Certificate Of Insurance
Gbogbo ọrọ náà
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.
Ebumnobi
- 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
Akọmọ Ojú-ẹkọ
Yi rajista ka ci gaba
Kpọpụta akaụntụ n’efu ka ị nweta ohere na ihe ọmụmụ niile, ajụjụ omume, ma soro mmepe gị.
Ayẹwo Ẹkọ
Ekele diri gi maka imecha ihe karịrị na Certificate Of Insurance. Ugbu a na ị na-enyochakwa isi echiche na echiche ndị dị mkpa, ọ bụ oge iji nwalee ihe ị ma. Ngwa a na-enye ụdị ajụjụ ọmụmụ dị iche iche emebere iji kwado nghọta gị wee nyere gị aka ịmata otú ị ghọtara ihe ndị a kụziri.
Ị ga-ahụ ngwakọta nke ụdị ajụjụ dị iche iche, gụnyere ajụjụ chọrọ ịhọrọ otu n’ime ọtụtụ azịza, ajụjụ chọrọ mkpirisi azịza, na ajụjụ ede ede. A na-arụpụta ajụjụ ọ bụla nke ọma iji nwalee akụkụ dị iche iche nke ihe ọmụma gị na nkà nke ịtụgharị uche.
Jiri akụkụ a nke nyocha ka ohere iji kụziere ihe ị matara banyere isiokwu ahụ ma chọpụta ebe ọ bụla ị nwere ike ịchọ ọmụmụ ihe ọzọ. Ekwela ka nsogbu ọ bụla ị na-eche ihu mee ka ị daa mba; kama, lee ha anya dị ka ohere maka ịzụlite onwe gị na imeziwanye.
- 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 rajista ka ci gaba
Kpọpụta akaụntụ n’efu ka ị nweta ohere na ihe ọmụmụ niile, ajụjụ omume, ma soro mmepe gị.
Yi rajista ka ci gaba
Kpọpụta akaụntụ n’efu ka ị nweta ohere na ihe ọmụmụ niile, ajụjụ omume, ma soro mmepe gị.
Àwọn Ìwé Tó Dáa Láti Kà
Àwọn Ìbéèrè Tó Ti Kọjá
Nna, you dey wonder how past questions for this topic be? Here be some questions about Certificate Of Insurance from previous years.
Ajụjụ 1 Ripọtì
(a)List seven contents of a certificate of insurance.
(b)State four characteristics of a cover note.