{"id":765,"date":"2023-06-25T10:39:36","date_gmt":"2023-06-25T10:39:36","guid":{"rendered":"https:\/\/exam.real4prep.com\/?p=765"},"modified":"2023-06-25T10:39:36","modified_gmt":"2023-06-25T10:39:36","slug":"first-attempt-guaranteed-success-in-if1-exam-2023-q58-q78","status":"publish","type":"post","link":"https:\/\/exam.real4prep.com\/de\/2023\/06\/25\/first-attempt-guaranteed-success-in-if1-exam-2023-q58-q78\/","title":{"rendered":"First Attempt Guaranteed Success in IF1 Exam 2023 [Q58-Q78]"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-left kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;left&quot;,&quot;id&quot;:&quot;765&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Rate this post&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;First Attempt Guaranteed Success in IF1 Exam 2023 [Q58-Q78]&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" 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  <\/div>\n<p><span style=\"color: red;font-size: 18px\"><strong>First Attempt Guaranteed Success in IF1 Exam 2023<\/strong><\/span><\/p>\n<p><span style=\"color: red\"><strong>Real IF1 Exam Questions are the Best Preparation Material<\/strong><\/span><\/p>\n<div id=\"watu_quiz\" class=\"quiz-area single-page-quiz\">\n<form action=\"\" method=\"post\" class=\"quiz-form \" id=\"quiz-331\" >\n<div class='watu-question' id='question-1'><div class='question-content'><p><strong>NEW QUESTION 58<\/strong><br \/>How would an insurer&#8217;s portfolio of motor claims be shown in terms of frequency and severity?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6486' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25177' \/><div class='watu-question-choice'><input type='radio' name='answer-6486[]' id='answer-id-25177' class='answer answer-1 js-answer-label answerof-6486' value='25177' \/>&nbsp;<label for='answer-id-25177' id='answer-label-25177' class='js-answer-label answer label-1'><span class='answer'>Low frequency, high seventy.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25178' \/><div class='watu-question-choice'><input type='radio' name='answer-6486[]' id='answer-id-25178' class='answer answer-1 js-answer-label answerof-6486' value='25178' \/>&nbsp;<label for='answer-id-25178' id='answer-label-25178' class='js-answer-label answer label-1'><span class='answer'>High frequency, high seventy.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25179' \/><div class='watu-question-choice'><input type='radio' name='answer-6486[]' id='answer-id-25179' class='answer answer-1 js-answer-label answerof-6486' value='25179' \/>&nbsp;<label for='answer-id-25179' id='answer-label-25179' class='js-answer-label answer label-1'><span class='answer'>Low frequency, low seventy.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25180' \/><div class='watu-question-choice'><input type='radio' name='answer-6486[]' id='answer-id-25180' class='answer answer-1 php-answer-label answerof-6486' value='25180' \/>&nbsp;<label for='answer-id-25180' id='answer-label-25180' class='php-answer-label answer label-1'><span class='answer'>High frequency, low severity.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(1,this)' id='btn-1' value='See Answer'  \/><input type='hidden' id='questionType1' value='radio' class=''><\/div><div class='watu-question' id='question-2'><div class='question-content'><p><strong>NEW QUESTION 59<\/strong><br \/>The Principles for Business slate that all customers should be treated<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6487' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25181' \/><div class='watu-question-choice'><input type='radio' name='answer-6487[]' id='answer-id-25181' class='answer answer-2 js-answer-label answerof-6487' value='25181' \/>&nbsp;<label for='answer-id-25181' id='answer-label-25181' class='js-answer-label answer label-2'><span class='answer'>to a minimum standard.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25182' \/><div class='watu-question-choice'><input type='radio' name='answer-6487[]' id='answer-id-25182' class='answer answer-2 php-answer-label answerof-6487' value='25182' \/>&nbsp;<label for='answer-id-25182' id='answer-label-25182' class='php-answer-label answer label-2'><span class='answer'>fairly.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25183' \/><div class='watu-question-choice'><input type='radio' name='answer-6487[]' id='answer-id-25183' class='answer answer-2 js-answer-label answerof-6487' value='25183' \/>&nbsp;<label for='answer-id-25183' id='answer-label-25183' class='js-answer-label answer label-2'><span class='answer'>equally.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25184' \/><div class='watu-question-choice'><input type='radio' name='answer-6487[]' id='answer-id-25184' class='answer answer-2 js-answer-label answerof-6487' value='25184' \/>&nbsp;<label for='answer-id-25184' id='answer-label-25184' class='js-answer-label answer label-2'><span class='answer'>with due respect.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(2,this)' id='btn-2' value='See Answer'  \/><input type='hidden' id='questionType2' value='radio' class=''><\/div><div class='watu-question' id='question-3'><div class='question-content'><p><strong>NEW QUESTION 60<\/strong><br \/>Reinsurance is usually purchased by the<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6488' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25185' \/><div class='watu-question-choice'><input type='radio' name='answer-6488[]' id='answer-id-25185' class='answer answer-3 js-answer-label answerof-6488' value='25185' \/>&nbsp;<label for='answer-id-25185' id='answer-label-25185' class='js-answer-label answer label-3'><span class='answer'>intermediary.