Certificate Of Insurance
Bayani Gaba-gaba
You almost never see your insurance policy. It sits in a drawer, thirty pages of clauses you will read only if something goes wrong. What you carry, show and produce is something much smaller: a single sheet called the certificate of insurance. When a police officer at a checkpoint in Lagos asks a driver to prove the car is insured, it is the certificate he wants to see, not the policy.
This lesson explains what a certificate of insurance is, why the law in some classes of business insists on one, and how the certificates used in motor, marine and employer's liability insurance each do a slightly different job. You will learn exactly what a motor certificate must show, why a Nigerian motorist may not drive without it, and how to tell a certificate apart from the policy it stands for: a distinction examiners test almost every year.
Manufura
- Define a certificate of insurance and explain its evidential purpose
- Describe the certificate used in motor insurance and state its statutory role
- Describe the certificates used in marine and in employer's liability insurance
- Distinguish the certificate of insurance from the policy document
Takardar Darasi
Yi Rijista don Ci Gaba
Ƙirƙiri asusu kyauta don samun damar duk kayan koyo, tambayoyin atisaye, da kuma bibiyar ci gaban ka.
Nazarin Darasi
Barka da kammala darasi akan Certificate Of Insurance. Yanzu da kuka bincika mahimman raayoyi da raayoyi, lokaci yayi da zaku gwada ilimin ku. Wannan sashe yana ba da ayyuka iri-iri Tambayoyin da aka tsara don ƙarfafa fahimtar ku da kuma taimaka muku auna fahimtar ku game da kayan.
Za ka gamu da haɗe-haɗen nau'ikan tambayoyi, ciki har da tambayoyin zaɓi da yawa, tambayoyin gajeren amsa, da tambayoyin rubutu. Kowace tambaya an ƙirƙira ta da kyau don auna fannoni daban-daban na iliminka da ƙwarewar tunani mai zurfi.
Yi wannan ɓangaren na kimantawa a matsayin wata dama don ƙarfafa fahimtarka kan batun kuma don gano duk wani yanki da kake buƙatar ƙarin karatu. Kada ka yanke ƙauna da duk wani ƙalubale da ka fuskanta; maimakon haka, ka kallesu a matsayin damar haɓaka da ingantawa.
- A certificate of insurance is best described as: A. The full contract between insurer and insured B. Evidence that a contract of insurance exists and is in force C. A receipt for the premium paid D. A proposal form completed by the insured Answer: B
- Which document must a Nigerian motorist produce to a police officer on demand? A. The policy document B. The proposal form C. The certificate of insurance D. The premium receipt Answer: C
- Which of the following is NOT normally shown on a motor certificate of insurance? A. The registration mark of the vehicle B. The persons entitled to drive C. The full list of policy exceptions D. The date the cover expires Answer: C
- A certificate of marine insurance issued under an open cover is usually: A. Fixed to one shipment and cannot be passed on B. Transferable to a buyer by endorsement C. The same document as the ship's log D. Issued only after the goods are lost Answer: B
- An employer's liability certificate is typically: A. Kept secret from employees B. Displayed at the workplace as evidence of cover C. Handed to each customer D. Produced only to the police Answer: B
Yi Rijista don Ci Gaba
Ƙirƙiri asusu kyauta don samun damar duk kayan koyo, tambayoyin atisaye, da kuma bibiyar ci gaban ka.
Yi Rijista don Ci Gaba
Ƙirƙiri asusu kyauta don samun damar duk kayan koyo, tambayoyin atisaye, da kuma bibiyar ci gaban ka.
Littattafan da ake ba da shawarar karantawa
Tambayoyin Da Suka Wuce
Kana ka na mamaki yadda tambayoyin baya na wannan batu suke? Ga wasu tambayoyi da suka shafi Certificate Of Insurance daga shekarun baya.
Tambaya 1 Rahoto
(a)List seven contents of a certificate of insurance.
(b)State four characteristics of a cover note.