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MODULE 8 MULTI RISKS Yes. It is an umbrella. And this is insurance. Simple, understandable, no-mystery insurance.
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MODULE 8 MULTI RISKS - Santam | Insurance Good … 8 MULTI RISKS Yes. It is an umbrella. And this is insurance. Simple, understandable, no-mystery insurance.

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Page 1: MODULE 8 MULTI RISKS - Santam | Insurance Good … 8 MULTI RISKS Yes. It is an umbrella. And this is insurance. Simple, understandable, no-mystery insurance.

MODULE 8MULTI RISKS

Yes. It is an umbrella.And this is insurance.Simple, understandable, no-mystery insurance.

Page 2: MODULE 8 MULTI RISKS - Santam | Insurance Good … 8 MULTI RISKS Yes. It is an umbrella. And this is insurance. Simple, understandable, no-mystery insurance.

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MULTI RISKS

MODULE INTRODUCTIONNot only is it important to be familiar with the cover under the various sections of Santam’s personal policy, but also to have background knowledge of why multi risk policies are marketed, and the analysis of personal and commercial policies.

It will thus be expected of you to answer the questions under discussion.

MODULE OBJECTIVEThe objective of this module is to evaluate your knowledge of the following aspects with regard to all risks insurance:

• Why insurers market multi risk policies.

• Analysis of a personal lines multi risk policy.

• Analysis of a commercial lines multi risk policy.

• Difference between personal lines and commercial lines policies.

TASKQUESTION 1Discuss two reasons why insurers are constantly developing new products.

2

QUESTION 2Name three benefits for the insured of personal lines multi risk policies.

3

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QUESTION 3A client applies for personal lines insurance, but he only wants cover for theft of the contents of his house and outbuildings, accidental damage to the contents of his house, and medical expenses for his household employee. Which section of the policy would you recommend to this client?

1

QUESTION 4Name any eight insured risks that are covered in terms of the House Contents Section of a personal lines multi risk policy, as discussed in this module.

8

QUESTION 5A commercial lines multi risk policy offers cover against a variety of risks.

Name any five insured risks in terms of the Buildings Section.

5

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QUESTION 6Name two benefits with regard to the options a client has in terms of a commercial lines multi risk policy.

2

QUESTION 7 A prospective client has his own business and wants to take out a commercial multi risk policy. Over and above the contents of his building, stock, vehicles, etc., he also employs many people.

Which sections of the commercial policy would you recommend to the client in respect of the staff in his employ? Name any three sections.

3

QUESTION 8Name any two differences between the personal lines policy and the commercial lines policy.

2

QUESTION 9The insured is an accountant and decides to run his business from home. Some clients visit him from time to time and he is afraid that they might injury themselves while at his premises and then hold him liable.

Would the insured enjoy cover for this type of liability in terms of his personal lines policy? Motivate your answer.

2

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QUESTION 10One of the biggest differences between the personal lines policy and the commercial lines policy is the cover provided with regard to liability.

The Liability Section of the commercial lines policy can be issued on the basis of two aspects. Name the two bases.

2

QUESTION 11You are a broker and a potential client approaches you for advice in respect of his short-term insurance needs for his business.

Under which sections of the commercial lines policy do you recommend the following requirements be addressed?

a. The furniture, stationery, fax machine, telephone and photocopier in the office

b. The cash handled in the office .

c. (Stock in transit

d. Dishonesty of employees

e. The business vehicles

f. Accidental damage to the content of the factory

g. Unforeseen breakage of the machinery in the factory

h. Deterioration of stock

8

TOTAL 38

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INTEGRATIONAND CROSS REFERENCING OF CRITICALCROSS FIELD OUTCOMES (CCFO)The following Critical Cross Field Outcomes have been integrated into the assignment questions in the summative workbooks of each Santam skills programme. Learners are expected to demonstrate the CCFO’s and have effectively demonstrated this if they are found competent in the respective questions.

