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Question 0

Who is responsible for updating the motor insurance database?

Answer 0

The insurer.

Question 1

Where are insurance details of uk vehicles registered?

Answer 1

Motor insurance database.

Question 2

If an uninsured driver is in an accident, where can an injured third party get compensation?

Answer 2

Motor insurers bureau.

Question 3

For motorcycle insurance, what optional cover can you get to extend cover under a policy?

Answer 3

Motor recovery services.

Question 4

Comprehensive motorcycle policy? Covers you for legal costs for…

Answer 4

Manslaughter.

Question 5

Class of vehicle which may have driving other vehicles extension as standard?

Answer 5

Private car.

Question 6

How was RTA 1988 amended by RTA 1991?

Answer 6

Death by reckless driving replaced with other offences (replaced with death by dangerous driving and driving under drink/drugs).

Question 7

Under RTA 1988, amount of cover caused to third parties amount is?

Answer 7

Unlimited.

Question 8

Part 6 of RTA 1988?

Answer 8

Third party liabilities.

Question 9

Maximum period injured party to obtain insurance details from uk info centre?

Answer 9

7 years.

Question 10

3rd party act 1930?

Answer 10

Claim against insurer of bankrupt policyholder.

Question 11

As per ICOBS, records of insurance claims kept for how long?

Answer 11

3 years.

Question 12

Combined operating ratio?

Answer 12

Uses claims, commission and expenses.

Question 13

Claims cost per vehicle?

Answer 13

Claims total (paid AND outstanding) divided by number of vehicle years.

Question 14

Guaranteed no claims discount can be withdrawn?

Answer 14

Never.

Question 15

How many claims allowed for protected no claims discount?

Answer 15

2 in 5 years.

Question 16

How any days grace for commercial policy renewal?

Answer 16

None.

Question 17

What document normally included with private car renewal?

Answer 17

No claims discount confirmation.

Question 18

What is on Claims and Underwriting Exchange?

Answer 18

Details of personal injury, illness, household and motor claims.

Question 19

What info is specifically needed for a theft claim?

Answer 19

Crime Reference Number.

Question 20

Main role of motor engineer is to?

Answer 20

Agree costs with the repairer.

Question 21

Which source can an insurer use to help detect fraudulent claims?

Answer 21

MIAFTR.

Question 22

Who funds the Financial Services Compensation Scheme?

Answer 22

The insurers.

Question 23

RTA Part 1?

Answer 23

Principal road safety provisions - offences described.

Question 24

RTA Part 2?

Answer 24

Construction and use of vehicles and equipment.

Question 25

RTA Part 3?

Answer 25

Licensing of drivers - permitted ages and classes of vehicle.

Question 26

RTA Part 4?

Answer 26

Licensing of HGV drivers.

Question 27

RTA Part 5?

Answer 27

Driving instruction.

Question 28

RTA Part 6 (sections 143 - 158)?

Answer 28

Third party liabilities.

Question 29

RTA Part 7 (sections 165 - 194).

Answer 29

Miscellaneous and General.

Question 30

Section 143.

Answer 30

Offence of driving with no insurance.

Question 31

Section 144.

Answer 31

Alternative to insurance (deposit £500,000 with Accountant General).

Question 32

Section 145.

Answer 32

Insurers must be members of MIB and policy must operate throughout EU.

Question 33

Section 146.

Answer 33

Regulations for insurance alternatives.

Question 34

Section 147.

Answer 34

Delivery and surrender of insurance certificates.

Question 35

Section 148?

Answer 35

Policy restrictions that will have no effect on rights of third party victims to claim compensation.

Question 36

What are the policy restrictions as per section 148 of RTA which have no effect on third parties rights to compensation?

Answer 36

Condition of vehicle Number of persons vehicle can carry Weight/material of goods vehicle carries Time/area vehicle used Carrying on the vehicle of any means of identification The age/physical/mental condition of drivers Any particular apparatus vehicle is carrying Horsepower or cylinder capacity or value of the vehicle

Question 37

Section 153?

Answer 37

Persons dying or bankrupt do not lose rights under RTA.

Question 38

Section 165?

Answer 38

Police have power to require to see insurance certificate from a motorist. If they cannot, must go to police station within 7 days with it.

Question 39

Section 170?

Answer 39

Must stop if there is an accident.

Question 40

Section 171?

Answer 40

Must produce insurance certificate at scene of accident to show vehicle insured or not.

Question 41

Section 174?

Answer 41

Offence of withholding material information to gain certificates, licences or documents.