tom’s damages may be reduced for contributory negligence

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33
Q

A cyclist swerves recklessly into the path of a vehicle and is hit. The driver had no time to react. The cyclist was not wearing a helmet.

Which of the following is most likely?
A) The driver is fully liable, as they were operating a motor vehicle
B) The cyclist is contributorily negligent due to reckless riding
C) The cyclist is not responsible at all, as helmets are not legally required
D) The driver and cyclist share equal blame

A

B) The cyclist is contributorily negligent due to reckless riding

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34
Q

John was injured in a car accident on 1st March 2020. He wants to file a claim for personal injury.

By what date must he start legal proceedings under the Limitation Act 1980?
A) 1st March 2023
B) 1st March 2026
C) 1st March 2030
D) There is no time limit for personal injury claims

A

A) 1st March 2023

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35
Q

A 12-year-old child is injured in a road accident but does not file a claim immediately.

When does their three-year limitation period begin?
A) Immediately after the accident
B) When they turn 18
C) When they turn 21
D) It depends on whether they suffered a serious injury

A

B) When they turn 18

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36
Q

A person suffers a head injury in a car accident and falls into a coma for five years. They later wake up and want to make a claim for personal injury.

When does their limitation period start?
A) From the date of the accident
B) From the date they wake up
C) From the date they were discharged from the hospital
D) They cannot claim due to the time elapsed

A

B) From the date they wake up

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37
Q

A property owner discovers structural damage caused by a defective roadworks project eight years after the work was completed.

Under the Latent Damage Act 1986, how much longer do they have to bring a claim?
A) No additional time, the six-year limit applies
B) Three additional years from discovery, but no more than 15 years from the cause
C) Ten additional years from discovery
D) An unlimited period if the damage was hidden

A

B) Three additional years from discovery, but no more than 15 years from the cause

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38
Q

A driver crashes into a parked car, causing damage. The owner wants to sue for trespass to goods.

Will the claim succeed?
A) Yes, because the driver damaged the car
B) No, unless the damage was intentional
C) Yes, because trespass to goods always applies to property damage
D) No, because there is no such thing as trespass to goods

A

B) No, unless the damage was intentional

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39
Q

A driver accidentally swerves off the road and onto private land, damaging a fence.

Which legal principle applies?
A) Trespass to land, as the driver entered without permission
B) Negligence, unless the driver intentionally entered the land
C) Both trespass and negligence apply equally
D) Neither, as it was an accident

A

B) Negligence, unless the driver intentionally entered the land

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40
Q

A motorist deliberately rams another car in a fit of road rage.

Which legal principle is most applicable?
A) Negligence
B) Trespass to goods
C) Contributory negligence
D) Corporate liability

A

B) Trespass to goods

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41
Q

A claimant wants to sue a driver for running over their foot four years ago. They missed the three-year deadline for negligence claims.

Can they use trespass instead?
A) Yes, because trespass has a six-year limitation period
B) No, because negligence, not trespass, applies to motor claims
C) Yes, but only if they can prove the driver intended to harm them
D) No, because trespass does not apply to personal injury claims

A

B) No, because negligence, not trespass, applies to motor claims

42
Q

A car is left parked on a busy street for several days, obstructing traffic flow. A passerby wants to sue the car owner for nuisance.

What must the passerby prove for a claim of private nuisance to succeed?
A) The car owner’s negligence in parking
B) That the inconvenience caused was greater than what the public experienced
C) The car was parked illegally
D) The car owner intended to cause obstruction

A

B) That the inconvenience caused was greater than what the public experienced

43
Q

A vehicle breaks down and is left on a dark road at night with its lights out, creating a hazard for passing motorists.

What is the most likely outcome under nuisance law?
A) The owner will be found liable for public nuisance, as the vehicle is a hazard
B) The owner will be found liable for private nuisance, as the vehicle causes significant harm to individuals
C) There is no liability unless there was intentional harm caused
D) The owner will not be liable, as there is no fault on their part

A

D) The owner will not be liable, as there is no fault on their part

44
Q

A person is suing for nuisance because a car has been parked on their property, blocking their driveway for an extended period.