• CCFO1 – Identify and solve problems, make decisions using critical and creative thinking

• CCFO2 – Team Work

• CCFO3 – Organise and manage oneself

• CCFO4 – Collect, analyse, organize and critically evaluate information

• CCFO5 – Communicate effectively

• CCFO6 – Use Science and technology effectively and critically

• CCFO7 – Demonstrate and understanding of the world as a set of related systems

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PERSONAL LINES (SPP2)MODULE QUESTIONS CCFO 1 CCFO 2 CCFO 3 CCFO 4 CCFO 5 CCFO 6 CCFO 7

1 1.1 x

1.2 x x

1.3 x x

1.4 x

1.5 x

1.6 x x

1.7 x x x

1.8 x x x

1.9 x x

1.10 x x x

1.11(a) x x x

1.11(b) x x x

1.11(c) x x

2 x x x x

3 x x x x x

1.(a) x x

1.(b) x

2 x x

3 x x

4 x x x x

5 x x

6 x x x

7 x x

8 x x

9 x

10 x x

4 x x x x x x

2 1.1 x x

1.2 x x x

1.3 x

1.4 x x

1.5 x

1.6 x x

1.7 x x

1.8 x

1.9 x x

1.10 x x

1.11 x

2 x x x x x

3 x x x x x

2.1 x

2.2 x x

2.3 x x

2.4 x x

2.5 x

1 x

2 x x

3 x x

4 x x

5 x x

6 x x

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7 x x

3 x x x x x

4 1.1 x

1.2 x x

1.3 x x

1.4 x

1.5 x x x

1.6 x x

1.7 x x x

1.8 x

2 x x x x x

5 1.1 x x

1.2 x x

1.3 x

1.4 x x

1.5 x x x

1.6 x x x

1.7 x x

1.8 x

1.9 x x x

1.10 x

2 x x x x x

3 x x x x x

6 1 x x x x x x

2.1 x x

2.2 x

2.3 x x

2.4 x x x

2.5 x x

2.6 x x x

2.7 x x

2.8 x x x x

7 1.Risk 1 x

1.Risk 2 x

1.Risk 3 x

1.Risk 4 x

1.Risk 5 x

2.1 x x

2.2 x x

2.3 x x

2.4 x x

2.5 x x

2.6 x x

2.7 x x

2.8 x x

2.9 x x

2.10 x x x

2.11 x x

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ANNEXURE 1

CRITICAL CROSS FIELD OUTCOMES RATING

Please rate your skills according to the following scale and motivate your selection:

1 = Very poor 2 = Poor 3 = Average 4 = Good 5 = Excellent

1Identify and solve problems in which responses display that responsible decisions using critical and creative thinking

1 2 3 4 5

2 Work effectively with others as a member of a team 1 2 3 4 5

3 Organize and manage yourself and your activities responsibly and effectively 1 2 3 4 5

4 Collect, analyse, organize and critically evaluate performance 1 2 3 4 5

5 Communicate effectively using mathematical and language skills 1 2 3 4 5

6Demonstrate an understanding of the world as a set of related systems by recognizing that problem-solving contexts do not exist in isolation

1 2 3 4 5

7 Contributing to the social and economic development of South African society at large 1 2 3 4 5

Motivation (Compulsory):

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ASSIGNMENT: REFLECTION (COMPULSORY)

Write a brief report on the assignments using the following guidelines:

9. Were you given sufficient time to complete the assignments?

10. What did you learn/remember from doing the assignments?

11. Did you experience any negativity during the completion of the assignments?

12. Can you implement what you have learnt in your daily tasks?

13. Will you be able to use these in your career path?

14. Which additional development areas would you require?

DECLARATION OF AUTHENTICITY

Complete this form as proof that your assignment is your own work. This forms part of the validation process.

I, (Full name)

(ID number)

declare that the content of these assignments are my own work and that everything was compiled/completed by me.

Please note that you may discuss the tasks in a group, but the assignment must at all times be completed on your own.

