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vi W01/March 2017 Award in General Insurance

Chapter 6 self-test answers

1. The active, efficient cause that sets in motion a train of events which brings about a result, without
the intervention of any force started and working actively from a new and independent source.
2. To ensure that the intention of the parties to an insurance contract as to which perils should be
covered prevails.
3. A direct chain of causation.
4. Insured, excepted/excluded and uninsured/unnamed perils.
5. The loss is not covered.
6. The loss following the excepted peril is not covered.
7. They cover only losses caused ‘solely from a particular peril and independent from all other causes’
or exclude things ‘occasioned by’ the particular event. Reference copy for CII Face to Face Training