Chapter 3 mottorcycle Flashcards
What is a common difference between motorcycle policies and motor car policies?
A) Motorcycles usually have broader benefits, including comprehensive personal injury cover.
B) Motorcycle policies typically have fewer benefits, especially in terms of third-party liability and personal injury.
C) Motorcycle policies always have higher premiums than motor car policies.
D) Motorcycle policies include broader coverage for business use compared to motor car policies.
B) Motorcycle policies typically have fewer benefits, especially in terms of third-party liability and personal injury.
Which of the following is typically excluded from motorcycle policies?
A) Use in off-road events or competitions.
B) Use for social, domestic, and pleasure purposes.
C) Use by experienced riders.
D) Use for commuting to work.
A) Use in off-road events or competitions.
Why is personal injury coverage typically higher in motorcycle policies compared to motor car policies?
A) Motorcycles are considered safer than cars.
B) Riders are more exposed to injury in the event of an accident.
C) Motorcycle insurance is usually cheaper.
D) Car accidents result in more severe injuries.
B) Riders are more exposed to injury in the event of an accident.
What factor most likely influences higher premiums for motorcycle policies?
A) The motorcycle is used primarily for commuting.
B) The motorcycle is not used for racing or off-road events.
C) The rider is a young, inexperienced driver.
D) The motorcycle is insured for third-party, fire, and theft only.
C) The rider is a young, inexperienced driver.
What is typically required in a motorcycle policy for theft coverage to apply?
A) The motorcycle must be stored in a garage at night.
B) The motorcycle must be fitted with an immobilizer or alarm system.
C) The rider must be above 30 years of age.
D) The motorcycle must be insured for comprehensive coverage.
B) The motorcycle must be fitted with an immobilizer or alarm system.
Which of the following is usually excluded from a motorcycle policy under Class 1 or Class 2 business use?
A) Use for personal business activities by the rider.
B) Use for travelling to and from work.
C) Use in a traveling sales capacity.
D) Use for social and domestic purposes.
C) Use in a traveling sales capacity.
A 17-year-old rider is applying for motorcycle insurance. What is most likely to impact their premium?
A) The fact that the rider is under 25 years of age.
B) The fact that the rider is over 30 years of age.
C) The motorcycle is used for off-road events.
D) The rider is insured under a third-party, fire, and theft policy.
A) The fact that the rider is under 25 years of age.
Third Party Liability Coverage
Question: Which of the following statements is true regarding Third Party Liability in motorcycle policies?
A) Third-party cover applies to any driver, regardless of age or occupation.
B) The Driving Other Motorcycles (DOMC) cover applies universally across all engine sizes.
C) DOMC cover is limited to third-party only and is usually withheld for certain occupations or ages.
D) DOMC applies outside the home territorial limits (EU and Green Card countries).
C) DOMC cover is limited to third-party only and is usually withheld for certain occupations or ages.
In a standard motorcycle policy, which of the following is correct about accessories and spare parts?
A) Accessories are covered regardless of whether they are on the vehicle or not.
B) Accessories are only covered if they are on the vehicle and, in the case of theft, if they are stolen with the vehicle.
C) Accessories are covered as long as they are in the insured’s garage, regardless of whether the vehicle is stolen.
D) Accessories are excluded from the policy entirely.
B) Accessories are only covered if they are on the vehicle and, in the case of theft, if they are stolen with the vehicle.
What is typically excluded from a motorcycle policy regarding helmets and protective clothing?
A) Helmets and protective clothing are always covered under the policy.
B) Helmets and protective clothing are excluded, but additional cover may be available for damage at the same time as the vehicle.
C) Helmets and protective clothing are only covered in case of an accident.
D) Helmets are covered under the same terms as the motorcycle.
B) Helmets and protective clothing are excluded, but additional cover may be available for damage at the same time as the vehicle.
Which of the following is excluded from motorcycle policies under general exclusions?
A) Cover for motorcycles in the hands of a motor trade for overhaul or repair.
B) Cover for motorcycles while in the custody of a car parking service.
C) Both A and B are excluded.
D) Both A and B are included as standard coverage.
C) Both A and B are excluded.
What is the typical exclusion for business use in motorcycle policies?
A) Business use is allowed for any rider under any circumstances.
B) Business use is restricted to the policyholder or named persons and excludes the carriage of passengers for hire or reward.
C) Business use is allowed for any driver under the age of 25.
D) Business use applies only if the motorcycle is used for courier services.
B) Business use is restricted to the policyholder or named persons and excludes the carriage of passengers for hire or reward.
How is a sidecar treated in a motorcycle policy?
A) A sidecar is covered only if the vehicle is specifically declared and coverage is requested.
B) A sidecar is excluded from the policy regardless of its attachment to the vehicle.
C) A sidecar is covered only when the motorcycle is used for social, domestic, and pleasure purposes.
D) A sidecar is automatically covered without the need for declaration.
A) A sidecar is covered only if the vehicle is specifically declared and coverage is requested.
