EXIT Certificate CH3 Example These questions are similar to the exam for CH3 - give them a go! Question Title * 1. Sarah works as a school secretary and on the day before the school breaks up for thesummer holiday there is a parent teacher football match. Sarah previously played for theLuton Belles as a goal keeper and is asked to play in goal for the teacher team. The match is to be played at 4:00 pm which is half an hour after Sarah usually ends her working day.During the match Sarah dives at the feet of a parent to take the ball. Sarah wins the balland as a precaution the referee Edmond Jolly blows his whistle and awards a “free kick”to Sarah’s team. The parent is bemused by the decision and argues the point with thereferee. The referee’s attention and that of most present is occupied by the discussion.In the interim Sarah walks back to the goal line and her foot tangles in the net. Whilstpulling her foot free the cross bar becomes dislodged and strikes Sarah on the head.Fortunately Jamal, one of the other teachers sees this and administers first aid to a cut on Sarah’s forehead.Sarah decides to claim against the school for her injury and appoints Kennilworth,Oak and Maple Solicitors. The first action they would correctly take with regard tothe claim process is to: Allocate costs Issue a letter of Claim Make a Part 36 offer to prevent the school from doing so Provide a decision on liability OK Question Title * 2. The school immediately provides an admission of legal liability. However, it laterestablishes facts that mean that they may not have been liable. Which of thefollowing BEST summarises their position: The Civil Procedure Rules are intended to speed matters up. The school did so andif they can prove they are not liable they will be entitled to compensation fromSarah. The admission cannot be withdrawn The admission can be withdrawn – it is meaningless Providing it is a Pre-Action admission the admission can be withdrawn with theconsent of Sarah. OK Question Title * 3. Aston, Horton and West are a partnership who operates a shop selling sports equipment in a busy high street. Following a disturbance involving rival football fans their shop front is damaged and the shop is unable to open for three days due to the extent of damage.After three days the shop re-opens but half of the shop front remains boarded and as aresult trade is reduced as many potential customers believe the shop must be closed.To consider the extent of the amount payable under the terms of the Policy therate of Gross profit needs to be established. This is calculated by: Sum Insured/ Value at Risk = Rate of Gross Profit Value at Risk/ Sum Insured = Rate of Gross Profit Turnover/ Gross Profit = Rate of Gross Profit Gross Profit / Turnover = Rate of Gross Profit OK Question Title * 4. The partners ask you for advice regarding increased costs of working. Theybelieve that it would be profitable to advertise in the local paper stating thatthe shop is open. Which of the following summarises the most likely cover: There would be no cover for this additional expenditure There would be unlimited cover for increase cost of working Providing the additional spend is economic it will be covered There is cover but the action should be discouraged in case it does not work out OK Question Title * 5. Sandra and Gary share a 1920’s 2 bedroom house in Surrey; they suffer a burst pipe such that their bathroom, kitchen and both bedrooms are out of use. Sandra often works away from home and Gary states that he may move into his parents’ house for a short time.However, initially they move into a hotel “The Extravagant Lodge” which is frequented by politicians and film stars. The hotel is in central London but is easier for Gary to get to work as he is based in central London.Gary states that he is keen to stay in the hotel having settled there. The repairs works are likely to take around ten weeks and the cost is £300 per night. Gary points out that he can reduce his commuting cost by almost £200 per month which means he’ll have extra money to make improvements to the house when it is repaired. You are initially asked to explain your measure of whether the house is habitable. Which of the following is the most appropriate measurement? There has been an Insured Peril so if the Policyholder wishes to move out the cost iscovered There is only cover if the property is structurally unsound There are no bathroom facilities, cooking facilities or sleeping accommodation and thissuggests the property is uninhabitable. The Policyholder must be questioned as to what they would have done if this had beenplanned work. The property is only uninhabitable if they confirm that they would havemoved out in such circumstances. OK Question Title * 6. You are now asked what guidance should be given about the nature of the accommodation Gary and Sandra should occupy during the period of unoccupancy.The most appropriate guidance you could provide is which of the following? The cheapest accommodation i.e. staying with relatives is the most appropriate The economics of the situation should be considered as a priority Gary and Sandra have indicated that they could move in with parents, this musttherefore be the procedure The sum insured for Alternative Accommodation is usually a percentage of the suminsured. Providing this is not exceeded there is no issue with the costs incurred. OK SEE HOW YOU DID