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25186' \/><div class='watu-question-choice'><input type='radio' name='answer-6488[]' id='answer-id-25186' class='answer answer-3 php-answer-label answerof-6488' value='25186' \/>&nbsp;<label for='answer-id-25186' id='answer-label-25186' class='php-answer-label answer label-3'><span class='answer'>insurer.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25187' \/><div class='watu-question-choice'><input type='radio' name='answer-6488[]' id='answer-id-25187' class='answer answer-3 js-answer-label answerof-6488' value='25187' \/>&nbsp;<label for='answer-id-25187' id='answer-label-25187' class='js-answer-label answer label-3'><span class='answer'>regulator.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25188' \/><div class='watu-question-choice'><input type='radio' name='answer-6488[]' id='answer-id-25188' class='answer answer-3 js-answer-label answerof-6488' value='25188' \/>&nbsp;<label for='answer-id-25188' id='answer-label-25188' class='js-answer-label answer label-3'><span class='answer'>insured.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(3,this)' id='btn-3' value='See Answer'  \/><input type='hidden' id='questionType3' value='radio' class=''><\/div><div class='watu-question' id='question-4'><div class='question-content'><p><strong>NEW QUESTION 61<\/strong><br \/>If a firm is said to be risk averse, this means that it<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6489' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25189' \/><div class='watu-question-choice'><input type='radio' name='answer-6489[]' id='answer-id-25189' class='answer answer-4 js-answer-label answerof-6489' value='25189' \/>&nbsp;<label for='answer-id-25189' id='answer-label-25189' class='js-answer-label answer label-4'><span class='answer'>arranges insurance protection wherever possible.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25190' \/><div class='watu-question-choice'><input type='radio' name='answer-6489[]' id='answer-id-25190' class='answer answer-4 js-answer-label answerof-6489' value='25190' \/>&nbsp;<label for='answer-id-25190' id='answer-label-25190' class='js-answer-label answer label-4'><span class='answer'>undertakes its own risk management research.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25191' \/><div class='watu-question-choice'><input type='radio' name='answer-6489[]' id='answer-id-25191' class='answer answer-4 php-answer-label answerof-6489' value='25191' \/>&nbsp;<label for='answer-id-25191' id='answer-label-25191' class='php-answer-label answer label-4'><span class='answer'>carries its own risk wherever possible.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25192' \/><div class='watu-question-choice'><input type='radio' name='answer-6489[]' id='answer-id-25192' class='answer answer-4 js-answer-label answerof-6489' value='25192' \/>&nbsp;<label for='answer-id-25192' id='answer-label-25192' class='js-answer-label answer label-4'><span class='answer'>tenders its insurance needs to the market.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(4,this)' id='btn-4' value='See Answer'  \/><input type='hidden' id='questionType4' value='radio' class=''><\/div><div class='watu-question' id='question-5'><div class='question-content'><p><strong>NEW QUESTION 62<\/strong><br \/>The Financial Services Compensation Scheme was established to help policyholders in the event of<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6490' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25193' \/><div class='watu-question-choice'><input type='radio' name='answer-6490[]' id='answer-id-25193' class='answer answer-5 js-answer-label answerof-6490' value='25193' \/>&nbsp;<label for='answer-id-25193' id='answer-label-25193' class='js-answer-label answer label-5'><span class='answer'>unreasonable policy terms and conditions.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25194' \/><div class='watu-question-choice'><input type='radio' name='answer-6490[]' id='answer-id-25194' class='answer answer-5 php-answer-label answerof-6490' value='25194' \/>&nbsp;<label for='answer-id-25194' id='answer-label-25194' class='php-answer-label answer label-5'><span class='answer'>the financial failure of an insurance company.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25195' \/><div class='watu-question-choice'><input type='radio' name='answer-6490[]' id='answer-id-25195' class='answer answer-5 js-answer-label answerof-6490' value='25195' \/>&nbsp;<label for='answer-id-25195' id='answer-label-25195' class='js-answer-label answer label-5'><span class='answer'>the repudiation of liability by an insurer.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25196' \/><div class='watu-question-choice'><input type='radio' name='answer-6490[]' id='answer-id-25196' class='answer answer-5 js-answer-label answerof-6490' value='25196' \/>&nbsp;<label for='answer-id-25196' id='answer-label-25196' class='js-answer-label answer label-5'><span class='answer'>fraud perpetrated by an insurance broker.