2026年保险英语条款解读考试复习题含答案

2026年保险英语条款解读考试复习题含答案一、单选题（共10题，每题2分，合计20分）说明：选择最符合题意的选项。1.Theinsuredshallnotifytheinsureroftheoccurrenceofaninsuranceaccidentwithin______daysfromthedateoftheaccident.A.3daysB.5daysC.7daysD.10days2.Whichofthefollowingistypicallyexcludedfromthecoverageofastandardfireinsurancepolicy?A.DamagecausedbylightningB.LossduetoexplosionC.Theftduringabreak-inD.Firecausedbyelectricalfaults3.Ifaninsurancepolicystates"Claimsshallbesettledwithin30daysafterreceiptoftheclaim,"thisreferstotheinsurer's:A.InvestigationperiodB.NotificationrequirementC.TimelimitforpaymentD.Deductibleamount4.Theterm"subrogation"ininsurancecontractsmeans:A.Theinsurer'srighttorecoverlossesfromathirdpartyB.Thepolicyholder'sobligationtorepairthedamagedpropertyC.ThereductionofthepremiumbasedonclaimshistoryD.Theincreaseofcoverageduetoinflation5.Inamarineinsurancepolicy,"F.P.A."standsfor:A.FreePracticeofAccountancyB.FreeofParticularAverageC.FullPartialAverageD.FirstPartialAccident6.Theclauseinaninsurancepolicythatallowstheinsurertoterminatecoverageifthepolicyholderfailstopaythepremiumontimeisknownasthe:A.GraceperiodclauseB.CancellationclauseC.WaiverclauseD.Indemnityclause7.Whichofthefollowingisacommonfeatureofa"namedperils"insurancepolicy?A.CoversallrisksexceptthosespecificallyexcludedB.CoversonlytheriskslistedinthepolicyC.ExcludesallrisksexceptthoseexplicitlystatedD.Requiresthepolicyholdertopayahigherdeductible8.Thephrase"actualcashvalue"inaninsurancecontractrefersto:A.ThereplacementcostofthedamageditemB.ThemarketvalueoftheinsuredassetatthetimeoflossC.Thedepreciation-adjustedvalueoftheassetD.Theinsured'sestimatedclaimamount9.Inliabilityinsurance,"legalliability"means:A.Theinsurer'sresponsibilitytopayclaimsB.Thepolicyholder'sobligationtoindemnifyathirdpartyC.Thecourt'srulingonaclaimD.Thereductionofpremiumsbasedonriskassessment10.Theterm"warranties"ininsurancecontractsrefersto:A.PromisestoperformcertainactionsB.ExclusionsfromcoverageC.ConditionsthatmustbemetforcoveragetoapplyD.Theinsurer'sguaranteeofclaimpayment二、多选题（共5题，每题3分，合计15分）说明：选择所有符合题意的选项。1.Whatarethetypicalcomponentsofaninsurancepolicy'sdeclarationsection?A.Policyholder'snameandaddressB.Insuredproperty'sdescriptionC.CoveragelimitsanddeductiblesD.DateofpolicyissuanceE.Exclusionofflooddamage2.Whichofthefollowingarecommonexclusionsintravelinsurancepolicies?A.Medicalexpensesduetopre-existingconditionsB.LossofpersonalbelongingsduetotheftC.DamagetoluggageduringtransitD.CancelationduetopoliticalunrestE.Coverageforbusinesstravel3.Inmarineinsurance,"generalaverage"refersto:A.ThedeliberatesacrificeofpartofthecargotosavethevesselB.Theinsurer'srefusaltopayaclaimduetofraudC.TheadjustmentofcoveragelimitsbasedonriskD.ThecompensationpaidtoathirdpartyforlossE.Theinsurer'srighttosubrogation4.The"insurableinterest"principlerequiresthattheinsuredmust:A.HaveafinancialstakeintheinsuredassetB.PurchasethepolicywithinaspecifictimeframeC.BethelegalowneroftheinsuredpropertyD.ProvideproofoflossE.Paythepremiuminfullupfront5.Whichofthefollowingclausesmaybeincludedinanautoinsurancepolicy?A.UninsuredmotoristcoverageB.CollisioncoverageC.DeductiblewaiverD.IdlingrestrictionE.Roadsideassistance三、判断题（共10题，每题1分，合计10分）说明：判断下列陈述是否正确（正确填“√”，错误填“×”）。1.Aninsurancepolicy'sendorsementisanadditionaldocumentthatmodifiestheoriginalcoverage.(√/×)2.Inworkers'compensationinsurance,theemployerisalwaystheinsured.(√/×)3.The"utmostgoodfaith"principleappliesonlytotheinsurer.(√/×)4.Flooddamageistypicallycoveredunderstandardhomeinsurancepolicies.(√/×)5.The"subrogation"rightallowstheinsurertoseekcompensationfromthepartythatcausedtheloss.(√/×)6.A"deductible"istheamounttheinsurerpaysfirstbeforecoveringtheclaim.(√/×)7.Inmarineinsurance,"F.I.A."standsfor"FreeinAll."(√/×)8.The"warranty"clauseinaninsurancepolicyisalwaysoptional.(√/×)9.The"indemnity"principleensuresthattheinsuredisfullycompensatedforlosses,notrestoredtothesamefinancialposition.(√/×)10.A"policyperiod"isthedurationforwhichtheinsurancecoverageiseffective.(√/×)四、填空题（共10题，每题2分，合计20分）说明：根据上下文填写合适的单词或短语。1.Theinsuredmustprovide______tosupporttheclaimwhenfilingaloss.(e.g.,photographs,receipts)2.Inliabilityinsurance,theterm"______"referstothelegalobligationtocompensateathirdpartyfordamages.3.Theclausethatallowstheinsurertoterminatecoverageifthepremiumisnotpaidisknownasthe______clause.4."