RIBO Practice Exam Four Master Copied January 12 2025

Question 1 of 98

The insured leaves a bar, gets into his car in an intoxicated state and causes an accident on the way home causing damage to a telephone pole and a parked car. Which of the following would not be covered?

Collision damage to his car.

Damage to the telephone pole.

Damage to another automobile.

Medical and surgical expenses required as a result of injuries he sustains.

Question 2 of 98

Under the Commercial General Liability Policy which statement is true?

There is no limitation on how much can be paid out under this coverage.

Personal injury means Bodily Injury.

Each occurrence is the maximum that will be paid out for all occurrences.

Aggregate refers to maximum total amount that will be paid out for all occurrences.

Question 3 of 98

The Accident Benefits coverage of an automobile insurance policy does NOT pay for:

Dental work

Funerals

Loss of wages

Pain and suffering

Question 4 of 98

Which of the following theories help insurers determine probability of loss in the future?

Combination or risks theory

Law of large numbers theory

Theory of relativity

Theory of evolution

Question 5 of 98

Which of the following is a FALSE statement? In Canada, automobile insurance is marketed

by direct writing insurers through captive agents.

by reinsurers.

through crown corporations of provincial governments.

through independent agents selling on behalf of various insurers.

Question 6 of 98

Which of the following is a true statement?

Legal liability arises out of negligence.

The Third Party Liability coverage provides protection not only for the insured but also for anyone who drives or operates any part of the automobile without the insured's consent.

The Third Party Liability coverage provides protection only in cases where the third party is liable.

When a liability claim arises out of a collision between two automobiles, the onus of proof is upon the defendant.

Question 7 of 98

Which of the following is not a correct definition in the Homeowners Policy?

"Bodily Injury" means bodily injury, sickness or disease or resulting death.

"Business" means any continuous or regular pursuit undertaken for financial gain including a trade, profession or occupation

"Property Damage" means physical damage to, or destruction of intangible property.

"Business Property" means property on which a business is conducted, property rented in whole or part to others, or held for rental.

Question 8 of 98

The minimum limits under the Third Party Liability coverage are $200,000 in almost every Canadian province and territory except for this province

Alberta

British Columbia

Newfoundland

Quebec

Question 9 of 98

Authority of an insurance agent is

Given by the agent's contract with the insurer.

Granted to an agent by provincial statute.

The agent tells an insurance agent on each individual client.

Is assumed to be in place once licensed.

Question 10 of 98

Which of the following would be considered “Persons Insured” under Uninsured Automobile Coverage?

The owner of the uninsured automobile.

The spouse of the insured when hit by an uninsured vehicle while walking their dog.

Anyone who drives your vehicle.

All of the above.

Question 11 of 98

Which of the following is included under the Specified Perils section (Loss of or Damage to the Insured Automobile)?

A passing truck throws up a rock that shatters the insured automobile's windshield.

The insured automobile is being transported by rail from Toronto to Vancouver – the train is derailed and the automobile is demolished.

The undercarriage of the insured automobile hits the ground on a rough and rutted country road and the muffler is torn off.

Vandals slash the tires and scratch thepaint on the insured automobile.

Question 12 of 98

In the event your vehicle is stolen , a personal auto policy will provide coverage for transportation expenses up to what value?

500

700

900

The amount purchased by the client.

Question 13 of 98

The insured is doing a renovation to their home and need to move into a hotel while the home is under construction. The Comprehensive Homeowners Policy would pay

The amount stated in the policy for allowable renovations.

None of the expenses.

Normal living expenses.

A percentage of the expenses.

Question 14 of 98

Under third party liability coverage, the insured is entitled to:

Select their own legal counsel.

Claim for medical expenses if he is injured himself while on vacation.

All court costs over and above the policy limits.

Claim for medical expenses if he is injured himself while on premises.

Question 15 of 98

You have a Comprehensive Homeowners policy for $200,000 with a $250 deductible. Your home suffers a total loss, what would the insurer pay?

Your whole home suffers a total loss from fire, the insurer will pay $199,750

Your whole home suffers a total loss from an earthquake, the insurer will pay $199,750

Your whole home suffers a total loss from fire, the insurer will pay $200,000

Your whole home suffers a partial loss from a flood, the insurer will pay the loss up to $200,000

Question 16 of 98

Which of the following is correct with respect to condominium insurance?