Learner’s signature

Date

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ASSESSMENT SUMMARY

UNIT STANDARD TITLEDEMONSTRATE KNOWLEDGE AND UNDERSTANDING OF PERSONAL MOTOR INSURANCE

UNIT STANDARD NUMBER/LEVEL/CREDITS 120005/4/4

SPECIFIC OUTCOMESTYPE OF EVALUATION: FORMATIVE

INDICATION OF EVIDENCE

ASSESSMENT DECISION

C NYC

SO1 Explain motor insurance

Formative

Formative

Property insurance Part 1 - VehiclesModule 4Task 1 Q1, Q2, Q3, Q8 Task 2Task 3

SO2 Explain liability with regards to personal motor insurance

Formative

Formative

Liability and legal aid insurance Part 2- Vehicle liabilityModule 7Task 1 Risk 4Task 2 Q3

SO3 Describe the additional benefits available under comprehensive cover

Formative

Formative

Property insurance Part 1 – Vehicles

Module 4Task1 Q5, Q6, Q7

SO4 Explain additional cover that can be purchase to supplement comprehensive cover

Formative

Formative

Property insurance Part 1 – Vehicles

Module 2Task 1 Q5, Q6, Q7

SO5 Explain how a vehicle is valued for insurance purposes.

Formative Module 4Task1 Q5, Q6

Please complete (in print)

Name of assessor

Assessor registration number

Signature Date

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ASSESSMENT SUMMARY

UNIT STANDARD TITLEDEMONSTRATE KNOWLEDGE AND UNDERSTANDING OF PLEASURE CRAFT.

UNIT STANDARD NUMBER/LEVEL/CREDITS 120008/4/3

SPECIFIC OUTCOMESTYPE OF EVALUATION: FORMATIVE

INDICATION OF EVIDENCEASSESSMENT DECISION

C NYC

SO1 Explain basic cover in a basic pleasure craft policy

Formative

Formative

Property insurance Part 1 - Water craft

Module 5Task 1 Q1, Q3, Q4, Q7Task 2

SO2 Explain extensions to and exclusions from cover in a pleasure craft policy

Formative

Formative

Property insurance Part 1 - Water craft

Module 5Task 1 Q5, Q6, Q9Task 2

SO3 Assess the risk associated with pleasure craft.

Formative

Formative

Property insurance Part 1 - Water craft

Module 5Task 1 Q4, Q6, Q7Task 2

SO4 Explain liability related to pleasure craft.

Formative

Formative

Liability and legal aid insurance Part 2- Water craft liability

Module 5Task 1 Q2Module 7Task 1 Risk 5Task 2 Q6

Please complete (in print)

Name of assessor

Assessor registration number

Signature Date

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ASSESSMENT SUMMARY

UNIT STANDARD TITLE APPLY KNOWLEDGE OF PERSONAL ALL RISK INSURANCE

UNIT STANDARD NUMBER/LEVEL/CREDITS 120011/4/2

SPECIFIC OUTCOMESTYPE OF EVALUATION: FORMATIVE

INDICATION OF EVIDENCEASSESSMENT DECISION

C NYC

SO1 Explain personal all risk insurance

Formative

Formative

Property insurance Part 1 – All risks

Module 1Task 1 Q9Module 2Task 1 Q1, Q2, Q4, Q5, Q7, Q8, Q10, Q11Task 3 Q1a, Q8, Q9

SO2 Differentiate between specified and unspecified all risk

Formative

Formative

Property insurance Part 1 – All risks

Module 2Task 1 Q2

SO3 Analyse the cover in a personal all risk policy document

Formative

Formative

Property insurance Part 1 – All risks

Module 2Task 2

SO4 Explain indemnity under an all risk policy

Formative

Formative

Property insurance Part 1 – All risks

Module 2Task 2 Q11

Please complete (in print)

Name of assessor

Assessor registration number

Signature Date

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ASSESSMENT SUMMARY

UNIT STANDARD TITLEDEMONSTRATE KNOWLEDGE AND UNDERSTANDING OF HOUSE OWNERS INSURANCE

UNIT STANDARD NUMBER/LEVEL/CREDITS 120015/4/3

SPECIFIC OUTCOMESTYPE OF EVALUATION: FORMATIVE

INDICATION OF EVIDENCEASSESSMENT DECISION

C NYC

SO1 Describe the cover provided under the house owners insurance

Formative

Formative

Property insurance Part 1 – Buildings

Module 5Task 2 Q1, Q7Module 3Task 2Dwelling A Q1, Q3Dwelling B Q2

SO2 Explain extensions, exclusions and optional covers in household building insurance.

