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Under the Consumer Rights Act 2015. a clause in a household insurance policy may be considered unfair if it
The purpose of the EU solvency requirements for insurers and intermediaries is to
A risk control survey shows that premises proposed for insurance are in close proximity to a river with a history of flooding. The underwriter will consider this fact to be a
Barbara owns a factory employing 20 people. What insurance is she required to hold by law?
A broker collects premiums on behalf of an insurer and subsequently goes into liquidation. Various premiums are outstanding to the insurer, despite policyholders having paid the broker What action is the insurer most likely to take?
How does insurable interest arise, if at all. when an insurer arranges reinsurance?
When motor insurance is purchased directly with an insurer, what is usually the main disadvantage to the policyholder in the event of a claim compared to purchasing indirectly through a different marketing channel?
If a proposer has failed to fully answer a question on a proposal form, the insurer is deemed to have waived its rights to this information because it
Harry owns a sports car valued at £1.000 and agrees to sell it to Ben for £500. Ben discusses this with his solicitor who states the contract is
Which general rule does the Contracts (Rights of Third Parties) Act 1999 seek to modify?
A firm of insurance brokers holds client records on an index card system and does NOT intend to computerise this information. In what circumstances, if any, will these records be covered by the Data Protection Act 2018?
How do an insurer ' s subrogation rights differ, if at all, between a theft policy and a personal accident policy?
An insurance company has employed an individual from a rival firm to carry out a similar job. At which stage would the regulatory requirements for retaining training and competence records first apply to the new employee, if at all?
John and his wife arrange a household contents insurance policy in joint names with insurer A for a sum insured of £10,000. His wife arranges a second policy on the same basis with insurer B for a sum insured of £20,000. Both policies have identical terms and conditions. What is insurer A ' s liability if a valid claim of £3,000 is subsequently made?
If the amount to be paid in the event of a total loss of insured property is agreed between the proposer and the insurer at inception of the policy, this is a modification of the principle of
The requirement 10 notify the fitting of a more powerful engine under a motor insurance policy is an example of a policy wording modifying the principle of
Which professional body specialises in giving its members advice on the long-term management of assets and liabilities?
What is the legal standing of the Charioted Insurance Institute ' s Code of Ethics?
What is the principal reason for which a proposer is asked by the insurer whether his car will be driven by anyone else?
TESTED 02 May 2026