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(5,this)' id='btn-5' value='See Answer'  \/><input type='hidden' id='questionType5' value='radio' class=''><\/div><div class='watu-question' id='question-6'><div class='question-content'><p><strong>NEW QUESTION 63<\/strong><br \/>Bye-laws are passed at the Lloyd&#8217;s Market by the<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6491' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25197' \/><div class='watu-question-choice'><input type='radio' name='answer-6491[]' id='answer-id-25197' class='answer answer-6 js-answer-label answerof-6491' value='25197' \/>&nbsp;<label for='answer-id-25197' id='answer-label-25197' class='js-answer-label answer label-6'><span class='answer'>Corporation of Lloyd&#8217;s.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25198' \/><div class='watu-question-choice'><input type='radio' name='answer-6491[]' id='answer-id-25198' class='answer answer-6 js-answer-label answerof-6491' value='25198' \/>&nbsp;<label for='answer-id-25198' id='answer-label-25198' class='js-answer-label answer label-6'><span class='answer'>Lloyd&#8217;s Market Association.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25199' \/><div class='watu-question-choice'><input type='radio' name='answer-6491[]' id='answer-id-25199' class='answer answer-6 js-answer-label answerof-6491' value='25199' \/>&nbsp;<label for='answer-id-25199' id='answer-label-25199' class='js-answer-label answer label-6'><span class='answer'>Lloyds Managing Agent.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25200' \/><div class='watu-question-choice'><input type='radio' name='answer-6491[]' id='answer-id-25200' class='answer answer-6 php-answer-label answerof-6491' value='25200' \/>&nbsp;<label for='answer-id-25200' id='answer-label-25200' class='php-answer-label answer label-6'><span class='answer'>Council of Lloyd&#8217;s.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(6,this)' id='btn-6' value='See Answer'  \/><input type='hidden' id='questionType6' value='radio' class=''><\/div><div class='watu-question' id='question-7'><div class='question-content'><p><strong>NEW QUESTION 64<\/strong><br \/>A firm of insurance brokers holds client records on an index card system and does NOT intend to computerise this information. In what circumstances, if any, will these records be covered by the Data Protection Act 2018?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6492' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25201' \/><div class='watu-question-choice'><input type='radio' name='answer-6492[]' id='answer-id-25201' class='answer answer-7 js-answer-label answerof-6492' value='25201' \/>&nbsp;<label for='answer-id-25201' id='answer-label-25201' class='js-answer-label answer label-7'><span class='answer'>Only if the records include dates of birth.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25202' \/><div class='watu-question-choice'><input type='radio' name='answer-6492[]' id='answer-id-25202' class='answer answer-7 php-answer-label answerof-6492' value='25202' \/>&nbsp;<label for='answer-id-25202' id='answer-label-25202' class='php-answer-label answer label-7'><span class='answer'>In all circumstances.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25203' \/><div class='watu-question-choice'><input type='radio' name='answer-6492[]' id='answer-id-25203' class='answer answer-7 js-answer-label answerof-6492' value='25203' \/>&nbsp;<label for='answer-id-25203' id='answer-label-25203' class='js-answer-label answer label-7'><span class='answer'>Only if the records include details of race.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25204' \/><div class='watu-question-choice'><input type='radio' name='answer-6492[]' id='answer-id-25204' class='answer answer-7 js-answer-label answerof-6492' value='25204' \/>&nbsp;<label for='answer-id-25204' id='answer-label-25204' class='js-answer-label answer label-7'><span class='answer'>In no circumstances.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(7,this)' id='btn-7' value='See Answer'  \/><input type='hidden' id='questionType7' value='radio' class=''><\/div><div class='watu-question' id='question-8'><div class='question-content'><p><strong>NEW QUESTION 65<\/strong><br \/>Harry owns a sports car valued at \u00a31.000 and agrees to sell it to Ben for \u00a3500. Ben discusses this with his solicitor who states the contract is<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6493' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25205' \/><div class='watu-question-choice'><input type='radio' name='answer-6493[]' id='answer-id-25205' class='answer answer-8 js-answer-label answerof-6493' value='25205' \/>&nbsp;<label for='answer-id-25205' id='answer-label-25205' class='js-answer-label answer label-8'><span class='answer'>unenforceable as the consideration is inadequate.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25206' \/><div class='watu-question-choice'><input type='radio' name='answer-6493[]' id='answer-id-25206' class='answer answer-8 php-answer-label answerof-6493' value='25206' \/>&nbsp;<label for='answer-id-25206' id='answer-label-25206' class='php-answer-label answer label-8'><span class='answer'>enforceable as consideration does not need to be adequate.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25207' \/><div class='watu-question-choice'><input type='radio' name='answer-6493[]' id='answer-id-25207' class='answer answer-8 js-answer-label answerof-6493' value='25207' \/>&nbsp;<label for='answer-id-25207' id='answer-label-25207' class='js-answer-label answer label-8'><span class='answer'>enforceable but only if Harry does not refute the contract within six months of the contract date.