The condo unit policy does not insure contents.

The condo unit policy has no provisions to insure the common elements of the building.

The condo corporation does not own the land where the building is located.

The condo unit owner owns the space inside the unit, contents and improvements and betterments made by the owner.

Question 17 of 98

You may be guilty of misrepresentation if you sign an automobile application and do not disclose the following:

You have a criminal record

You were found at fault for a serious accident 7 years ago

The automobile is used for delivering pizza in addition to being used for pleasure

You were convicted of speeding 30km over the limit 5 years ago

Question 18 of 98

Exclusions under all risk policies can be divided into several different groups. Which of the following is not one of these groups?

Wear and tear losses

Losses that are accidental

Perils that are generally not insurable

Perils or property that are covered under other specific policies

Question 19 of 98

An unidentified automobile is one

for which neither the owner or the driver has Liabilty insurance

Whose driver cannot be determined

Whose driver or owner cannot be determined

Where the VIN has been removed from the vehicle

Question 20 of 98

One of your commercial clients asks how he can keep his insurance premium down without jeopardizing coverage. What do you recommend?

Apply a co-insurance clause

Lower the policy limit

Implement loss prevention measures to reduce the risk such as an alarm system

Put a high deductible

Question 21 of 98

Which of the following type of insurance does not fall under “General Insurance”

Automobile Insurance

Life Insurance

Commercial Insurance

Liability Insurance

Question 22 of 98

Which of the following statements is true?

Mutual insurance companies are required to be licensed by RIBO.

A joint stock company is a profit making organization and is owned by its shareholders.

Lloyd's is a type of mutual insurance company.

A mutual insurance company does not rely on it's policyholders for the money to operate.

Question 23 of 98

Which of the following statements are correct with reinsurance?

Facultative reinsurance is an agreement between two reinsurers to exchange risk.

Proportional reinsurance provides for automatic reinsurance of all risks.

The amount one party reinsures with another party is called retention.

The amount one party reinsures with another party is called its cession.

Question 24 of 98

Which of these scenarios would not be covered under a Comprehensive Homeowners Policy?

The insured's tile floor is damaged when a fixture from the ceiling falls and cracks the tile.

An earthquake causes the insured house to collapse.

Pipes freeze and burst while the insured was away overnight.

The insured leaves the windows open while they go grocery shopping and during that time an unexpected storm comes and damages the wall and rug inside the home.

Question 25 of 98

Which of the following would not be considered to have a fiduciary duty?

Bankers

Lawyers

Accountants

Convenience Store Employee

Question 26 of 98

Under a personal article endorsement

Coverage is on a named perils basis

A deductible always applies unless it is fire or lightning

Newly acquired articles will automatically be covered up to $10,000 and 30 days.

Valuations will be required for the items to be insure for a value basis.

Question 27 of 98

What time of day does a fire policy expire?

12:01am standard time at the mailing address of the insurer

12:01am local time at the risk address shown on the policy

12:01pm local time at the risk address shown on the policy

12:01pm standard time at the mailing address of the insurer

Question 28 of 98

Claims-made general liability coverage does not apply to bodily injury or property damage that occurs when?

On the policy's retroactive date

Before the policy's retroactive date

After the policy's retroactive date

Before the effective date, if there is no retroactive date

Question 29 of 98

Insurance is a mechanism used to manage which of the following types of risk?

Pure Risk

Speculative Risk

Both pure risk and speculative risk

Neither pure nor speculative risks

Question 30 of 98

Which of the following could be covered under the Liability section of a named insured’s Personal Auto policy?

Injuries a named insured receives in a car accident

Injuries to a person struck by the named insured's auto

Injuries to a member of the named insured's family who was a passenger in the named insured's car when it overturned

Damage to personal property being transported when the car was involved in a collision

Question 31 of 98

The most common use of this policy is to facilitate filing proof of financial responsibility to obtain a driver’s license for commercial purposes.

OAP1 – Owners Automobile Policy

OAP2 – Driver's Automobile Policy

OAP4 – Garage Automobile Policy

None of the above

Question 32 of 98

Under liability insurance policies, what does the term “personal injury” usually mean?

