1. Property insurance in a broad sense refers to all other insurances except life insurance.
2. Property subjects insured by enterprise property insurance mainly include: fixed assets, current assets, inventories, projects under construction, entrusted property, etc.
Property or off-balance sheet property.
3. There are several ways to determine the insured amount of fixed assets in enterprise property insurance: according to the original book value, adding it to the original book value, according to the replacement value, according to the evaluation price or public valuation.
Second, multiple choice questions
4. The premium rate of family property insurance is usually divided into different grades according to the structural grade of the house. If the risk of theft is included in the basic insurance liability, the insurance rate is (c).
a、 1‰~3‰ B、2‰~4‰ C、3‰~5‰ D、4‰~6‰
5. Property insurance refers to a socialized economic compensation system with (d) as the insurance object and the basic purpose of compensating the insured or the insured's economic losses.
A, specific property and materials B, all kinds of property and materials
C, specific property and related interests d, all kinds of property and related interests.
6, internationally, the whole insurance industry is usually divided into (C)
A. Property insurance and personal safety insurance B. Tangible property insurance and intangible property insurance
C. Non-life insurance and life insurance D. Broad property insurance and narrow property insurance
7. Property loss insurance is an insurance that takes the property stored in a fixed place and in a relatively static state and its related interests as the insurance subject matter, and the insurer bears the economic compensation responsibility for the loss of the insured property caused by the insurance accident, which is called (A).
A, fire insurance B, group fire insurance C, narrow property insurance D, family property insurance
8. The premium rate of group fire insurance in China adopts (A).
A, classified differential rate system B, comprehensive differential rate system
C, professional differential rate system D, standard deviation rate system
9. The premium rate of group fire insurance is generally based on (c), and the premium rate is expressed as (c).
A, percentage of insured amount per yuan b, percentage of insured amount per hundred yuan
C, insurance rate per thousand yuan d, insurance rate per ten thousand yuan.
10, the responsibility for only covering the risks of fire, lightning, explosion, flying objects and other airborne objects is (a)
A. Basic property insurance B. Comprehensive property insurance C. Loss of profit insurance D. Additional risks
1 1, family property insurance can be divided into (b) according to the different insured objects.
A, comprehensive family property insurance and single family property insurance b, family insurance and other property insurance.
C, home property insurance main insurance and additional insurance D, home property insurance and home property insurance integration.
12, the insurable property that does not belong to family property insurance is (c)
A. Houses and their ancillary equipment B. Houses owned by others.
C, dangerous property d, farmers' farm tools, tools and harvested agricultural and sideline products.
13. Group family property insurance is a family property insurance business in which a group is the insured unit and (d) is the insured, covering its family property.
A, the main person in charge of the group B, the shareholders of the group
C, the responsibility group of the group D, the employees of the group
14, regular repayment of family property insurance, also known as family property insurance, is a family property insurance business with both family property insurance and repayment of principal at maturity, which is characterized by (c)
A. The interest is not low, the premium is charged, the principal is repaid regularly, and the insurance period is diversified.
B, regular repayment of principal and single insurance period
C. Interest is used to offset the insurance premium, the principal is repaid regularly, and the insurance period is diversified.
D, the interest is offset against the insurance premium, the principal is repaid regularly, and the insurance period is simplified.
15, the statement about additional risks is wrong (b)
A. When the insurance liability of the basic insurance is terminated, the insurance liability of the corresponding additional insurance is also terminated.
B in case of any conflict between the interpretation of the additional insurance clauses and the interpretation of the basic insurance clauses, the interpretation of the basic insurance clauses shall prevail.
C matters not covered in the additional insurance clauses shall be subject to the interpretation of the basic insurance clauses.
D. If the basic insurance is not covered, additional risks such as vehicle theft, emergency rescue and broken glass will not be covered separately.
16, Li Yong took out family property insurance, and the indoor property insurance amount was 200,000 yuan. During the insurance period, an insurance accident occurred and indoor property suffered losses. At that time, the actual value of indoor real estate was 220,000 yuan, and the replacement value was 250,000 yuan. When the indoor insurance property suffers total loss and partial loss of 6,543,800 yuan+0.5 million yuan, the amount that the insurance company should pay separately is (A).
A.200,000 yuan and 6,543,805,000 yuan, B.22 yuan and 6,543,804,500 yuan.
C.200,000 yuan and 6,543.8+0.2 million yuan, D.22 million yuan and 6,543.8+0.5 million yuan.
17, (b) refers to the insurance policy that the insurer underwrites the insured with multiple insured objects and multiple risk liabilities.
A. Single family property insurance B, comprehensive family property insurance C, basic family property insurance D and additional risks
18. The manufacturing enterprise is insured against loss of profits. During the insurance period, a fire broke out in the production workshop, and the gross profit loss during the six-month compensation period after the disaster was 600,000 yuan, and no compensation was paid for seven days, so the compensation amount should be (a).
$57.6 million
C.53 million D.665438+700,000
19. A foreign-funded enterprise has insured foreign-related property insurance in China, with additional profit loss insurance. The insurance period of this property is1994.1.1-1995.5438+0.1. It is estimated that the business interruption period caused by the damage is 8 months. 1994.6.30, the enterprise caught fire, and 1995.6.30 resumed all production, so the insurance period, compensation period and actual compensation period of the loss of profits insurance should be (d) respectively.
A. Both are 1 year. B. 1 year, 8 months and 1 year.
C. 1 year 8 months and 6 months D. 1 year 8 months and 8 months.
20, about the calculation of total loss compensation, the error is (c).
A. If the insured goods are of fixed value, full payment shall be made according to the insured amount specified in the insurance policy.
B, if the insurance contract is not valued insurance, the actual value of the goods at the time of the accident is higher than the insured amount, and the insurance company will pay according to the insured amount.
C, the insurance contract is not valued insurance, and if the actual value is lower than the insured amount, it shall be paid according to the actual value.
D. If the insurance contract is fixed-value insurance, if the actual value is higher than the insured amount, it shall be paid according to the actual value.