CII IF6 Chapter 2 Flashcards
What is the maximum claim amount on a household buildings policy for damage caused when gaining access to the home to deal with an emergency?
£1000
The liability cover under a household policy is for legal liability only. This usually means that:
a.
the insured must have breached the terms of a contract.
b.
the insured must have carried out a deliberate act.
c.
there must have been a breach of a piece of legislation by the insured.
d.
there must have been some negligence or fault by the insured.
d. There must be some form of negligence or faut by the insured
The subsidence peril under a household buildings policy EXCLUDES damage:
a.
caused by frost.
b.
when the property is unoccupied or unfurnished.
c.
caused by normal shrinkage or settlement.
d.
to fixtures and fittings.
c. caused by normal shrinkage or settlement.
The buildings section of a household buildings policy would normally include:
a.
carpets.
b.
outdoor furniture.
c.
contents within the building.
d.
fixtures and fittings.
d. fixtures and fittings.
The exclusion to a household policy for ‘property held or used primarily for business purposes’ would usually be qualified to include cover for:
a.
kitchen equipment used by Bethan in connection with the cake decorating business she runs from home.
b.
stock kept at home by Richard in connection with his woodworking business.
c.
a company laptop occasionally brought home to work by Samira who is employed as a marketing assistant
d.
a PC used by Bob who works from home as a self-employed accountant.
d.
a PC used by Bob who works from home as a self-employed accountant.
The rising up of the ground after the moisture content increases is a description of:
a.
landslip.
b.
ground heave.
c.
subsidence.
d.
erosion.
b. ground heave
When does the cover apply for accidental damage to contents during household removal?
a.
When contents are put into temporary storage for up to 21 days.
b.
Only for valuable items that are individually worth less than £1,500.
c.
Where professional removal contractors are used.
d.
Where the insured has packed all items for removal personally.
c.
Where professional removal contractors are used.
A water tank leaks and the escaping water causes damage to the ceiling, fitted units and carpet in the kitchen below. What would NOT be covered under a household buildings and contents policy?
a.
Replacing the kitchen units.
b.
Repairing the water tank.
c.
Redecorating the ceiling.
d.
Drying out the carpet.
b.
Repairing the water tank.
What is the maximum period that a household buildings policy will cover ground rent payable by the insured?
a.
Sixty days.
b.
One year.
c.
Two years.
d.
Thirty days.
c. Two years
Question text
Sarah has extended her household buildings policy to include full accidental damage cover. This includes cover for damage caused:
a.
by her dog scratching at an internal door.
b.
by dry rot in the roof timbers.
c.
by her husband drilling through a pipe.
d.
when making structural alterations to her home.
c.
by her husband drilling through a pipe.
Where does the liability cover under a household policy apply?
a.
EU only.
b.
UK and for temporary visits anywhere in Europe only.
c.
UK and for temporary visits anywhere in the rest of the world.
d.
UK only.
c.
UK and for temporary visits anywhere in the rest of the world.
The definition of ‘buildings’ in a household buildings policy includes:
a.
fitted carpets.
b.
septic tanks
c.
a garden office.
d.
garden ornaments.
b. septic tanks
The general exclusions to a household policy include:
a.
loss or damage caused by faulty workmanship, design or materials.
b.
damage when the property is unoccupied for more than a specified period of time.
c.
loss or damage when the house is let or sub-let.
d.
any loss or damage that happened before cover started.
d.
any loss or damage that happened before cover started.
What is an option for a typical insurer’s definition of a storm?
a.
A prolonged period of rainfall over at least 48 hours.
b.
A prolonged period of snowfall over at least 48 hours.
c.
The storm must be a ‘named storm’ by the Met Office.
d.
There must be wind speeds with gusts of at least 55mph.
d.
There must be wind speeds with gusts of at least 55mph.
Under a household buildings policy, the cost of removing fallen trees is only covered if the:
a.
tree is removed by an approved tree surgeon.
b.
tree was blown over in storm.
c.
tree was not suffering from any disease.
d.
buildings were also damaged when the tree fell.
d.
buildings were also damaged when the tree fell.
