CII IF6 Chapter 3 Flashcards
How long will the personal possessions extension to a household policy usually include cover for items anywhere in the world outside the British Isles?
60 days
The definition of valuables under a personal possessions extension to a household policy would include a:
a. linen scarf.
b. handbag.
c. mobile phone.
d. hearing aid.
Mobile Phone
What would the personal possessions extension to a household policy cover?
a. Confiscation of a camera by customs officials.
b. Theft of a leather jacket left on the back seat of an empty car.
c. Loss of the deeds to the house.
d. Loss of a handbag snatched by a thief at a train station.
Loss of a handbag snatched by a thief at a train station.
What is typically the maximum limit on a claim for the unauthorised use of a credit card under an optional extension to a household policy?
a. £1,500.
b. £250.
c. £500.
d. £1,000.
£1,000
The definition of personal effects under the personal possessions extension to a household policy always includes:
a. clothing.
b. sports equipment.
c. musical instruments.
d. pedal cycles.
Clothing
The main purpose of extending a household policy to include personal possessions cover is to:
a. reduce the number of policy exclusions that apply.
b. avoid the need to specify high value items.
c. obtain cover for possessions regularly taken outside the home.
d. reduce the excess that the insured has to pay.
Obtain cover for possessions regularly taken outside the home
When making a claim under a typical home emergency extension on a household policy, the claim must NOT occur within:
a. 14 days of inception.
b. 28 days of inception.
c. 21 days of inception.
d. 7 days of inception.
14 days
The sum insured for unspecified items under the personal possessions extension to a household policy should represent the:
a. maximum value of all items worth less than the single article limit that will be away from the home at any one time.
b. maximum value of all items that will be taken outside the home at any one time.
c. highest value of any single item that is regularly taken outside the home.
d. total value of all items worth less than the single article limit that are regularly taken outside the home.
maximum value of all items worth less than the single article limit that will be away from the home at any one time.
Joel is a keen sportsperson and has extended his household policy to include cover for his sports equipment. What would this cover?
a. A camping stove.
b. A surfboard.
c. A hockey stick.
d. Skis.
A hockey Stick
The legal expenses extension to a household policy excludes losses that arise less than 90 days after inception in respect of:
a. motoring prosecutions.
b. employment disputes.
c. inheritance disputes.
d. tax inquiries.
Employee Disputes
