ASCORERS STUVIA
INSURANCE LAW EXAM NEWEST UPDATED
QUESTIONS WITH CORRECT ANSWERS ALREADY
GRADED A+
Material bFact b b b b...ANSWER... b b bEvery bcircumstance bis bmaterial bthat bwill
beffect bthe bjudgement bof ba bprudent binsurer bin bfixing bthe bpremium bor
bdetermining bwhether bto btake bthe brisk.
Davies bv bBennison b(1927) b b b b...ANSWER... b b bDefendants bcat bwas bshot
bwhilst bon btheir broof.
It bwas bheld bthat bthis bwas btrespass bto bland b(bullet bpassed bover bclaimants
bproperty) band btrespass bto bgoods b(the bcat)
Hamps bv bDerby b(1948) b b b b...ANSWER... b b bHeld bthat bshooting bsomeones
bracing bpidgeons bamounts bto btrespass bto bgoods.
Burnard bv bRodocandi b(1882) b b b b...ANSWER... b b bInsurers bpaid ba bclaim bfor
bdamaged bcargo bwhich bhad bbeen bdestroyed bby ba bconfederate bcruiser.
,ASCORERS STUVIA
The bpolicy bdid bnot bcove bthe bloss bin bfull.
Difference bwas bmade bup bby ba bgracious bpayment bfrom bUS bcongress.
Terms bof bthe bpayment bstipulated bthat bno bbenefit bwas bto bgo bto bunderwriters.
The binsured bwas bnot bable bto bclaim bby bway bof bsubrogation bof bmoney bpaid
bby bway bof ba bgift.
Merret bv bCapital bIndemnity bCorporation b(1991) b b b b...ANSWER... b b bIt bwas
bheld bthat bliability binsurers bcould bkeep ba bgift bfrom bbroker bwhich bhad bbeen
bmade bto bpartly bfund ba bloss, beven bthough bthe bloss bhad bbeen bcovered bby bRI.
The bRI's bwere bnot ballowed bto bdeduct bthe bamount bfrom bthe bRI bclaim.
Christie bv bDavey b(1893) b b b b...ANSWER... b b bClaimant bwas ba bmusic bteacher
bwho bgave blessons bat bher bhome band bher bfamily benjoyed bplaying bmusic.
Her bhouse bwas battached bto bthe bdefendants bwho bhad bcomplained bon bmany
boccasions bbut bto bno bavail.
He btook bto bbanging bon bthe bwalls band bbeating btrays band bshouting bin
bretaliation.
,ASCORERS STUVIA
It bwas bheld bthat bthe bdefendants bactions bwere bmotivated bby bmalice band
btherefore bdid bnot bconstitute ba bnusiance.
An binjunction bwas bgranted bto brestrain bhis bactions.
Central bLondon bProperty bTrust bv bHigh bTrees bHouse b(1947) b b b
b...ANSWER... b b bLandlord blet ba bblock bof bflats bto btenants bfor b£2500 bper
byear.
During bwar bhe bstruggled bto bfind btenants band bclaimant bagreed bby bletter bto
breduce bcurrent btenants brent bto b£1250 ba byear.
Then bin b1945 bthe bclaimant bclaimed brent bowing bfrom b1941 bof b£2500 ba byear
bon bthe bbasis bthat bno bconsideration bhad bbeen bgiven bfor btheir bagreement bto
breduce bit.
Judges bheld bthat bby bthe btenants breducing bmonthly bamounts bthis bwas
bconsideration.
Judges bheld bthat bhigher brent bcould bbe bpayable bnow bbut bcouldn't bgo bback bon
bhis bpromise.
Promissory bestoppel.
, ASCORERS STUVIA
Simcock bv bScottish bImperial bInsurance bCo b(1902) b b b b...ANSWER... b b bA
bbutcher binsured bthe blife bof bhis bright bhand bman.
Upon bloss bhe bclaimed bunder bhis bpolicy.
It bwas bheld bthat bthe bamount bpayable bwas bfor bone bweeks bwages, bthe bnotice
bperiod bof bthe bright bhand bman.
Harse bv bPearl bLife bAssurance bCo b(1904) b b b b...ANSWER... b b bSon blived bwith
bhis bmum bwho bcared band bkept bfor bhim.
He bclaimed bthat bthe bmoney bpaid bout bwas bto bcover bfuneral bcosts.
Held bthat bthe bpolicy bwas bvoid bfor black bof binsurable binterest, bthe bson bdid bnot
bstand bto blose bfinancially bon bdeath bof bhis bmother, bno blegal bobligation bto
bbury bher.
Manifest bShipping bCo bv buni bPolaris bShipping bCo b(2001) bThe bStar bSea b b b
b...ANSWER... b b bThe binsured bvessel bwas bput bto bsea bin bwhat bwas bheld bto bbe
ban bunseaworthy bstate bbecause bof bdefects bin bits bfire bfighting bequipment band
bthe bmasters bignorance bregarding bthe boperation bof bthe bequipment.
Failure bto bdistinguish bthe bfire bcaused bthe bloss.