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25208' \/><div class='watu-question-choice'><input type='radio' name='answer-6493[]' id='answer-id-25208' class='answer answer-8 js-answer-label answerof-6493' value='25208' \/>&nbsp;<label for='answer-id-25208' id='answer-label-25208' class='js-answer-label answer label-8'><span class='answer'>unenforceable unless Harry signs a disclaimer acknowledging the consideration as acceptable.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(8,this)' id='btn-8' value='See Answer'  \/><input type='hidden' id='questionType8' value='radio' class=''><\/div><div class='watu-question' id='question-9'><div class='question-content'><p><strong>NEW QUESTION 66<\/strong><br \/>If an insurer invokes the cancellation clause to cancel a policy mid-year due to a change in the risk, how much of the premium, if anything, is normally returned to the policyholder?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6494' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25209' \/><div class='watu-question-choice'><input type='radio' name='answer-6494[]' id='answer-id-25209' class='answer answer-9 php-answer-label answerof-6494' value='25209' \/>&nbsp;<label for='answer-id-25209' id='answer-label-25209' class='php-answer-label answer label-9'><span class='answer'>The full year&#8217;s premium less a fixed nominal charge.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25210' \/><div class='watu-question-choice'><input type='radio' name='answer-6494[]' id='answer-id-25210' class='answer answer-9 js-answer-label answerof-6494' value='25210' \/>&nbsp;<label for='answer-id-25210' id='answer-label-25210' class='js-answer-label answer label-9'><span class='answer'>The full year&#8217;s premium.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25211' \/><div class='watu-question-choice'><input type='radio' name='answer-6494[]' id='answer-id-25211' class='answer answer-9 js-answer-label answerof-6494' value='25211' \/>&nbsp;<label for='answer-id-25211' id='answer-label-25211' class='js-answer-label answer label-9'><span class='answer'>None of the premium.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25212' \/><div class='watu-question-choice'><input type='radio' name='answer-6494[]' id='answer-id-25212' class='answer answer-9 js-answer-label answerof-6494' value='25212' \/>&nbsp;<label for='answer-id-25212' id='answer-label-25212' class='js-answer-label answer label-9'><span class='answer'>A pro rata amount.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(9,this)' id='btn-9' value='See Answer'  \/><input type='hidden' id='questionType9' value='radio' class=''><\/div><div class='watu-question' id='question-10'><div class='question-content'><p><strong>NEW QUESTION 67<\/strong><br \/>What is the basis of settlement under a new for old insurance policy if a television is stolen?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6495' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25213' \/><div class='watu-question-choice'><input type='radio' name='answer-6495[]' id='answer-id-25213' class='answer answer-10 js-answer-label answerof-6495' value='25213' \/>&nbsp;<label for='answer-id-25213' id='answer-label-25213' class='js-answer-label answer label-10'><span class='answer'>The original cost in full.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25214' \/><div class='watu-question-choice'><input type='radio' name='answer-6495[]' id='answer-id-25214' class='answer answer-10 js-answer-label answerof-6495' value='25214' \/>&nbsp;<label for='answer-id-25214' id='answer-label-25214' class='js-answer-label answer label-10'><span class='answer'>The original cost, less wear and tear.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25215' \/><div class='watu-question-choice'><input type='radio' name='answer-6495[]' id='answer-id-25215' class='answer answer-10 js-answer-label answerof-6495' value='25215' \/>&nbsp;<label for='answer-id-25215' id='answer-label-25215' class='js-answer-label answer label-10'><span class='answer'>The replacement cost in full.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25216' \/><div class='watu-question-choice'><input type='radio' name='answer-6495[]' id='answer-id-25216' class='answer answer-10 php-answer-label answerof-6495' value='25216' \/>&nbsp;<label for='answer-id-25216' id='answer-label-25216' class='php-answer-label answer label-10'><span class='answer'>The replacement cost, less wear and tear.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(10,this)' id='btn-10' value='See Answer'  \/><input type='hidden' id='questionType10' value='radio' class=''><\/div><div class='watu-question' id='question-11'><div class='question-content'><p><strong>NEW QUESTION 68<\/strong><br \/>What type of risk is a widespread natural disaster?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6496' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25217' \/><div class='watu-question-choice'><input type='radio' name='answer-6496[]' id='answer-id-25217' class='answer answer-11 js-answer-label answerof-6496' value='25217' \/>&nbsp;<label for='answer-id-25217' id='answer-label-25217' class='js-answer-label answer label-11'><span class='answer'>A pure risk.