Which form of nuisance is most applicable?
A) Public nuisance
B) Private nuisance
C) Negligence
D) Trespass to land

A

B) Private nuisance

45
Q

A truck is left in a precarious position on a quiet country road overnight, causing a near accident. The truck’s lights are functioning but are poorly positioned.

Which of the following best describes the situation?
A) This could constitute private nuisance, as the truck blocks the road and creates a hazard
B) This is a case of public nuisance, as the truck affects the general public
C) This is an example of trespass to land
D) The truck owner is liable for negligence, not nuisance

A

A) This could constitute private nuisance, as the truck blocks the road and creates a hazard

46
Q

A driver is injured in a self-driving vehicle operating in autonomous mode at the time of the accident.

What can the driver do?
A) Make a claim against the vehicle manufacturer or software developer
B) Claim compensation from the motor insurer as if they were a passenger
C) Only claim from the other driver’s insurance
D) No claim, as autonomous mode removes any liability

A

B) Claim compensation from the motor insurer as if they were a passenger

47
Q

A high-value 4x4 vehicle is stolen to order, with the thief using stealth to obtain the keys from the owner’s house.

What type of theft is this an example of?
A) Keyless theft
B) Vehicle hijacking
C) Theft by deception
D) Theft by known individual

A

B) Vehicle hijacking

48
Q

A vehicle is stolen, and the thief uses an impostor as a car park attendant to trick the owner into handing over the keys.

What type of theft is this an example of?
A) Keyless theft
B) Vehicle hijacking
C) Theft by deception
D) Theft from vehicle

A

C) Theft by deception

49
Q

A vehicle is left unlocked overnight and is subsequently stolen.

What is the most likely cause of this theft?
A) Keyless hacking
B) Theft by deception
C) Theft from unlocked vehicle
D) Vehicle hijacking

A

C) Theft from unlocked vehicle

50
Q

A person’s family member takes their vehicle without permission but has no intention of permanently depriving the owner of it.

How is this theft categorized?
A) Theft by known individual
B) Theft by deception
C) Vehicle hijacking
D) Keyless theft

A

A) Theft by known individual

51
Q

A motorcyclist is injured when cattle escape from a field and stray onto the highway. The gate was left open by a walker.

Who is likely to be held liable for the accident?
A) The motorcyclist
B) The walker who left the gate open
C) The farmer who owned the cattle
D) The local authorities

A

C) The farmer who owned the cattle

52
Q

A motorist’s car is damaged after hitting a pothole on a local road. The road authority had not conducted an inspection in several months.

Who might be held responsible for the damage caused by the pothole?
A) The motorist who failed to avoid the pothole
B) The highway authority responsible for maintaining the road
C) The manufacturer of the vehicle
D) The local council for not gritting the road

A

B) The highway authority responsible for maintaining the road

53
Q

During a riot in a major city, a motor vehicle parked on a public street is set on fire. The vehicle’s insurance policy excludes riot damage.

Under the Riot Compensation Act 2016, what is the claim scenario for the vehicle owner?
A) The vehicle owner is fully compensated regardless of insurance coverage
B) The vehicle owner can claim compensation only if the vehicle was stored in a garage
C) The vehicle owner can claim compensation only if the insurance does not cover riot damage
D) The vehicle owner cannot claim compensation under the Act

A

C) The vehicle owner can claim compensation only if the insurance does not cover riot damage

54
Q

A motor vehicle, part of a dealer’s stock in trade, is destroyed during a riot while parked on the dealer’s premises. The dealer’s insurance does not cover riot damage.

What is the claim scenario under the Riot Compensation Act 2016?
A) No compensation is available since the vehicle is part of stock in trade
B) The dealer is entitled to compensation regardless of insurance coverage
C) The dealer can claim compensation but only if the vehicle was on the public highway
D) The dealer can claim compensation only if the vehicle was destroyed in a building

A

B) The dealer is entitled to compensation regardless of insurance coverage

55
Q

A person’s car is vandalized during a riot, and the damage is not covered by their insurance. The car was parked on the driveway, not in a garage or building.

