The test of the materiality of facts in an insurance contract is defined according to the opinion of a

• A.diligent broker.
• B.prudent underwriter.
• C.reasonable person.
• D.honest proposer.

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For this question more than 1 option is correct. You must select all the correct options to gain the mark. What are the main sources of new English Law?

• A.Case law.
• B.International treaties.
• C.Legislation.
• D.Official law reports.

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Ambiguous terms in a household insurance contract are generally construed against the

• A.policyholder due to the literal rule.
• B.policyholder due to the noscitur a sociis rule.
• C.insurer due to the ejusdem generis rule.
• D.insurer due to the contra proferentem rule.

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What is the maximum contingency fee percentage under a damages-based agreement that can be charged by a solicitor for personal injury cases and employment tribunal cases respectively?

• A.35% for both cases.
• B.50% for both cases.
• C.35% for personal injury cases and 25% for employment tribunal cases.
• D.25% for personal injury cases and 35% for employment tribunal cases.

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A household insurance policyholder leaves his home to go to work without setting the burglar alarm. Whilst he was out, his new tumble dryer overheats and causes fire damage to the kitchen. In what circumstances may the insurer legally reject a fire claim?

• A.If the policyholder exaggerates the value of the claim.
• B.If there is a subrogation action against the manufacturer of the tumble dryer.
• C.If the tumble dryer is covered by extended warranty insurance.
• D.If there is a breach of a warranty requiring the burglar alarm to be set.

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