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If you pay for some of the loss yourself before the insurer pays the rest, that’s called…
Policy excess
What’s a no-claims bonus?
A discount for not making a claim
If you have the same item insured by two companies and they both share the cost of the claim, that’s called…
Contribution
Which principle says the insurer takes ownership of an item once they’ve paid compensation?
Subrogation
Which principle means you can’t make a profit from insurance?
Indemnity
Which insurance type is required by law in Ireland?
Motor (car) insurance
What is life assurance?
Protection in case someone dies
Which insurance would cover you if your holiday flight gets cancelled?
Travel insurance
Home insurance covers what two main things?
Buildings and contents
Which type of car insurance covers everything, including damage to your own car?
Comprehensive
If you’re under-insured, what does that mean?
You haven’t insured the item for its full value
What does PRSI stand for?
Pay Related Social Insurance
If you lie on your proposal form, you’re breaking which principle of insurance?
Utmost Good Faith
What is compensation?
The money paid out after a loss
Who helps you compare prices between insurance companies?
Insurance broker
True or False: Insurance can always put people’s lives fully back together after a loss.
False
What is the money paid for insurance called?
Premium
What is insurance
Financial protection against a possible loss.
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