______"istheprinciplethatensurestheinsuredisrestoredtothefinancialpositionbeforethelossoccurred.5.Inmarineinsurance,"P.I."standsfor______(ProtectionandIndemnity).6.Theperiodbetweenthepolicyissuanceandtheexpirationdateiscalledthe______ofthepolicy.7.A"______"isadocumentthatmodifiesthetermsofanexistinginsurancepolicy.8.Theamounttheinsuredmustpayoutofpocketbeforetheinsurercoverstherestiscalledthe______.9.Theterm"______"referstotheinsurer'srighttorecoverlossesfromathirdpartywhocausedthedamage.10.Inhealthinsurance,"______"coversexpensesrelatedtomedicaltreatmentforillnessorinjury.五、简答题（共5题，每题4分，合计20分）说明：简要回答下列问题。1.Whatisthedifferencebetween"actualcashvalue"and"replacementcost"ininsurance?2.Explainthepurposeofthe"utmostgoodfaith"principleininsurancecontracts.3.Whatarethetypicalstepsaninsuredshouldtakeafterfilingaclaim?4.Describetheconceptof"subrogation"anditssignificanceininsurance.5.Whyis"insurableinterest"afundamentalrequirementininsurance?六、翻译题（共5题，每题4分，合计20分）说明：将下列英文条款翻译成中文。1."Theinsurershallnotbeliableforanylossordamagearisingfromwar,nuclearaccidents,orpollution."2."Iftheinsuredfailstoperformthedutiesrequiredbythepolicy,theinsurermaydenycoveragefortheclaim."3."Thepremiumshallbepaidinadvance,andfailuretodosomayresultincancellationofthepolicy."4."Theinsuredshalltakeallreasonablemeasurestopreventorminimizetheloss,andfailuretodosomayreducetheindemnity."5."Anymodificationstothepolicymustbedocumentedinwritingandsignedbybothparties."答案与解析一、单选题答案与解析1.C.7days-Mostinsurancepoliciesrequirenotificationwithin7daysofanaccidenttotriggercoverage.2.C.Theftduringabreak-in-Standardfirepoliciestypicallyexcludetheftunlessspecifiedinanendorsement.3.C.Timelimitforpayment-Thephrasereferstotheinsurer'sobligationtopayclaimswithin30daysafterreceivingtheclaim.4.A.Theinsurer'srighttorecoverlossesfromathirdparty-Subrogationallowsinsurerstoseekcompensationfromresponsiblethirdparties.5.B.FreeofParticularAverage-F.P.A.isacommonmarineinsuranceclauseexcludingcertainrisksunlessspecificallymentioned.6.B.Cancellationclause-Thisclausepermitsinsurerstoterminatecoverageduetonon-paymentofpremiums.7.B.Coversonlytheriskslistedinthepolicy-Namedperilspoliciesonlycoverrisksexplicitlystatedinthecontract.8.C.Thedepreciation-adjustedvalueoftheasset-Actualcashvalueaccountsfordepreciation,unlikereplacementcost.9.B.Thepolicyholder'sobligationtoindemnifyathirdparty-Legalliabilityreferstothedutytocompensateothersfordamages.10.C.Conditionsthatmustbemetforcoveragetoapply-Warrantiesareconditionsinpoliciesthatmustbesatisfiedforcoveragetoexist.二、多选题答案与解析1.A,B,C,D-Declarationsincludepolicyholderdetails,assetdescription,limits,andissuancedate.2.A,D-Pre-existingconditionsandpoliticalunrestarecommonexclusionsintravelinsurance.3.A,E-Generalaverageinvolvespartialsacrificestosavethevessel,andsubrogationmayapply.4.A,C,D-Insurableinterestrequiresafinancialstake,ownership(insomecases),andproofofloss.5.A,B,C,E-Thesearestandardautocoveragetypes,whileidlingrestrictionsarenot.三、判断题答案与解析1.√-Endorsementsmodifypolicyterms.2.√-Employersaretypicallyrequiredtoprovideworkers'compensation.3.×-Bothinsurerandinsuredmustadheretoutmostgoodfaith.4.×-Floodisoftenexcludedunlesscoveredbyanendorsement.5.√-Subrogationhelpsinsurersrecovercostsfromresponsibleparties.6.√-Deductiblesaretheinsured'sout-of-pocketexpense.7.×-F.I.A.standsfor"FreeofInterest,"not"FreeinAll."8.×-Warrantiescanbemandatorydependingonthepolicytype.9.×-Indemnityaimstorestoretheinsuredtothepre-lossfinancialposition.10.√-Policyperiodistheeffectivedurationofcoverage.四、填空题答案与解析1.evidence-Proof(e.g.,photos,receipts)isrequiredforclaims.2.liability-Legalobligationtocompensatefordamages.3.cancellation-Non-paymentmayleadtopolicycancellation.4.indemnity-Restorestheinsuredtopre-lossfinancialposition.5.ProtectionandIndemnity-P.I.coversthird-partyclaimsinmarineinsurance.6.policyperiod-Durationbetweenissuanceandexpiration.7.endorsement-Modifiesexistingpolicyterms.8.deductible-Amounttheinsuredpaysoutofpocket.9.subrogation-Insurer'srighttorecoverfromthirdparties.10.medicalexpenses-Coverscostsrelatedtoillnessorinjury.五、简答题答案与解析1.Differe