Injury for such things as libel, slander, false arrest, or invasion of privacy

Only bodily injuries that are suffered by individuals

Any form of injury that affects a person, including bodily injury, property damage, financial injury, and damage to one's reputation

Injuries suffered by named insureds or family members who are insured under personal lines policies

Question 33 of 98

Liability coverage provides medical expense payments for accidental injuries if the expenses are incurred and reported to the insurer within what date?

Six months after the accident date

One year after the accident date

Two years after the accident date

Three years after the accident date

Question 34 of 98

Which of the following losses could be paid under Uninsured Motorists coverage?

Our insured drives the wrong way down a one-way street and collides with another car. Our insured is seriously injured. The driver of the other car has no Liability insurance.

Ella, the insured, is hit by a drunk driver who is uninsured. She is not injured, but her car is totaled.

Stefania, the insured, is injured when she is struck by a car that runs a red light. The driver has no Liability insurance.

Bernie, the insured, is on his way to work when his vehicle is rear-ended by a car that was following too closely. Bernie suffers a back injury. The driver of the other car carries the minimum amount of insurance required in the state.

Question 35 of 98

With respect to automobile insurance, the insurer can cancel for which reason(s)?

Non-payment of premium

The insured has given false particulars of the described automobile

The insured has knowingly misrepresented or failed to disclose any fact required

All of the above

Question 36 of 98

Which dwelling policy forms are named peril forms?

The Basic Form

The Broad Form

Both the Basic and the Broad Form have named perils

The Comprehensive Form

Question 37 of 98

Which of the following could not be covered under a homeowners policy?

A mobile home that is not permanently located

A single family home that is under construction

A home that is rented to another person

All of the above

Question 38 of 98

John works as a carpenter. If he were to bring his tools home one evening and they were stolen from the condo would coverage apply under the condo policy?

No the tools are business tools so there would be no coverage under the condo policy as they were in the vehicle not on the premises, however he could claim under his business policy.

No the tools are business tools so there would be no coverage under the condo policy.

Yes, even though the tools are business tools there would be coverage under the condo policy because they were on the premises when stolen.

Yes, even though the tools are business tools there would be coverage under the condo policy because they were on the premises when stolen. However, a special limit of insurance will apply.

Question 39 of 98

Under a personal auto policy, which of the following is not a collision loss?

Impact between a covered auto and a deer

Impact between a covered auto and a stationary object

Impact between a covered auto and another vehicle

Upset of a covered auto, resulting in damage

Question 40 of 98

Under the Homeowners Form, each of the following types of property would be insured under Coverage A (dwelling coverage) except which one?

A storage shed connected to the dwelling by a utility line

A laundry room attached to the dwelling

Building equipment and outdoor equipment

Materials and supplies used for construction or repair of the dwelling

Question 41 of 98

A contract is an agreement enforceable at law. Under common law, which 3 of the 5 conditions of a contract determine it’s enforceability:

Agreement, consideration and capacity to contract.

Consideration, capacity to contract and legality of purpose.

Agreement, genuine intentions and legality of purpose.

Genuine intentions, consideration and capacity to contract.

Question 42 of 98

Each and every automobile policy expires at the same time. What is that?

12:01 am standard time

12:01 am local time

12:01 pm standard time

12:01 pm local time

Question 43 of 98

The name of the coverage that provides legal liability insurance for damage to customers’ autos that are left with the insured for service, repair, or storage is which of the following?

The Garage Physical Damage Policy

Garagekeepers Coverage

Garage Liability

Garage Error's and Omissions

Question 44 of 98

On homeowners policies, “premises” is a broad term describing where liability coverages apply. It includes each of the following except which one?

Family cemetery plots

Any newly acquired premises

Structures on farm land owned by an insured

A non-owned premises used as a temporary residence by an insured

Question 45 of 98

Your client goes to Texas in the winter for 5 months. Would they be insured if while they were away and a pipe in the garage froze and burst?

No, the property is considered vacant.

No, the property is considered unoccupied therefore water damage does not apply.

Yes, only if the had someone check their property every day or they turned off the water supply before they left.

Yes, only if the had someone check their property every day and they turned off the water supply before they left.

Question 46 of 98

This type of loss is defined as a payment for loss or harm that is not assessable in money.

Pecuniary Loss

Non- Pecuniary Loss

Economic Loss

Punitive Loss

Question 47 of 98

Which of the following is not true about insurance binders?

