WAEC Insurance Past Questions & Answers - Page 17

81.
82.

The insurance professional who assist the third party to evaluate the extent of loss in a motor accident is

A.

a loss adjustor

B.

a loss assessor

C.

a consultant

D.

an investigator

Correct answer is B

A Loss Assessor is appointed by the policyholder when they need to submit a substantial or complex claim. All fees are paid by the Policy holder.

83.

An insurance policy is subject to a franchise of N115,000, how much would an insured who suffered of N120,000 recieve as compwnsation

A.

N5,000

B.

N115,000

C.

N120,000

D.

N235,000

Correct answer is A

No explanation has been provided for this answer.

84.

A general question in an insurance proposal form is

A.

name of the proposal

B.

carriage of fare-paying passenger

C.

description of the proposers' premises

D.

methods of construction

Correct answer is A

Proposal (application) forms are questionnaires issued by the insurer to be completed by the proposer or his/her agent, which ask questions about the subject matter of cover. Since the insurer will use the information to assess a premium and set the terms and conditions of the policy, the prospective insured must disclose all the material circumstances, whether or not the proposal form asks for them.