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25218' \/><div class='watu-question-choice'><input type='radio' name='answer-6496[]' id='answer-id-25218' class='answer answer-11 js-answer-label answerof-6496' value='25218' \/>&nbsp;<label for='answer-id-25218' id='answer-label-25218' class='js-answer-label answer label-11'><span class='answer'>A speculative risk.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25219' \/><div class='watu-question-choice'><input type='radio' name='answer-6496[]' id='answer-id-25219' class='answer answer-11 js-answer-label answerof-6496' value='25219' \/>&nbsp;<label for='answer-id-25219' id='answer-label-25219' class='js-answer-label answer label-11'><span class='answer'>A particular risk.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25220' \/><div class='watu-question-choice'><input type='radio' name='answer-6496[]' id='answer-id-25220' class='answer answer-11 php-answer-label answerof-6496' value='25220' \/>&nbsp;<label for='answer-id-25220' id='answer-label-25220' class='php-answer-label answer label-11'><span class='answer'>A fundamental risk.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(11,this)' id='btn-11' value='See Answer'  \/><input type='hidden' id='questionType11' value='radio' class=''><\/div><div class='watu-question' id='question-12'><div class='question-content'><p><strong>NEW QUESTION 69<\/strong><br \/>Under common law. when does the insured&#8217;s duly of fair presentation cease with regard to declarations that do NOT affect policy cover?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6497' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25221' \/><div class='watu-question-choice'><input type='radio' name='answer-6497[]' id='answer-id-25221' class='answer answer-12 js-answer-label answerof-6497' value='25221' \/>&nbsp;<label for='answer-id-25221' id='answer-label-25221' class='js-answer-label answer label-12'><span class='answer'>When the policy contract lakes effect.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25222' \/><div class='watu-question-choice'><input type='radio' name='answer-6497[]' id='answer-id-25222' class='answer answer-12 js-answer-label answerof-6497' value='25222' \/>&nbsp;<label for='answer-id-25222' id='answer-label-25222' class='js-answer-label answer label-12'><span class='answer'>When a claim is paid.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25223' \/><div class='watu-question-choice'><input type='radio' name='answer-6497[]' id='answer-id-25223' class='answer answer-12 js-answer-label answerof-6497' value='25223' \/>&nbsp;<label for='answer-id-25223' id='answer-label-25223' class='js-answer-label answer label-12'><span class='answer'>When a claim is submitted.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25224' \/><div class='watu-question-choice'><input type='radio' name='answer-6497[]' id='answer-id-25224' class='answer answer-12 php-answer-label answerof-6497' value='25224' \/>&nbsp;<label for='answer-id-25224' id='answer-label-25224' class='php-answer-label answer label-12'><span class='answer'>At renewal.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(12,this)' id='btn-12' value='See Answer'  \/><input type='hidden' id='questionType12' value='radio' class=''><\/div><div class='watu-question' id='question-13'><div class='question-content'><p><strong>NEW QUESTION 70<\/strong><br \/>Why is effective risk management important to an insurer?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6498' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25225' \/><div class='watu-question-choice'><input type='radio' name='answer-6498[]' id='answer-id-25225' class='answer answer-13 js-answer-label answerof-6498' value='25225' \/>&nbsp;<label for='answer-id-25225' id='answer-label-25225' class='js-answer-label answer label-13'><span class='answer'>It increases premium income.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25226' \/><div class='watu-question-choice'><input type='radio' name='answer-6498[]' id='answer-id-25226' class='answer answer-13 js-answer-label answerof-6498' value='25226' \/>&nbsp;<label for='answer-id-25226' id='answer-label-25226' class='js-answer-label answer label-13'><span class='answer'>It always reduces costs.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25227' \/><div class='watu-question-choice'><input type='radio' name='answer-6498[]' id='answer-id-25227' class='answer answer-13 js-answer-label answerof-6498' value='25227' \/>&nbsp;<label for='answer-id-25227' id='answer-label-25227' class='js-answer-label answer label-13'><span class='answer'>It increases the insurer&#8217;s capacity.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25228' \/><div class='watu-question-choice'><input type='radio' name='answer-6498[]' id='answer-id-25228' class='answer answer-13 php-answer-label answerof-6498' value='25228' \/>&nbsp;<label for='answer-id-25228' id='answer-label-25228' class='php-answer-label answer label-13'><span class='answer'>It helps to reduce a company&#8217;s loss exposure.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(13,this)' id='btn-13' value='See Answer'  \/><input type='hidden' id='questionType13' value='radio' class=''><\/div><div class='watu-question' id='question-14'><div class='question-content'><p><strong>NEW QUESTION 71<\/strong><br \/>What is the legal standing of the Charioted Insurance Institute&#8217;s Code of Ethics?