Binders are only valid when issued in writing.

A binder issued by an agent is valid only if the agent has express authority to issue the binder.

Some insurers issue binders directly to let insureds know coverage is in effect until a policy is actually issued.

A binder is a temporary contract of insurance.

Question 48 of 98

The most common definition of actual cash value (ACV) in the property insurance field is which of the following?

Original cost, plus depreciation

Original cost, less depreciation

Replacement cost, plus depreciation

Replacement cost, less depreciation

Question 49 of 98

You lend your vehicle to a friend, that friend drinks and drives and causes an accident without your knowledge. How will your policy respond?

Your policy will deny coverage as you gave permission to your friend to drive so you accept responsibility.

Your policy will pay the damage to your vehicle and waive the right to subrogate because you provided permission.

Your policy will pay the damage to your vehicle and invoke the right to subrogate because your friend voided the policy terms.

None of the above are correct.

Question 50 of 98

The name of a liability insurance policy that provides high limits of coverage above underlying coverage and may fill a number of insurance gaps is

a CGL Policy

An Umbrella Policy

An Excess Policy

An E&O Policy

Question 51 of 98

The taking of money or other property from inside a premises by someone who has unlawfully and forcefully entered or exited is an example of what kind of crime?

Robbery

Burglary

Embezzlement

Safe Burglary

Question 52 of 98

Which of the following is correct:

Condominium unit owners must insure part of the common elements of the building.

Condominium unit owners own the space inside their units, their contents and any improvements brought or installed by themselves.

A condominium corporation never owns the land on which the building stands.

The condominium Unit Owners Package form foes not provide contents insurance.

Question 53 of 98

Specified perils under your personal automobile would cover:

Rising Water

Vandalism

Windshield Breakage

Collision with an animal

Question 54 of 98

Something that might increase the likelihood that a loss will occur, is called what ?

Peril

Hazard

Speculative Risk

Pure Risk

Question 55 of 98

Which method of risk management best describes the use of high deductibles or elements of self-insurance to reduce insurance costs?

Retention

Transfer

Avoidance

Reduction

Question 56 of 98

A comprehensive homeowners policy does not exclude:

Loss or damage to satellite receivers caused by windstorm or hail.

Loss or damage to animals caused by aircraft or land vehicles.

Loss or damage to building glass caused by birds.

Loss or damage to sporting equipment where the loss or damage is due to it's use.

Question 57 of 98

An employee who drives your car or someone where you service the vehicle damages it or steals it would be covered under:

Comprehensie

Collision or All Perils

Specified Perils

All Perils

Question 58 of 98

A homeowners policy is deemed vacant, and the client purchases a vacancy permit. Which peril is not covered under the vacancy permit?

Fire

Riot

Vandalism

Smoke

Question 59 of 98

Each of the following is true about farm coverages except which one?

Livestock and equipment may be insured.

Property and liability coverages may be included.

The principal residence may be covered by farm or homeowners forms.

Farm coverage may be written as a mono-line policy or part of a package.

Question 60 of 98

Who is the mortgagor?

Mortgagor is the lender who gives the loan to the mortgagee and receives the security interest in the property from the latter.

Mortgagor is the borrower who takes loan from the lender and pledges his property as a security for repayment.

The bank or caisse popular

None of the above

Question 61 of 98

A single earthquake means all earthquake shocks which occur within how many consecutive hours during the policy period?

24

48

84

168

Question 62 of 98

The only significant difference between the occurrence and claims-made forms of general liability insurance is found in which of the following?

The coverages provided by the policy

The policy exclusions

The "trigger," or the way in which coverage is activated under the policy

The policy's conditions

Question 63 of 98

Under which policy provision is an insured’s right to recover for a loss from a third party transferred to the insurance company?

Arbitration

Subrogation

Mediation

Notice

Question 64 of 98

Homeowners coverage for loss of personal property because of “mysterious disappearance” is provided by what?

All homeowners forms

Comprehensive Homeowners Forms

Personal Articles Coverage

Broad Homeowners Forms

Question 65 of 98

Under which type of marketing system do agents or agencies operate as independent businesses but agree to represent only one insurance company?

Direct writer system

Exclusive of captive agency system

Brokerage Office

Independent Agency System

Question 66 of 98

Which part of an insurance policy describes what property and/or perils will be covered by the contract?