Can the vehicle owner claim compensation under the Riot Compensation Act 2016?
A) Yes, if the damage occurred within the premises
B) Yes, since riot damage is always covered
C) No, because the vehicle was not within a building
D) No, the Act does not cover motor vehicle damage under any circumstances

A

C) No, because the vehicle was not within a building

56
Q

A vehicle is stolen and used by terrorists in an attack, injuring several pedestrians in a public area. The victims are seeking compensation for their injuries.

Which entity is primarily responsible for handling these claims in the UK?
A) The vehicle’s insurer alone
B) The Criminal Injuries Compensation Authority
C) The Motor Insurers’ Bureau (MIB)
D) The government

A

C) The Motor Insurers’ Bureau (MIB)

57
Q

A terrorist uses a rented van to carry out an attack on pedestrians, resulting in serious injuries. The incident falls under the mutualisation agreement that began on 1 January 2019.

What is the primary benefit of this agreement for insurers?
A) It eliminates the need for compensation claims
B) It prevents insurers from facing the full cost of large claims individually
C) It provides unlimited compensation for victims of terrorism
D) It allows insurers to ignore terrorism-related claims

A

B) It prevents insurers from facing the full cost of large claims individually

58
Q

A vehicle is used by a terrorist in an attack, but the insurer of the vehicle has gone bankrupt. What happens under the new arrangement that started in 2019?
A) The victims will not be compensated
B) The costs will be shared between UK motor insurers, including the MIB
C) The UK government will fully compensate the victims
D) The insurer’s creditors will cover the costs

A

B) The costs will be shared between UK motor insurers, including the MIB

59
Q

A vehicle is damaged due to a falling chimney caused by an earthquake in the UK. The vehicle was parked outside a residential property.

Which type of insurance would most likely cover the damage to the vehicle?
A) Motor insurance
B) Household insurance
C) Earthquake insurance
D) Public liability insurance

A

B) Household insurance

60
Q

A UK earthquake causes minor structural damage to homes and vehicles, with chimneys toppling onto parked cars. A motor insurance policy excludes earthquake damage.

What is most likely the reason for this exclusion in the motor policy?
A) Earthquakes are considered a fundamental risk.
B) Earthquakes are covered under a separate policy.
C) Motor insurance only covers weather-related risks.
D) Earthquake damage is not a concern for motor insurers.

A

A) Earthquakes are considered a fundamental risk.

61
Q

If two vehicles are each insured for six months, how many vehicle years do they account for?
A) One vehicle year.
B) Two vehicle years.
C) Three vehicle years.
D) Six vehicle years.

A

A) One vehicle year.

62
Q

Recent trends show a reduction in accidents leading to claims, but an increase in the number of claimants per accident. What is one possible explanation for this trend?
A) Improved accident prevention measures.
B) Higher number of minor injury claims.
C) Decreased fraudulent claims.
D) Lower number of claims due to fewer accidents.

A

B) Higher number of minor injury claims.

63
Q

The total cost of claims in a particular year is £500,000, with 200 claims made.

Question: What is the average claims cost for this year?

A

Average Claims Cost = Total Claims Cost / Number of Claims
= £500,000 / 200
= £2,500

64
Q

A fleet of vehicles has 1,000 vehicle years in total. There are 150 claims during the year.

Question: What is the claims frequency for this fleet?

A

Claims Frequency = Number of Claims / Vehicle Years
= 150 / 1,000
= 15% (This means 15% of vehicle years had a claim)

65
Q

A private car insurer has a total of £2,000,000 in claims costs for 500 claims.

Question: Calculate the average claims cost per claim.

A

Average Claims Cost = Total Claims Cost / Number of Claims
= £2,000,000 / 500
= £4,000

66
Q

A motor insurance company receives a total of £1,200,000 in claims costs from 600 claims over the course of the year.

Question: What is the average claim cost for this set of claims?

A

Average Claims Cost = Total Claims Cost / Number of Claims
= £1,200,000 / 600
= £2,000

67
Q

A fleet of 200 vehicles is insured for the year. 40 accidents occur during the year, and the insurer paid £100,000 in claims.

Question: Calculate the frequency of claims for the fleet.

A

Claims Frequency = Number of Claims / Vehicle Years
= 40 / 200
= 20% (This means 20% of the vehicles experienced a claim during the year)

68
Q

A company insures properties against flood risks. There’s a rare flood every 20 years causing major damage, costing £10 million in claims.
Question: How would you categorize this risk in terms of frequency and severity?

