For this question more than 1 option is correct. You must select all the correct options to gain the mark.
The Insurance: Conduct of Business sourcebook (ICOBS) rules in respect of claims handling specify that an insurer must

• A.provide reasonable guidance to an insured to help him make a claim.
• B.not unreasonably reject an insured's claim.
• C.handle a claims notification within 14 days.
• D.settle a claim promptly once settlement has been agreed.

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When, if at all, does the duty of fair presentation of a risk apply after a non-consumer insurance contract has been formed?

• A.On submission of a claim.
• B.It does not apply as the duty is to take reasonable care not to make a misrepresentation.
• C.From the date of a breach of warranty.
• D.Where there is a variation in the insured risk.

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Adam was bitten by a stray dog in Africa. He washed his wound in a pond and a week later he became very ill with a high temperature. Initially, the local hospital treated him for malaria and later treated him for the fever following the dog bite. Adam died in hospital. What is the proximate cause of his death?

• A.The unhygienic washing of the dog bite.
• B.The delay in obtaining the correct medical treatment.
• C.The original physical injury of the dog bite.
• D.The delay in seeking medical treatment.

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The branch of law particularly relevant when handling negligence claims is

• A.administrative.
• B.constitutional law.
• C.civil law.
• D.public law.

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A person insures her own life under a life insurance policy but does so expressly for the benefit of another. To facilitate this, which type of arrangement is most commonly established?

• A.Coinsurance.
• B.Lien.
• C.Power of Attorney.
• D.Trust.

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