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Hello > Vehicle rating factors > Flashcards

Vehicle rating factors Flashcards

1
Q

What is the correct way in which vehicles are grouped?

A

From group 1-50. 1 being lowest risk and 50 the highest.

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2
Q

Why is engine size a critical rating factor?

A

The higher the engine size, the higher the premium.

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3
Q

How is engine size measured?

A

In Cubic Capacity (CC) or litres.

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4
Q

Is the premium cheaper in an older or a newer car? Why?

A

Older because it costs less to repair them than the newer ones.

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5
Q

What is the purchase date?

A

The date the customer bought the car OR if the date the customer took ownership of the car.

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6
Q

Why is purchase date important?

A

It indicates how experienced the customer is at driving this particular vehicle.

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7
Q

What is considered a modification?

A

Any change made to the car from standard manufacture.

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8
Q

What kind of modifications affect the premium?

A

Performance enhancing ones. Cosmetic extras do not add extra to the premium.

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9
Q

What are cosmetic modifications?

A

Modifications enhancing the appearance of the car.

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10
Q

What are performance enhancing modifications?

A

Anything that enhances the handling or speed of the car.

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11
Q

Which modifications need to be disclosed?

A

All of them but only performance enhancing affect the premium.

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12
Q

What do you need to do if the system gives a refer status due to a modification?

A

Contact IMS and look at their intranet for details they need.

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13
Q

When do you need to contact IMS about modifications?

A

if the system gives a refer status due to one or if the car has more than 3 modifications.

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14
Q

When do modifications not affect the premium?

A

When they are done due to a disability.

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15
Q

True of false: value of the car does not affect the premium

A

False

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16
Q

What are Q registration plates?

A

specially registered with DVLA

1) Kit Car
2) Previously registered to MOD (ministry of defence)
3) Structurally damaged in an accident
4) Imported from abroad

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17
Q

Do we cover Q plated cars?

A

No

18
Q

What are non standard cars?

A

Classic cars, mini buses, taxis, trucks, vans and motor homes.

19
Q

What are classic cars?

A

Collectors models, normally 15-20 years old that are insured for a guaranteed value.

20
Q

Do we cover classic cars?

A

No

21
Q

Do we cover non standard cars?

A

No, apart from motor homes and caravanettes IF you can find the exact model in our system.

22
Q

Which of the security systems do we need to know about?

A

All of them.

23
Q

What do we need to know about the security systems?

A

The exact make and model

24
Q

If the the customer is not sure of the exact make and model of their security systems, what do we need to do?

A

Not add it to the system

25
Q

Name the four types of security devices

A

Alarms, immobilisers, trackers, steering wheel lock

26
Q

Who need to install any after market security systems?

A

Any after market security system must have been installed by a member of the Vehicle Security Installation Board (VSIB) and we need to have a copy of the Security Fitment Certificate.

27
Q

What do we need to know about after market security systems?

A

They have been installed by a member of the Vehicle Security Installation Board (VSIB) and we need to have a copy of the Security Fitment Certificate. They also need to be approved by Thatcham.

28
Q

Who needs to approve the after market security systems.

A

Thatcham.

29
Q

What is VSIB short for?

A

Vehicle Security Installation Board

30
Q

Why is it important to have the registration number correct on the policy?

A

It is the law and needs to be shown on the certificate.

31
Q

What happens if a registration number is incorrect?

A

The customer may be fined up to £1000 or even have their car crushed.

32
Q

What happens when you enter the registration number into the system?

A

It brings up the make and model of the vehicle.

33
Q

How do you know what year a car was registered?

A

From the number plate

34
Q

What is the form of the plate for cars registered in 1962-1982?

A

ABC 123 D

35
Q

What is the form of the plate for cars registered in 1983-2001?

A

A 123 BCD

36
Q

What is the form of the plate for cars registered after 2001?

A

AB51 CDE

37
Q

When was this car registered BD51 SMR?

A

Sometime between Sept 1st and Feb 29th of 2001.

38
Q

When was this car registered BD61 SMR?

A

Sometime between Sept 1st and Feb 29th of 2011

39
Q

When was this car registered BD07 SMR?

A

Sometime between March 1st and August 31st of 2007

40
Q

When was this car registered BD15 SMR?

A

Sometime between March 1st and August 31st of 2015

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