Formative

Formative

Property insurance Part 1 – Buildings

Module 3Task 2Dwelling B Q1, Q2

SO3 Analyse a policy wording and schedule to determine cover.

Formative

Formative

Property insurance Part 1 – Buildings

Module 6Task 2 Q2, Q3

SO4 Apply underwriting criteria in a household buildings insurance policy

FormativeModule 3Task 2Dwelling A Q2, Q4, Q5Module 6Task 2 Q2Module 3Task 2Dwelling B Q4, Q5

SO5 Explain personal liability insurance

Formative

Formative

Liability and legal aid insurance Part 2 – Personal legal liability

Module 7Task 1 Risk1, Risk2Module 7Task2 Q4, Q7, Q10

Please complete (in print)

Name of assessor

Assessor registration number

Signature Date

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ASSESSMENT SUMMARY

UNIT STANDARD TITLEAPPLY KNOWLEDGE INSURANCE OF HOUSEHOLD CONTENTS

UNIT STANDARD NUMBER/LEVEL/CREDITS 120016/4/4

SPECIFIC OUTCOMESTYPE OF EVALUATION: FORMATIVE

INDICATION OF EVIDENCEASSESSMENT DECISION

C NYC

SO1 Describe the cover provided under household contents insurance

Formative

Formative

Property insurance Part 1 – House contents

Module 1Task 1 Q8Task 3 Q1a,b, Q3, Q4, Q7, Q8, Q9

SO2 Explain extensions, exclusions and optional covers in household contents insurance

Formative

Formative

Property insurance Part 1 – House contents

Module 1Task 3 Q3,Q6, Q7, Q8, Q9Task 4

SO3 Indicate the limitations to standard household contents insurance cover as opposed to specified and unspecified all risk cover

Formative

Formative

Property insurance Part 1 – House contents

Module 1Task 3 Inventory, Q1a, Q3, Q4Module 6Task 2 Q4

SO4 Apply underwriting criteria in a household contents insurance policy.

Formative Module 1Task 2Task3 Q4

SO5 Explain personal liability insurance.

Formative

Formative

Liability and legal aid insurance Part 2 – Personal legal liability

Module 7Task 2 Q2, Q4, Q7, Q9, Q10

Please complete (in print)

Name of assessor

Assessor registration number

Signature Date

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ASSESSMENT SUMMARY

UNIT STANDARD TITLEUNDERWRITE A STANDARD RISK IN SHORT TERM PERSONAL INSURANCE

UNIT STANDARD NUMBER/LEVEL/CREDITS 120118/4/6

SPECIFIC OUTCOMESTYPE OF EVALUATION: FORMATIVE

INDICATION OF EVIDENCEASSESSMENT DECISION

C NYC

SO1 Investigate the circumstances of the proposer.

Formative Module 1Task 1 Q7,Q10Module 2Task 1 Q2, Q7Module 3Task 2 Dwelling A Q1, Q2, Q4, Q5Dwelling B Q1, Q4Module 4Task1 Q3Module 5Task1 Q1, Q7Module 6Task 2 Q2, Q3

SO2 Analyse the assets and liabilities of a personal proposal

Formative Module 1Task 1 Q7Module 6Task 2 Q7, Q8Module 7Task 2 Q4, Q7, Q9, Q10(summary’s in all modules)

SO3 Investigate the loss and claims history of a proposer.

Formative Module 1Task 1 Q2, Q11Module 2Task 1 Q2, Q6, Q7(summary’s in all modules)

SO4 Make an underwriting decision for a short term personal standard risk.