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6499' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25229' \/><div class='watu-question-choice'><input type='radio' name='answer-6499[]' id='answer-id-25229' class='answer answer-14 js-answer-label answerof-6499' value='25229' \/>&nbsp;<label for='answer-id-25229' id='answer-label-25229' class='js-answer-label answer label-14'><span class='answer'>It has full force of Jaw except where overridden by pre-existing Acts.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25230' \/><div class='watu-question-choice'><input type='radio' name='answer-6499[]' id='answer-id-25230' class='answer answer-14 php-answer-label answerof-6499' value='25230' \/>&nbsp;<label for='answer-id-25230' id='answer-label-25230' class='php-answer-label answer label-14'><span class='answer'>It does not have the force of law.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25231' \/><div class='watu-question-choice'><input type='radio' name='answer-6499[]' id='answer-id-25231' class='answer answer-14 js-answer-label answerof-6499' value='25231' \/>&nbsp;<label for='answer-id-25231' id='answer-label-25231' class='js-answer-label answer label-14'><span class='answer'>It has full stand-alone legal recognition.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25232' \/><div class='watu-question-choice'><input type='radio' name='answer-6499[]' id='answer-id-25232' class='answer answer-14 js-answer-label answerof-6499' value='25232' \/>&nbsp;<label for='answer-id-25232' id='answer-label-25232' class='js-answer-label answer label-14'><span class='answer'>It is to be applied in conjunction with existing Acts.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(14,this)' id='btn-14' value='See Answer'  \/><input type='hidden' id='questionType14' value='radio' class=''><\/div><div class='watu-question' id='question-15'><div class='question-content'><p><strong>NEW QUESTION 72<\/strong><br \/>An insurance company has employed an individual from a rival firm to carry out a similar job. At which stage would the regulatory requirements for retaining training and competence records first apply to the new employee, if at all?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6500' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25233' \/><div class='watu-question-choice'><input type='radio' name='answer-6500[]' id='answer-id-25233' class='answer answer-15 js-answer-label answerof-6500' value='25233' \/>&nbsp;<label for='answer-id-25233' id='answer-label-25233' class='js-answer-label answer label-15'><span class='answer'>From the initial interview.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25234' \/><div class='watu-question-choice'><input type='radio' name='answer-6500[]' id='answer-id-25234' class='answer answer-15 js-answer-label answerof-6500' value='25234' \/>&nbsp;<label for='answer-id-25234' id='answer-label-25234' class='js-answer-label answer label-15'><span class='answer'>It would not apply, as the employee is already fully competent.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25235' \/><div class='watu-question-choice'><input type='radio' name='answer-6500[]' id='answer-id-25235' class='answer answer-15 js-answer-label answerof-6500' value='25235' \/>&nbsp;<label for='answer-id-25235' id='answer-label-25235' class='js-answer-label answer label-15'><span class='answer'>Within 18 months of employment.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25236' \/><div class='watu-question-choice'><input type='radio' name='answer-6500[]' id='answer-id-25236' class='answer answer-15 php-answer-label answerof-6500' value='25236' \/>&nbsp;<label for='answer-id-25236' id='answer-label-25236' class='php-answer-label answer label-15'><span class='answer'>When the employee first has contact with members of the public.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(15,this)' id='btn-15' value='See Answer'  \/><input type='hidden' id='questionType15' value='radio' class=''><\/div><div class='watu-question' id='question-16'><div class='question-content'><p><strong>NEW QUESTION 73<\/strong><br \/>The purpose of Insurance Premium Tax is to<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6501' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25237' \/><div class='watu-question-choice'><input type='radio' name='answer-6501[]' id='answer-id-25237' class='answer answer-16 js-answer-label answerof-6501' value='25237' \/>&nbsp;<label for='answer-id-25237' id='answer-label-25237' class='js-answer-label answer label-16'><span class='answer'>pay for flood defences.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25238' \/><div class='watu-question-choice'><input type='radio' name='answer-6501[]' id='answer-id-25238' class='answer answer-16 php-answer-label answerof-6501' value='25238' \/>&nbsp;<label for='answer-id-25238' id='answer-label-25238' class='php-answer-label answer label-16'><span class='answer'>raise revenue for the Government.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25239' \/><div class='watu-question-choice'><input type='radio' name='answer-6501[]' id='answer-id-25239' class='answer answer-16 js-answer-label answerof-6501' value='25239' \/>&nbsp;<label for='answer-id-25239' id='answer-label-25239' class='js-answer-label answer label-16'><span class='answer'>reimburse for claims of insolvent insurers<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25240' \/><div class='watu-question-choice'><input type='radio' name='answer-6501[]' id='answer-id-25240' class='answer answer-16 js-answer-label answerof-6501' value='25240' \/>&nbsp;<label for='answer-id-25240' id='answer-label-25240' class='js-answer-label answer label-16'><span class='answer'>fund the Association of British Insurers.