A) Low Frequency, High Severity
B) High Frequency, Low Severity
C) High Frequency, High Severity
D) Low Frequency, Low Severity

A

A) Low Frequency, High Severity

69
Q

A car insurance company processes 15,000 glass claims annually, each costing £200 for a windscreen replacement.
Question: How would you categorize this risk in terms of frequency and severity?

A) Low Frequency, High Severity
B) High Frequency, Low Severity
C) High Frequency, High Severity
D) Low Frequency, Low Severity

A

B) High Frequency, Low Severity

70
Q

The rise in motor vehicle ownership after World War I created the need for laws to protect other road users.
Question: Which of the following Acts introduced compulsory motor insurance for the first time?

A) The Road Traffic Act 1988
B) The Road Traffic Act 1930
C) The Road Traffic Act 1865
D) The Internal Combustion Engine Act

A

B) The Road Traffic Act 1930

71
Q

Following a surge in vehicle ownership after World War I, road traffic legislation evolved.
Question: Which of the following acts serves as the latest consolidated version of road traffic law?

A) The Road Traffic Act 1900
B) The Road Traffic Act 1930
C) The Road Traffic Act 1988
D) The Motor Insurance Act 1988

A

The Road Traffic Act 1988

72
Q

After a motor accident caused by negligence, the responsible driver is held liable for damages.
Question: Under which type of law is the negligent driver held responsible for compensating the victims of the accident?

A) Criminal law
B) Civil law
C) Tort law
D) Both A and B

A

B) Civil law

73
Q

A driver is caught driving recklessly and causing an accident. They face fines and a possible driving ban.
Question: Under which type of law is the driver punished with fines and a driving suspension?

A) Civil law
B) Contract law
C) Criminal law
D) Employment law

A

Answer:
C) Criminal law

74
Q

After a serious motor accident, the negligent driver faces both civil compensation for damages and criminal prosecution.
Question: What could result from a criminal prosecution for driving negligently?

A) Compensation for victims
B) Imprisonment
C) Injunctions
D) Damages paid to the driver

A

B) Imprisonment

75
Q

A driver’s negligence causes harm to another vehicle and its passengers.
Question: If Driver A is held responsible for the damages in a motor accident, which type of law governs their liability for the damages to the other vehicle and passengers?

A) Contract law
B) Civil law (tort)
C) Criminal law
D) Insurance law

A

B) Civil law (tort)

76
Q

A driver is required to have compulsory insurance under the Road Traffic Act.
Question: Which part of the Road Traffic Act specifically addresses third-party liabilities and compulsory insurance requirements?

A) Part I
B) Part III
C) Part VI
D) Part VII

A

C) Part VI

77
Q

A vehicle’s construction and the equipment it uses are regulated by the RTA.
Question: Which part of the Road Traffic Act deals with the construction and use of vehicles and equipment?

A) Part II
B) Part I
C) Part IV
D) Part V

A

A) Part II

78
Q

A new driver is undergoing training and instruction.
Question: Which part of the Road Traffic Act governs driving instruction?

A) Part III
B) Part V
C) Part IV
D) Part VII

79
Q

A driver holds a license for a heavy goods vehicle.
Question: Which part of the Road Traffic Act covers the licensing of drivers of heavy goods vehicles?

A) Part IV
B) Part I
C) Part II
D) Part VI

A

A) Part IV

80
Q

A driver is legally liable for an accident and is ordered by the court to pay compensation.
Question: What happens if the damages awarded by the court are not paid?

A) The case is dismissed
B) The judgment is considered “unsatisfied”
C) The driver faces automatic imprisonment
D) The case is reopened in court

A

B) The judgment is considered “unsatisfied”

81
Q

A vehicle owner is concerned about their legal obligations to insure against third-party risks.
Question: Which part of the Road Traffic Act addresses compulsory insurance for third-party liabilities?

A) Part IV
B) Part VI
C) Part II
D) Part III

A

B) Part VI

82
Q

A claimant successfully sues a driver for injury caused by negligence.
Question: What does it mean if a judgment is described as “unsatisfied”?