INSURANCE LAW EXAM NEWEST UPDATED
QUESTIONS WITH CORRECT ANSWERS ALREADY
GRADED A+
Material bFact b b b b...ANSWER... b b bEvery bcircumstance bis bmaterial bthat bwill
beffect bthe bjudgement bof ba bprudent binsurer bin bfixing bthe bpremium bor
bdetermining bwhether bto btake bthe brisk.
Davies bv bBennison b(1927) b b b b...ANSWER... b b bDefendants bcat bwas bshot
bwhilst bon btheir broof.
It bwas bheld bthat bthis bwas btrespass bto bland b(bullet bpassed bover bclaimants
bproperty) band btrespass bto bgoods b(the bcat)
Hamps bv bDerby b(1948) b b b b...ANSWER... b b bHeld bthat bshooting bsomeones
bracing bpidgeons bamounts bto btrespass bto bgoods.
Burnard bv bRodocandi b(1882) b b b b...ANSWER... b b bInsurers bpaid ba bclaim bfor
bdamaged bcargo bwhich bhad bbeen bdestroyed bby ba bconfederate bcruiser.
,ASCORERS STUVIA
The bpolicy bdid bnot bcove bthe bloss bin bfull.
Difference bwas bmade bup bby ba bgracious bpayment bfrom bUS bcongress.
Terms bof bthe bpayment bstipulated bthat bno bbenefit bwas bto bgo bto bunderwriters.
The binsured bwas bnot bable bto bclaim bby bway bof bsubrogation bof bmoney bpaid
bby bway bof ba bgift.
Merret bv bCapital bIndemnity bCorporation b(1991) b b b b...ANSWER... b b bIt bwas
bheld bthat bliability binsurers bcould bkeep ba bgift bfrom bbroker bwhich bhad bbeen
bmade bto bpartly bfund ba bloss, beven bthough bthe bloss bhad bbeen bcovered bby bRI.
The bRI's bwere bnot ballowed bto bdeduct bthe bamount bfrom bthe bRI bclaim.
Christie bv bDavey b(1893) b b b b...ANSWER... b b bClaimant bwas ba bmusic bteacher
bwho bgave blessons bat bher bhome band bher bfamily benjoyed bplaying bmusic.
Her bhouse bwas battached bto bthe bdefendants bwho bhad bcomplained bon bmany
boccasions bbut bto bno bavail.
He btook bto bbanging bon bthe bwalls band bbeating btrays band bshouting bin
bretaliation.
,ASCORERS STUVIA
It bwas bheld bthat bthe bdefendants bactions bwere bmotivated bby bmalice band
btherefore bdid bnot bconstitute ba bnusiance.
An binjunction bwas bgranted bto brestrain bhis bactions.
Central bLondon bProperty bTrust bv bHigh bTrees bHouse b(1947) b b b
b...ANSWER... b b bLandlord blet ba bblock bof bflats bto btenants bfor b£2500 bper
byear.
During bwar bhe bstruggled bto bfind btenants band bclaimant bagreed bby bletter bto
breduce bcurrent btenants brent bto b£1250 ba byear.
Then bin b1945 bthe bclaimant bclaimed brent bowing bfrom b1941 bof b£2500 ba byear
bon bthe bbasis bthat bno bconsideration bhad bbeen bgiven bfor btheir bagreement bto
breduce bit.
Judges bheld bthat bby bthe btenants breducing bmonthly bamounts bthis bwas
bconsideration.
Judges bheld bthat bhigher brent bcould bbe bpayable bnow bbut bcouldn't bgo bback bon
bhis bpromise.
Promissory bestoppel.
, ASCORERS STUVIA
Simcock bv bScottish bImperial bInsurance bCo b(1902) b b b b...ANSWER... b b bA
bbutcher binsured bthe blife bof bhis bright bhand bman.
Upon bloss bhe bclaimed bunder bhis bpolicy.
It bwas bheld bthat bthe bamount bpayable bwas bfor bone bweeks bwages, bthe bnotice
bperiod bof bthe bright bhand bman.
Harse bv bPearl bLife bAssurance bCo b(1904) b b b b...ANSWER... b b bSon blived bwith
bhis bmum bwho bcared band bkept bfor bhim.
He bclaimed bthat bthe bmoney bpaid bout bwas bto bcover bfuneral bcosts.
Held bthat bthe bpolicy bwas bvoid bfor black bof binsurable binterest, bthe bson bdid bnot
bstand bto blose bfinancially bon bdeath bof bhis bmother, bno blegal bobligation bto
bbury bher.
Manifest bShipping bCo bv buni bPolaris bShipping bCo b(2001) bThe bStar bSea b b b
b...ANSWER... b b bThe binsured bvessel bwas bput bto bsea bin bwhat bwas bheld bto bbe
ban bunseaworthy bstate bbecause bof bdefects bin bits bfire bfighting bequipment band
bthe bmasters bignorance bregarding bthe boperation bof bthe bequipment.
Failure bto bdistinguish bthe bfire bcaused bthe bloss.