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(16,this)' id='btn-16' value='See Answer'  \/><input type='hidden' id='questionType16' value='radio' class=''><\/div><div class='watu-question' id='question-17'><div class='question-content'><p><strong>NEW QUESTION 74<\/strong><br \/>A house slatls to have subsidence problems due to the negligence of a cable-laying company. The owner of the house claims under his household buildings insurance policy. Which principle allows the insurer to recover from the cable-laying company?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6502' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25241' \/><div class='watu-question-choice'><input type='radio' name='answer-6502[]' id='answer-id-25241' class='answer answer-17 php-answer-label answerof-6502' value='25241' \/>&nbsp;<label for='answer-id-25241' id='answer-label-25241' class='php-answer-label answer label-17'><span class='answer'>Subrogation.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25242' \/><div class='watu-question-choice'><input type='radio' name='answer-6502[]' id='answer-id-25242' class='answer answer-17 js-answer-label answerof-6502' value='25242' \/>&nbsp;<label for='answer-id-25242' id='answer-label-25242' class='js-answer-label answer label-17'><span class='answer'>Assignment.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25243' \/><div class='watu-question-choice'><input type='radio' name='answer-6502[]' id='answer-id-25243' class='answer answer-17 js-answer-label answerof-6502' value='25243' \/>&nbsp;<label for='answer-id-25243' id='answer-label-25243' class='js-answer-label answer label-17'><span class='answer'>Contribution.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25244' \/><div class='watu-question-choice'><input type='radio' name='answer-6502[]' id='answer-id-25244' class='answer answer-17 js-answer-label answerof-6502' value='25244' \/>&nbsp;<label for='answer-id-25244' id='answer-label-25244' class='js-answer-label answer label-17'><span class='answer'>Salvage.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(17,this)' id='btn-17' value='See Answer'  \/><input type='hidden' id='questionType17' value='radio' class=''><\/div><div class='watu-question' id='question-18'><div class='question-content'><p><strong>NEW QUESTION 75<\/strong><br \/>Under a coinsurance arrangement, who is ultimately responsible for payment of an agreed claim?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6503' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25245' \/><div class='watu-question-choice'><input type='radio' name='answer-6503[]' id='answer-id-25245' class='answer answer-18 js-answer-label answerof-6503' value='25245' \/>&nbsp;<label for='answer-id-25245' id='answer-label-25245' class='js-answer-label answer label-18'><span class='answer'>Each coinsurer for its own proportion, but also a share of any proportion unpaid due to the default of another coinsurer.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25246' \/><div class='watu-question-choice'><input type='radio' name='answer-6503[]' id='answer-id-25246' class='answer answer-18 js-answer-label answerof-6503' value='25246' \/>&nbsp;<label for='answer-id-25246' id='answer-label-25246' class='js-answer-label answer label-18'><span class='answer'>The lead insurer.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25247' \/><div class='watu-question-choice'><input type='radio' name='answer-6503[]' id='answer-id-25247' class='answer answer-18 js-answer-label answerof-6503' value='25247' \/>&nbsp;<label for='answer-id-25247' id='answer-label-25247' class='js-answer-label answer label-18'><span class='answer'>The intermediary.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25248' \/><div class='watu-question-choice'><input type='radio' name='answer-6503[]' id='answer-id-25248' class='answer answer-18 php-answer-label answerof-6503' value='25248' \/>&nbsp;<label for='answer-id-25248' id='answer-label-25248' class='php-answer-label answer label-18'><span class='answer'>Each coinsurer for its own proportion only.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(18,this)' id='btn-18' value='See Answer'  \/><input type='hidden' id='questionType18' value='radio' class=''><\/div><div class='watu-question' id='question-19'><div class='question-content'><p><strong>NEW QUESTION 76<\/strong><br \/>A firm of insurance brokers invite Stuart. an underwriter who handles its account, on a Caribbean cruise with his family. How should Stuart react to this invitation in order to comply with the Chartered Insurance Institute&#8217;s Code of Ethics?<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6504' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25249' \/><div class='watu-question-choice'><input type='radio' name='answer-6504[]' id='answer-id-25249' class='answer answer-19 js-answer-label answerof-6504' value='25249' \/>&nbsp;<label for='answer-id-25249' id='answer-label-25249' class='js-answer-label answer label-19'><span class='answer'>Accept only on the basis that the cost is less than \u00a31.000.