EMT Practice Test

1. Question Content...

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Question1: The proximate cause of a loss is best described as the

Question2: In the tort of negligence, a primary victim of nervous shock is a class of person who suffers psychiatric injury

Question3: Within what time period, from the date when the damage first began, does the owner of an office block have a right to sue the builder for negligent construction work?

Question4: Dan made a financial arrangement on behalf of Liz. However, Liz had the arrangement set aside by the court on the basis that she had been unduly influenced by Dan. To establish undue influence, the court must have specifically identified Dan as

Question5: For this question more than 1 option is correct. You must select all the correct options to gain the mark. Which special defences are available to the fort of libel?

Question6: John owns stock that he intentionally insured for £15,000, although the full value of the stock is £18.000. His insurance policy has no excess and is subject to a pro rata condition of average. In the event of water damaging
£6.000 of John's stock, how much will the insurer pay for a valid claim after the application of average?

Question7: A warranty in Emily's personal travel insurance policy states that cash must be kept in a locked safe. Whilst on holiday, a storm destroys her hotel and its contents. When Emily completes a claim form for loss of money, she admits that her cash was NOT locked in the safe. What will be the insurer's likely response to her claim for the lost money?

Question8: A claimant may possibly recover money transferred under an illegal contract when

Question9: What is the intended purpose of a subrogation waiver clause in an insurance po

Question10: In what circumstances is abandonment automatic under a marine hull insurance policy?

Question11: At what stage is insurable interest required for a marine cargo insurance policy?

Question12: When, if at all, does the duty of fair presentation of a risk apply after a non-consumer insurance contract has been formed?

Question13: A property policy contains a condition regarding prompt loss notification. If the insured fails to comply with this condition, in practice, the insurer is likely to

Question14: Two liability policies with different insurers cover the same loss of £15,000,000. The limit of liability is
£10,000,000 under policy X and £20,000,000 under policy Y. Neither policy has a non-contribution clause.
What amount will policy Y contribute towards the claim payment?

Question15: 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?

Question16: For this question more than 1 option is correct. You must select fill the correct options to gain the mark. In what circumstances would an agency agreement be automatically terminated?

Question17: For this question more than 1 option is correct. You must select all the correct options to gain the mark. In a consumer insurance policy, a warranty can arise as