Definitions

Exclusions

Insuring Agreement

Conditions

Question 67 of 98

In legal terms, the actions by one party might have the effect of giving up a known right. When this occurs, the party has created which of the following?

Waiver

Unilateral Contract

Warranty

Representation

Question 68 of 98

What is the consideration that an insurer gives to the insured under an insurance contract?

Stated benefits and the dates on which they are to be paid

The premium

A promise to pay for certain losses if they occur

A promise to be conscientious about the customer's situation

Question 69 of 98

Medical payments under a homeowners policy are available for expenses resulting from an injury to which of the following?

The named insured

A residence employee

A person who is on the insured location without permission

Any regular resident of the insured's household who pays rent

Question 70 of 98

Under liability insurance policies, what does an “aggregate limit” mean?

It is the single largest limit that applies when a loss is covered by two or more policies issued by the same insurer.

It is the maximum limit for each claim when multiple claimants are arising out of the same occurrence.

It is the most the insurer will pay for all losses during any one policy period.

It is the most the insurer will pay for any one incident.

Question 71 of 98

Which of the following describes the principle of indemnity?

After a loss, an insured should be restored to approximately the same condition that existed before the loss.

Every insured will receive full compensation for all losses in all cases.

When property is damaged or destroyed, the insurance company must pay the full replacement cost.

In the case of bodily injuries, liability coverage must be available without regard to any policy exclusions.

Question 72 of 98

Which of the following is not a requirement for forming a valid contract?

Consideration

Offer and Acceptance

Competent parties

Signatures of the parties involved

Question 73 of 98

With respect to the Rebuilding Clause – Deferred Payment on farm policies, the loss has to be built within:

100 feet

200 feet

300 feet

400 feet

Question 74 of 98

Under the dwelling property forms, personal property moved to a new principal residence will be automatically covered at the new location (subject to policy expiration) for a period of how long?

60 days

30 days

15 days

7 days

Question 75 of 98

Withholding, rather than misstating, a material fact on an insurance application is an act of which of the following?

Misrepresentation

Concealment

Waiver and Estoppel

Fraud

Question 76 of 98

Farm Machinery and Equipment Floaters cover all but one

All risk subject to policy conditions and exclusions

Canada and US coverage

Subject to 90% Co-insurance clause

For larger items, there is an unscheduled amount for miscellaneous small items, subject to a limit on any one item

Question 77 of 98

Most liability claims are based on negligence that results in injury or damage. An act of negligence is considered to be a tort. What does the term “tort” mean?

A tort is a criminal act committed with the intent to cause injury.

A tort is a civil wrong that violates the rights of another.

A tort is any act that has the potential to cause financial loss to another person.

A tort is an act that can be prosecuted by the state or federal government even if no injury or damage occurred.

Question 78 of 98

Which of the following losses is not excluded under the physical damage coverage of a personal auto policy?

Damage to equipment designed for the detection of radar

Loss caused by freezing of the cooling system

Loss to tires due to wear and tear

Damage to a covered auto while being used as part of a car pool

Question 79 of 98

Ann’s auto was damaged when it was struck by another car whose driver ran a stop sign. She was deemed to be not at fault. Which part of Ann’s Personal Auto policy will cover the damage to her car?

Collision Coverage

All Perils Coverage

DCPD Coverage

Collision or All Perils if purchased

Question 80 of 98

This premium can move up and down over time based on a policy that is agreed to at the outset of an insurance contract

Peak Season Endorsement

Adjustable Premium

Variable Premium

Pure Premium

Question 81 of 98

Medical payments under a homeowners policy are available for expenses resulting from an injury to which of the following?

The named insured.

A residence employee.

A person who is on the insured location without permission.

Any regular resident of the insured's household who pays rent.

Question 82 of 98

Under a homeowners liability policy, in addition to any payments for damages awarded against an insured, the insurance company will reimburse the insured for reasonable expenses incurred at the company’s request, including loss of earnings of up to how much per day?

$100 a day

$250 a day

$300 a day

$500 a day

Question 83 of 98

With respect to travel insurance, an involuntary extension may be offered to:

the insured only

a member of the insured's family

a travelling companion

all of the above

Question 84 of 98

If a broker is found guilty of misconduct, the fine for this action for the individual can be:

Up to $5,000

Up to $10,000

Up to $15,000

up to $25,000

Question 85 of 98

When co-ordinating benefits with other insurance plans and the travel policy, which plans could be considered in adjusting the claim?

