Sample Questions

IRDAI - IC 72 Motor Insurance Mock Tests — 5 random MCQs with answers & explanations

← Back to IRDAI - IC 72 Motor Insurance Mock Tests

These 5 questions are randomly selected (standard MCQs only, not case-based).

Q1 In the context of motor insurance, how is a fraud attempt by the policyholder themselves classified?

A. Internal source fraud
B. External source fraud Correct Answer
C. Administrative error
D. Third-party collusion

Explanation:

Fraud from "Internal sources" involves employees or agents of the insurance company. Fraud committed by customers, claimants, or repair garages is classified as "External source" fraud because it comes from outside the insurance company's organization.

Marks: 1

Q2 What is the standard range for the sum insured regarding emergency transport and hotel expenses in a car policy?

A. Rs. 1,000 to Rs. 5,000
B. Rs. 5,000 to Rs. 20,000
C. Rs. 10,000 to Rs. 50,000 Correct Answer
D. Rs. 50,000 to Rs. 1,00,000

Explanation:

If an accident happens far from home, some policies help pay for a hotel and travel. This specific benefit usually ranges from a minimum of Rs. 10,000 to a maximum of Rs. 50,000.

Marks: 1

Q3 Which specific legal form must be used when applying for the grant of a permit for a tourist vehicle?

A. Form 40
B. Form 45 Correct Answer
C. Form 48
D. Form 51

Explanation:

The government uses specific numbered forms for different transport needs. Form 45 is the standard application used by owners who wish to get a permit to operate a vehicle specifically for tourist purposes.

Marks: 1

Q4 Under the classification of vehicles into classes, which type of vehicle is categorized as class 'A-1'?

A. Private Carriers
B. Public Carriers Correct Answer
C. Trailers
D. Passenger vehicles

Explanation:

Commercial vehicles are divided into different groups; 'A-1' specifically refers to Public Carriers used for transporting goods for others.

Marks: 1

Q5 Which testing method is used to determine the thickness of vehicle metal sheets?

A. X-ray radiography test
B. Ultrasonic test Correct Answer
C. Stress relieving test
D. Hydro test

Explanation:

An ultrasonic test uses high-frequency sound waves to measure how thick a metal sheet is. This helps in checking the quality and safety of the vehicle's body.

Marks: 1

Start Mock Tests →

Explore More Mock Tests

Practice structured mock tests designed exactly like real NISM exams.

Browse All Subjects Start Free Test