Property insurance includes

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Uploaded: 11.09.2013
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estovye questions:
1. Property insurance includes:
A) property insurance, liability insurance,
B) insurance of property,
V) property insurance, liability insurance, insurance of business risks,
D) property insurance, liability insurance, accident insurance;
D) property insurance business risks.
2. Insurance brokers are recognized:
A) permanently residing in the Russian Federation, Russian individuals or legal entities that operate in the interests of the insurer (reinsurer) or insurer (reinsurer) and carry out activities to provide services relating to the conclusion of contracts of insurance (reinsurance) contracts between an insurer (reinsurer) and the insured (reinsurer), as well as with the execution of these agreements,
B) permanently residing in the territory of the Russian Federation and registered in accordance with the legislation of the Russian Federation as individual entrepreneurs individuals or Russian legal entities that operate in the interests of the insurer (reinsurer) or insurer (reinsurer) and perform service activities connected with the conclusion of insurance (reinsurance) between the insurer (reinsurer) and the insurer (reinsurer), as well as with the execution of these agreements,
B) permanently residing in the territory of the Russian Federation and registered in accordance with the legislation of the Russian Federation as individual entrepreneurs individuals or Russian legal entities that act in the interests of the insured or the insurer, and carry out activities to provide services relating to the conclusion of contracts of insurance between the insurer and the insured as well as with the performance of these agreements.
3. Under a contract of insurance risk of liability for breach of contract can be insured:
A) only the risk of liability of the insurer,
B) the risk of liability of the insurer or other person.
4. Systematic insurance of various lots of property (goods, cargo, etc.) at similar conditions during a certain period in agreement with the insurer, the insurer carried out on the basis of the insurance contract, which is called:
A) trade policy,
B) the main policy,
B) General Policy.
5. Do you agree with the statement that the insurer is not exempted from payment of insurance compensation under a contract of liability insurance for damage to life or health, if the harm is caused by the fault of the person responsible for it:
A) Yes,
B) No.
6. The actuarial calculations are called insurance rates:
A) Only for life insurance;
B) only on savings insurance;
B) for all insurance sectors, without exception;
D) Only property insurance.
7. The objects of personal insurance are:
A) the personal property of citizens;
B) the responsibility of citizens to third parties;
B) life health and ability of man.
8. Diversification - a kind of integration process, comprising:
A) concentration in a few hands an increasing volume of insurance premiums and services;
B) the extension of the scope of the insurer's various enterprises of other sectors not related to the insurance business;
B) the penetration of insurance companies in other sectors, which is closely related to the insurance business.
9. Combined Insurance connected:
A) to the insurance objects related to one type of property insurance and (or) personal insurance of various risks
B) insurance of objects belonging to different types of property insurance and (or) personal insurance,
B) to the insurance objects related to property insurance and (or) private insurance with different insurance companies.
10. Insurance brokers may carry out:
A) is not prohibited by other

Additional information

Tasks
1. The basic insurance premium for subgroups of contracts relating to the registration group 4 and concluded for a period of one year in the past year, is equal to (thous. USD) in March - 100, May - 90 October - 50.
Determine the CHP by the "1/24" on the 1st of January.
3. The entity has insured his property for a period of 1 year with responsibility for burglary in the amount of 700 mln. Rubles. The rate of insurance rate - 1.0% of the sum insured. According to the insurance contract provides for a deductible in the amount of 1.0 mln. Rub., Where the discount rate to 3%. Actual damage to the insured amounted to 2.0 mln. Rubles.
Calculate the amount of insurance payment and insurance compensation.
4. quota reinsurance contract the reinsurer takes on its responsibility to 30% of the sum insured for each insurance contract, but not more than 3,0 mln. Rubles. Assignor property insurance agreements concluded by 6 mln. Rubles., 2 mln. Rubles. and 8 mln. rubles.
Define your own part of the assignor and the reinsurer to cover the risks.
5. Under the terms of the insurance contract excess of loss reinsurer is obliged to make an insurance payment to the assignor, if on the results of property insurance for the year will exceed the level of payments to 100%. The responsibility is limited to the reinsurer level of 110%. As a result, the insurer collected insurance premiums in the amount of 60 mln. Rub., And paid the insurance compensation in the amount of 90 million rubles. How much to pay the assignor the reinsurer?
6. concluded two contracts of property insurance. The sum insured for one - 200 thousand. Rub., On the other - 500 thousand. Rub. As a result of fire damage on each object was 400 thousand. Rub. Both sites have been insured in the system of the first risk.
What will be the indemnity for each contract?
7. Valuation of the insured object 30 million. Rub., The insured amount - 25 million. Rub., The damage resulting from damage to the insured object - 20 million. Rubles.
Calculate the amount of insurance compensation under a system of proportional liability.

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