Formative Module 1Task 3 Q5,Q10Module 2Task 1 Q7Module 4Task 1Q4Module 6Task 2 Q2(recommendations, observations and applications in all modules)

Please complete (in print)

Name of assessor

Assessor registration number

Signature Date

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ASSESSMENT SUMMARY

UNIT STANDARD TITLE APPLY KNOWLEDGE OF PERSONAL LIABILITY INSURANCE

UNIT STANDARD NUMBER/LEVEL/CREDITS 120132/4/3

SPECIFIC OUTCOMESTYPE OF EVALUATION:

FORMATIVEINDICATION OF EVIDENCE

ASSESSMENT DECISION

C NYC

SO1 Explain liability as a personal responsibility.

Formative Module 7Task 1 (Risks1,2 ,3 ,4 & 5)

SO2 Explain why people need personal liability insurance

Formative Liability and legal aid insurance Part 2 – Personal legal liability

Module 7Task 1 (Risks1,2 ,3 ,4 & 5)

SO3 Investigate the personal liability cover in different policies.

Formative

Formative

Liability and legal aid insurance Part 2 – Personal legal liability

Module 7Task 1 (Risks1,2 ,3 ,4 & 5)Task 2 Q4, Q7, Q9, Q10

SO4 Analyse the cover in a personal liability policy

Formative

Formative

Liability and legal aid insurance Part 2 – Personal legal liability

Module 7Task 2 Q4, Q7, Q9, Q10

Please complete (in print)

Name of assessor

Assessor registration number

Signature Date

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ASSESSMENT SUMMARY

UNIT STANDARD TITLEAPPLY TECHNICAL KNOWLEDGE AND UNDERSTANDING OF THE COVER PROVIDED UNDER A SHORT TERM MULTI-PERIL INSURANCE POLICY

UNIT STANDARD NUMBER/LEVEL/CREDITS 120121/4/5

SPECIFIC OUTCOMESTYPE OF EVALUATION: FORMATIVE

INDICATION OF EVIDENCEASSESSMENT DECISION

C NYC

SO1 Explain why insurers market multi-peril policies

Formative

Formative

Q 1, 2

Q 76 (1) 80 (2)

SO2 Analyse a multi-peril personal line policy

Formative

Formative

Q 3, 4, 9

Q 77 (1) 79 (1) 81 (1)

SO3 Analyse a multi-peril commercial lines policy

Formative

Formative

Q 5, 6, 7

Q 78 (1), 78 (2), 81(1)

SO4 Differentiate between multi-peril personal lines policies and commercial line policies

Formative

Formative

Q 8, 10, 11, 12

Q 78 (3), 80 (1), 81(2), (3), 82 (1) (2)

Please complete (in print)

Name of assessor

Assessor registration number

Signature Date

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EVALUATION SHEET (SPP2)

Name of learner

Date

Calculation of marks

TOTA

L

RESU

LT

MO

DU

LE

TASK

1

1ST

SET

OF

QU

ESTI

ON

S

TASK

2

OBS

ERV

ATI

ON

, RE

CO

MM

END

ATI

ON

, U

ND

ERW

RITI

NG

TASK

3

2ND

SET

OF

QU

ESTI

ON

S

TASK

4

APP

LIC

ATI

ON

FO

RM

SUM

MA

RY

TOTA

L O

F TA

SKS

REG

ARD

ING

Q

UES

TIO

NS

CO

MPE

TEN

T –

ALL

TA

SKS

YES/

NO

CO

MM

ENTS

EXA

MPL

E 15

N.A

. N.A

.

10

N.A

. N.A

.

N.A

.

25

YES

NEE

D O

NLY

M

INIM

AL

KNO

WLE

DG

E O

F A

PPLI

CA

TIO

N

FORM

– N

O N

EED

FO

R C

ON

CER

N

18 10 28

1

2

3

4

5

6

7

Total marks for task

Please complete (in print)

Name of assessor

Assessor registration number

Signature Date

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DECLARATION BY ASSESSOR

FOR _________________________________________________________________________________ (Name of course)

I, __________________________________________________________________, hereby declare that I have performed my duty as an assessor ethically and without prejudice to the learners. I hereby also declare that I have not in anyway assisted or guided the learners in any particular direction.

Name of assessor

Assessor’s number

Signature

Date