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25250' \/><div class='watu-question-choice'><input type='radio' name='answer-6504[]' id='answer-id-25250' class='answer answer-19 js-answer-label answerof-6504' value='25250' \/>&nbsp;<label for='answer-id-25250' id='answer-label-25250' class='js-answer-label answer label-19'><span class='answer'>Accept on the basis that this is an accepted business practice.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25251' \/><div class='watu-question-choice'><input type='radio' name='answer-6504[]' id='answer-id-25251' class='answer answer-19 php-answer-label answerof-6504' value='25251' \/>&nbsp;<label for='answer-id-25251' id='answer-label-25251' class='php-answer-label answer label-19'><span class='answer'>Decline to avoid any suggestion he is being compromised.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25252' \/><div class='watu-question-choice'><input type='radio' name='answer-6504[]' id='answer-id-25252' class='answer answer-19 js-answer-label answerof-6504' value='25252' \/>&nbsp;<label for='answer-id-25252' id='answer-label-25252' class='js-answer-label answer label-19'><span class='answer'>Decline as this is against the Financial Ombudsman Service regulations.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(19,this)' id='btn-19' value='See Answer'  \/><input type='hidden' id='questionType19' value='radio' class=''><\/div><div class='watu-question' id='question-20'><div class='question-content'><p><strong>NEW QUESTION 77<\/strong><br \/>The capital requirements of insurers and intermediaries are set out by<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6505' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25253' \/><div class='watu-question-choice'><input type='radio' name='answer-6505[]' id='answer-id-25253' class='answer answer-20 js-answer-label answerof-6505' value='25253' \/>&nbsp;<label for='answer-id-25253' id='answer-label-25253' class='js-answer-label answer label-20'><span class='answer'>Proceeds of Crime Act 2002.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25254' \/><div class='watu-question-choice'><input type='radio' name='answer-6505[]' id='answer-id-25254' class='answer answer-20 js-answer-label answerof-6505' value='25254' \/>&nbsp;<label for='answer-id-25254' id='answer-label-25254' class='js-answer-label answer label-20'><span class='answer'>Money Laundering Regulations.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25255' \/><div class='watu-question-choice'><input type='radio' name='answer-6505[]' id='answer-id-25255' class='answer answer-20 js-answer-label answerof-6505' value='25255' \/>&nbsp;<label for='answer-id-25255' id='answer-label-25255' class='js-answer-label answer label-20'><span class='answer'>Data Protection legislation.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25256' \/><div class='watu-question-choice'><input type='radio' name='answer-6505[]' id='answer-id-25256' class='answer answer-20 php-answer-label answerof-6505' value='25256' \/>&nbsp;<label for='answer-id-25256' id='answer-label-25256' class='php-answer-label answer label-20'><span class='answer'>Prudential Regulation Authority rules.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(20,this)' id='btn-20' value='See Answer'  \/><input type='hidden' id='questionType20' value='radio' class=''><\/div><div class='watu-question' id='question-21'><div class='question-content'><p><strong>NEW QUESTION 78<\/strong><br \/>If an insured signs an agreement with a hold harmless clause, this may prevent the insurer from<\/p>\n<\/div><input type='hidden' name='question_id[]' value='6506' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25257' \/><div class='watu-question-choice'><input type='radio' name='answer-6506[]' id='answer-id-25257' class='answer answer-21 js-answer-label answerof-6506' value='25257' \/>&nbsp;<label for='answer-id-25257' id='answer-label-25257' class='js-answer-label answer label-21'><span class='answer'>disclosing details to a third party.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25258' \/><div class='watu-question-choice'><input type='radio' name='answer-6506[]' id='answer-id-25258' class='answer answer-21 js-answer-label answerof-6506' value='25258' \/>&nbsp;<label for='answer-id-25258' id='answer-label-25258' class='js-answer-label answer label-21'><span class='answer'>reinsuring the risk.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25259' \/><div class='watu-question-choice'><input type='radio' name='answer-6506[]' id='answer-id-25259' class='answer answer-21 php-answer-label answerof-6506' value='25259' \/>&nbsp;<label for='answer-id-25259' id='answer-label-25259' class='php-answer-label answer label-21'><span class='answer'>pursuing subrogation rights.<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='25260' \/><div class='watu-question-choice'><input type='radio' name='answer-6506[]' id='answer-id-25260' class='answer answer-21 js-answer-label answerof-6506' value='25260' \/>&nbsp;<label for='answer-id-25260' id='answer-label-25260' class='js-answer-label answer label-21'><span class='answer'>increasing the premium.<\/span><\/label><\/div>\n<\/div><div class='show-question-feedback' style='display:none;'><\/div><input type='button' class='showchecked' style='margin: 10px 0;' onclick='showanswer1(21,this)' id='btn-21' value='See Answer'  \/><input type='hidden' id='questionType21' value='radio' class=''><\/div><div style='display:none' id='question-22'><br \/><div 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