ICS06 - Motor Insurance (Surveyor) Mock Test 13
Motor insurance renewal and claims require knowledge of NCB declarations, certificates of insurance, break-in inspections, add-on covers and statutory provisions. The insured must correctly declare the no-claim status of the expiring policy when seeking NCB benefits. Break-in inspection may be required when renewal is delayed beyond the permitted period. Zero Depreciation covers applicable depreciation on replaced parts under eligible own-damage claims. NCB Protect is an optional add-on. Surveyors should understand vehicle classifications such as HGV, policy endorsements including IMT.3, and statutory provisions relating to no-fault compensation and hit-and-run claims. Good Samaritan provisions provide protection for persons assisting road accident victims.
1. ‘NCB declaration’ on renewal requires:
a) Insured to declare no-claim status of expiring policy
b) Insurer to declare
c) Police to declare
d) RTO to declare
2. Section 145(b) defines ‘Certificate of Insurance’ as:
a) A document evidencing TP insurance
b) Premium receipt
c) Claim form
d) Driving licence
3. Inspection for break-in policies is required when:
a) Renewal not done within 90 days of expiry
b) Always
c) Never
d) Renewal done same day
4. ‘No Claim Bonus Protect’ costs typically:
a) A small additional premium
b) Free
c) 20% extra
d) 50% extra
5. Gross Vehicle Weight for HGV exceeds:
a) 7,500 kg
b) 12,000 kg
c) 16,200 kg
d) Any weight
6. ‘Zero Depreciation’ add-on covers:
a) Depreciation on parts replaced during OD claim
b) TP liability
c) Premium
d) PA
7. ‘IMT.3’ endorsement is for:
a) Use restriction (e.g., not for driving tuition or hire/reward)
b) Hypothecation
c) Anti-theft device
d) Geographical extension
8. Section 163A (now omitted) provided for:
a) No-fault structured formula compensation
b) Hit-and-run only
c) Tribunal procedure
d) Permit
9. ‘Hit-and-run’ claims are filed before:
a) Claims Enquiry Officer (Sub-Divisional Magistrate)
b) MACT
c) RTO
d) Police
10. Section 134A protects Good Samaritans from:
a) Civil/criminal liability for help rendered to road accident victims
b) Tax
c) Permits
d) Police inquiry
