EXIT

CH3 Chapter Four Alternative Accommodation

These questions are similar to the exam for CH3 - give them a go!

Question Title

* 1. Which of the following are best describes interested parties in the Alternative Accommodation process?

Policyholder, Insurer, Estate Agents

Policyholder and Insurer

Hotel Proprietors

All the above are interested parties

Question Title

* 2. Which of the following could be an indicator that the property is uninhabitable and a typical policy would provide cover for the cost of alternative premises? Highlight all those that apply

The house is structurally unsound due to an uninsured event

There is no electricity as the power supplier has turned off supply due to non payment

The bathroom is in a dangerous state , initially thought to be subsidence but it is now established it is an excluded peril

Asbestos found to have been disturbed following an insured peril

Question Title

* 3. Other factors that should be taken into account when assessing whether a property is uninhabitable include which of the following? Select as many as correct.

Children

Infirm persons

The cost effectiveness of working around contractors

Lack of food making facilities

Question Title

* 4. Which of the following BEST describes the situation of pets with regard to pets?

Pets are the sole responsibility of the owner and are never taken into account

Guide dogs are the only exception to cover for pets and all policies include the cost of relocating guide dogs

The cost of relocating pets may not be covered,the policy should be verified for the particular cover in force

Kennels for dogs are usually covered by the Policy but all other pets most be rehoused at the Policyholders' cost

Question Title

* 5. Which of the following BEST describes the position with regard to the reinstatement works contract

Contracts often overrun and the Adjuster should anticipate this and maintain adequate reserve to this effect.

Contemplation of the contract term should be accounted for and consideration given to penalties on the contractor for delays increasing Alternative Accommodation costs

Delays in works automatically result in damages covering the cost of alternative accommodation

Additional costs for alternative accommodation due to contract works delays are always excluded from the policy

Question Title

* 6. Which of the following BEST describes the policy position with regard to Alternative Accommodation?

The cover always unlimited

The cover is always limited but in reality the cover is so high it is never an isssue

The policy will most likely limit cover and there maybe other restrictions

The Policy will most likely limit cover and there may be other restrictions. However, the Policyholder should not be informed of the restrictions as it may result in stress

Question Title

* 7. Which policies TYPICALLY include Alternative Accommodation cover?

Buildings only

Contents only

Landlord Policies Only

Building and Contents Policies