NEW
Font size
WorksheetsSULAM QUIZ
Total questions: 20
Worksheet time: 10mins
Which of the following purposes are allowed for a motor vehicle classified as a Private Car (PC)?
Social, domestic, and pleasure purposes
Commercial transportation of goods
Personal travel for family vacations
Use for carpooling or ride-sharing services
Which section of the motor insurance policy cover "Loss and Damage to Your Vehicle"?
Section A
Section B
Section C
Section D
What is the purpose of Endorsement 89 (windscreen cover)?
To cover the loss of non-standard accessories
To prevent the loss of No Claim Discount (NCD) for windscreen damage claims
To reduce the premium for comprehensive policies
To extended cover for flood damage
Under the motor insurance policy, what does the "Betterment Clause" imply ?
No deduction for cars older than five years
Deduction for replacing old parts with new ones
The insurer pays for full replacement costs
Non standard accessories are always excluded
What is the maximum liability for Third Property Damage (TPPD) under standard private car policies ?
Unlimited
RM 1 million
RM 3 million
RM 20 million
What is excluded under the General Exceptions of motor policy ?
Loss due to theft of a locked vehicle
Loss caused by driving under the influenced of alcohol
Damage due to accidental collision
Liability for passengers in private cars
Which of the following is NOT covered under comprehensive insurance policy?
Accidental damage to the insured vehicle
Damage to third party vehicle
Wear and tear of the insured vehicle
Theft of the insured vehicle
What does a comprehensive motor insurance policy generally include ?
Coverage for third party liabilities only
Coverage for both own damage and third party liabilities
Coverage for own vehicle damage only
None of the above
Subsection A1 : Cover against accidental collision or overturning must occur as a result of the following EXPECT
Collision or overturning caused by mechanical breakdown
By accidental collision or overturning
Collision or overturning caused by driver negligence
Collision or overturning caused by wear and tear
Which of the following is NOT a basis of settlement under a motor insurance policy?
Replacement of the damaged vehicle or parts
Payment or cash equivalent to the loss
Repair of the insured vehicle
Compensation for the loss of use of the vehicle
Which of the following TRUE about knock-for-knock agreement?
It allows insurers to recover costs from the other party’s insurer
It applies only if both parties are covered by the same insurer
It simplifies the claims process by each insurer covering their own policyholder’s damages
It is applicable regardless of which party is at fault
For motorcycle policies, theft of accessories are not covered unless the motorcycle is also stolen at the same time?
TRUE
FALSE
What does Section B of the motor policy cover?
Theft of personal belongings inside the vehicle.
Third-party liabilities, such as bodily injury and property damage
Loss of use compensation for the insured vehicle
Repairs to the insured vehicle after an accident
What happens if the insured fails to notify the insurer of a claim within the required timeline?
The insured's policy is immediately canceled
The insurer is obligated to pay regardless of the delay
The claim is automatically reduced by half
The insurer may refuse to pay the claim
Under Section A, when does insurance cover impact damage caused by falling objects?
When the object falls due to a flood or landslide
When the damage is due to regular wear and tear of the object
When the damage is caused by falling objects not linked to natural disasters
When the object falls as a result of an earthquake
What does Endorsement 100 exclude in terms of liability for passanger in private car?
Liability for death or bodily injury to any passanger
Liability for damage to the vehicle
Liability for injury to pedestrians
Liability for death or bodily injury passengers with employment contract
Why was Exception A4 (g) introduced, and what specific issue did it address?
To exclude damage caused by viruses in computer systems
To address the Y2K bug and related damages
To improve the functionality of electronic equipment
To ensure all malfunctions are covered under insurance policies
Since when has Endorsement 100 been a requirement in all Private Car (PC) insurance policies?
1980
1985
1989
1992
What is the typical limit insurers set for legal expenses in such cases?
RM 1,000
RM 2,000
RM 5,000
No limit is specified
What challenges were organizations trying to mitigate with the introduction of Exception A4 (g) in 1998?
Preventing all electronic equipment failures
Encouraging companies to upgrade their sofrware and hardware
Avoiding a surge in insurance claims due to Y2K-related malfunctions
Ensuring that all date-related malfunctions are covered under warranties