Extended health care benefits

Credit card policies

Accident Benefits coverage

All of the above

Question 86 of 98

Trip cancellation insurance covers costs related to all of the following circumstances except

Being called for jury duty

Being quarantined

Death of a family member

The birth of your niece

Question 87 of 98

The cost to have a private duty nurse by a registered nurse would be covered under what section of a travel policy

Excess Medical

Extended Health Care

Excess Hospital

Child care Attendant Coverage

Question 88 of 98

Every member placing contracts of insurance with one or more insurers shall

Provide a certificate of coverage or a policy to the insured within 21 days

Include the name and address of the insured on the certificate

Include the name and address of the insurer and a description of coverage

All of the above

Question 89 of 98

What is one of three ways to calculate Actual Cash Value?

Identify the cost to replace the item less depreciation.

Identify the cost to replace the item less consideration.

Cost to repair or replace plus depreciation.

Cost to repair or replace less fair market value.

Question 90 of 98

Most homeowners policies consider a building where all occupants have moved out with no intention of returning to be which of the following:

Unoccupied

Vacant

Unoccupied and uninsurable

Vacant but insurable

Question 91 of 98

Choose the true statement regarding insurance markets.

A hard market occurs when competition is brisk, and prices are driven downwards.

In a soft market there is less supply and heightened demand.

Residual markets exist so that those applicants with high risk exposures that are unappealing from an underwriting point of view can obtain insurance.

None of the above are correct statements.

Question 92 of 98

ABC Trucking is a client of your brokerage. From time to time, they have non-owned vehicles in their care, custody, and control. You recommend to ABC Trucking Ltd. that they add an SEF 27—Legal Liability for Damage to Non-owned Automobiles to their policy. Which of the following statements is TRUE about this endorsement?

Since ABC Trucking is a corporation, indemnity is provided to individuals named on the endorsement

The endorsement covers multiple vehicles and/or trailers

The endorsement provides a “good will” type of coverage and will respond whether the insured is responsible for any damage or not

The endorsement protects against third party liability but not physical damage

Question 93 of 98

This type of adjuster is one who is hired and paid for by an insured to represent their interests in a claim.

Independent Adjuster

Staff Adjuster

Public Adjuster

Public Adjuster and Independent Adjusters

Question 94 of 98

You are in an accident and you are 40% at fault. You have Collision coverage with a $1000 deductible and DCPD coverage with a $1000 deductible. There is $1600 in damage to your vehicle. How much will your policy pay under DCPD?

$800

$360

$0

$1600

Question 95 of 98

We will pay for damage to and loss of use of the automobile or its contents or to both, that you or other insured persons have a legal right to recover from the identified owner or driver of an uninsured automobile involving an automobile. What section does this refer to?

DCPD

Collision

Uninsured Automobile Coverage

Liability Coverage

Question 96 of 98

You are getting married and moving to Toronto, where your spouse is employed. You have resigned from your position as a broker in Ottawa and have accepted a position with a brokerage in Toronto. What do you have to do in regards to maintaining your license?

Nothing, your former employer will advise RIBO that you have left and give them your new information.

Nothing, you can make the changes to your license when you renew your license at the end of September next year.

Nothing your new employer will advise RIBO and give them the necessary information to update your license.

You must advise RIBO within 30 days of any change in name, address or employer and employment status.

Question 97 of 98

Two friends, Jacob & Winnie purchased a home together. Jacob contributed $25,000 while Winnie contributed $75,000 toward the total purchase. They insured it on a joint policy for $80,000 but that did meet the co-insurance requirement. Six months after they moved in a fire destroyed the property. How much would Jacob receive after the loss?

$25,000 minus any applicable deductible

$40,000 minus any applicable deductible

$20,000

$20,000 minus any applicable deductible

Question 98 of 98

We will pay for damage to and loss of use of the automobile or its contents or to both, that you or other insured persons have a legal right to recover from the identified owner or driver of an uninsured automobile involving an automobile. What section does this refer to?

DCPD

Collision

Uninsured Automobile Coverage

Liability Coverage

RIBO Practice Exam Four Master Copied January 12 2025

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