A) The defendant is in prison
B) The claimant has received the full compensation
C) The defendant has not yet paid the ordered damages
D) The judgment has been appealed

A

C) The defendant has not yet paid the ordered damages

83
Q

A legal action is taken against a driver, and the court rules that they must compensate the claimant for damage caused.
Question: Which of the following would a court do if it finds the driver liable?

A) Order the driver to pay damages to the claimant
B) Issue a license suspension
C) Impose a fine only
D) Cancel the driver’s insurance policy

A

A) Order the driver to pay damages to the claimant

84
Q

A UK-based driver is traveling to Spain within the EU.
Question: What was the main change after Brexit regarding insurance checks when traveling between the UK and EU?

A) Insurance checks were abolished completely.
B) UK drivers were subject to insurance checks at frontiers again, and the Green Card requirement was reintroduced.
C) UK drivers no longer required insurance.
D) UK drivers could travel without any insurance documentation.

A

B) UK drivers were subject to insurance checks at frontiers again, and the Green Card requirement was reintroduced.

85
Q

A UK driver is taking their car to France.
Question: What must the vehicle display when traveling abroad, following the changes after Brexit?

A) A ‘GB’ identifier on the number plate.
B) A ‘UK’ identifier, either as a sticker or with the UK initials and Union flag incorporated.
C) No identifier is necessary.
D) A ‘EU’ identifier.

A

B) A ‘UK’ identifier, either as a sticker or with the UK initials and Union flag incorporated.

86
Q

A UK driver is traveling to a non-EU country.
Question: What is required for UK drivers when traveling outside the EU or to non-EU countries subscribing to the EU Motor Insurance Directives?

A) Green Cards are no longer needed.
B) Green Cards are needed for travel within the EU.
C) Green Cards remain necessary for travel outside the EU and in non-EU states subscribing to the EU Directives.
D) No insurance documents are required.

A

C) Green Cards remain necessary for travel outside the EU and in non-EU states subscribing to the EU Directives.

87
Q

A UK driver is driving within the EU.
Question: What change occurred with the First Motor Directive after the UK’s exit from the EU?

A) UK drivers could continue driving without insurance checks.
B) The Green Card requirement was permanently abolished.
C) Insurance checks at frontiers were reintroduced, and Green Cards were reintroduced for travel outside the UK.
D) UK drivers were no longer required to have insurance for foreign travel.

A

C) Insurance checks at frontiers were reintroduced, and Green Cards were reintroduced for travel outside the UK.

88
Q

A UK driver has a policy that includes death and bodily injury coverage but limits property damage cover to the legal minimum required by UK law.
Question: What was the main change introduced by the Second Motor Directive (1984) in relation to third-party property damage coverage?

A) Death and bodily injury cover became compulsory.
B) Third-party property damage (TPPD) cover became compulsory, with a minimum requirement of £250,000.
C) Liability for death and bodily injury became unlimited.
D) The RTA was amended to limit property damage cover to £250,000.

A

B) Third-party property damage (TPPD) cover became compulsory, with a minimum requirement of £250,000.

89
Q

A UK policyholder’s insurance covers death, bodily injury, and property damage above the minimum required amount.
Question: According to the Second Motor Directive (1984), what was the minimum amount of coverage required for third-party property damage (TPPD)?

A) £100,000
B) £250,000
C) £500,000
D) £1 million

A

B) £250,000

90
Q

A driver is involved in an accident caused by an uninsured vehicle.
Question: According to the Second Motor Directive (1984), what fund was established to cover injury and property damage claims caused by uninsured or unidentified vehicles?

A) The European Motor Insurance Fund
B) The Guarantee Fund
C) The Uninsured Claims Fund
D) The Motor Insurers’ Bureau (MIB)

A

B) The Guarantee Fund

91
Q

A driver is using their vehicle for an unlicensed activity, such as racing.
Question: How does the Second Motor Directive (1984) impact the compulsory insurance requirement?

A) The requirement for insurance only applies if the vehicle is used for commercial purposes.
B) The insurance requirement applies regardless of the driver’s license status or the purpose of the vehicle.
C) The requirement only applies to drivers with a valid driver’s license.
D) The insurance requirement only applies to personal vehicles.

A

B) The insurance requirement applies regardless of the driver’s license status or the purpose of the vehicle.

92
Q

A passenger is injured while traveling in a vehicle, and the accident occurred while the vehicle was being used on the road.
Question: According to the Third Motor Directive (1990), which type of liability insurance must be included in motor policies?

A) Liability for damage to third-party property
B) Liability for injury to passengers
C) Liability for injuries to pedestrians
D) Liability for theft of the vehicle

A

B) Liability for injury to passengers

93
Q

A UK motorist is involved in an accident in another EU country and the insurer of the responsible vehicle cannot be identified within two months.
Question: According to the Fourth Motor Directive (2000), who takes over the claim?

A) The insurer of the responsible vehicle.
B) The Motor Insurers’ Bureau (MIB).
C) The local police in the EU country.
D) The government of the EU country where the accident occurred.

A

B) The Motor Insurers’ Bureau (MIB).

94
Q

Scenario: A victim of an accident in a foreign EU state has not received a response from the insurer after three months.
Question: What right does the victim now have according to the Fourth Motor Directive (2000)?

A) The victim can appeal to the EU Parliament.
B) The victim can take direct legal action against the insurer or Compensation Body in their own country.
C) The victim can only seek compensation from the insurance company in the EU state where the accident occurred.
D) The victim must wait for another six months before taking action.

A

B) The victim can take direct legal action against the insurer or Compensation Body in their own country.

95
Q

After Brexit, a UK motorist is involved in an accident in an EU country with an uninsured driver.
Question: Under the new arrangement following Brexit, who is responsible for compensation if the MIB and the EU country have signed a reciprocal agreement?

A) The MIB will continue to handle the claim in the UK.
B) The claimant must now take the case to court in the UK.
C) The MIB and the EU Compensation Body will both work together to compensate the victim.
D) Compensation will not be provided in this case.

A

C) The MIB and the EU Compensation Body will both work together to compensate the victim.

96
Q

A UK resident is involved in an accident in an EU country without a reciprocal agreement in place.
Question: What is the most likely situation regarding compensation?

A) The UK resident cannot claim compensation.
B) The UK resident can claim compensation but must do so under the laws of the EU country where the accident occurred.
C) The UK resident can only claim compensation from the UK government.
D) The UK resident can claim compensation from the MIB, regardless of the country.

A

B) The UK resident can claim compensation but must do so under the laws of the EU country where the accident occurred.

97
Q

Under the D2E Fifth Motor Directive, how should Sarah’s property damage claim be handled if the at-fault driver is identified but their vehicle is uninsured?

A) Sarah can claim compensation for property damage, but an excess will apply.
B) Sarah can claim compensation for property damage with no excess, as the at-fault driver is identified.
C) Sarah cannot claim compensation for property damage since the at-fault vehicle was uninsured.
D) Sarah can only claim for property damage if the at-fault vehicle was identified as uninsured.

A

B) Sarah can claim compensation for property damage with no excess, as the at-fault driver is identified.

98
Q

What right does Sarah, a UK resident, have under the directive regarding her claim after an accident in France?

A) She can only claim compensation for personal injuries, not for property damage.
B) She can directly file a claim against the insurer of the at-fault driver.
C) She must go through the French insurance system for compensation.
D) She has the same direct right of action against the insurer as a French resident.

A

D) She has the same direct right of action against the insurer as a French resident.

99
Q

Sarah’s car was imported from Germany. How does the directive affect her situation regarding temporary coverage?

A) She needs to purchase separate insurance in France since her car was imported.
B) Sarah’s UK insurer is obligated to cover her for up to 30 days after the car’s arrival in France.
C) Sarah’s insurance is only valid in Germany, and she cannot use it in France.
D) She must register her car in France for insurance coverage.

A

B) Sarah’s UK insurer is obligated to cover her for up to 30 days after the car’s arrival in France.

100
Q

What was the main purpose of the Sixth Motor Directive (Codified Directive) introduced in October 2009?

A) To introduce new regulations regarding insurance claims.
B) To replace the previous five Motor Directives without changing their content.
C) To increase the liability limits for property damage.
D) To limit the types of vehicles covered under the directive.

A

To replace the previous five Motor Directives without changing their content.