Ovb Quiz

Through employer's liability insurance, damages caused to employees are covered.

When referring to insurance that compensates for financial losses due to disability or death, as well as covering hospitalization or surgical expenses, we are dealing with personal insurance. This type of insurance is specifically designed to provide financial protection for individuals in the event of certain risks or events.

The correct answer is României because the question asks about the territory where the civil liability insurance covers damages to third parties. In this case, the insurance policy covers damages that occur within the territory of Romania.

The correct answer is "contract de agent/contract de brokeraj." This is because a "contract de agent/contract de brokeraj" refers to an insurance intermediary contract, where an agent or broker acts as an intermediary between the insurance company and the insured party. They help in selling insurance policies, providing advice, and facilitating the insurance process.

The correct answer is C.A.B. (Caracteristici, Argumente-Avantaje, Beneficii). This method is used to present offers by first describing the characteristics of the product or service, then providing arguments and advantages to support its value, and finally highlighting the benefits that the customer will gain from it. This approach helps to effectively communicate the features and benefits of the offer, making it more appealing to potential customers.

The correct answer is the option that states "partea din prejudiciu suportată de persoana păgubită, stabilită ca valoare fixă sau procent din despăgubirea totală prevăzută în contractul de asigurare". This option explains that a franchise is the portion of the damage that is borne by the injured party, which can be a fixed amount or a percentage of the total compensation specified in the insurance contract.

An insurance policy for goods typically provides financial protection against various types of risks, including total or partial destruction caused by natural phenomena, theft, accidents, explosions, and fires. Therefore, the correct answer is "toate cele de mai sus" which means "all of the above" in English. This option encompasses all the mentioned risks and indicates that an insurance policy for goods covers all of them.

The correct answer is "persoana fizică sau juridică care intră în raporturi juridice cu asigurătorul fie prin efectul legii, fie prin încheierea contractului de asigurare". This answer explains that an "asigurat" refers to an individual or legal entity who enters into legal relations with the insurer either through the operation of the law or by entering into an insurance contract.

The correct answer is "asigurarea de la înărcare până la descărcare" (insurance from loading to unloading). This type of insurance provides coverage for goods during the entire transportation process, from the moment they are loaded onto the vehicle or vessel until they are unloaded at the final destination. It protects against various risks and damages that may occur during transit, such as theft, damage, or loss. This type of insurance is essential for businesses involved in transporting goods to ensure their assets are protected throughout the entire journey.

The correct answer is "furnizate în scris, sub semnatura de confirmare a clienților". This means that the information provided by insurers and insurance intermediaries must be given in writing, with the client's signature confirming receipt. This ensures that there is a record of the information provided and that the client has acknowledged and understood it.

Insurance policies typically do not cover damages caused by the risk of fire to the beneficiary of a work. Insurance policies usually cover risks such as bankruptcy of a contracted company, the insolvency of a constructor, the execution of work without meeting contract standards, and delays in delivering the work. However, damages caused by the risk of fire are not typically covered by insurance policies.

The correct answer is that risk is a possible, future, and probable event to which goods, life, health, and physical integrity are exposed. This explanation highlights that risk is an inherent and necessary element in insurance because it represents potential events that can cause harm or loss to insured assets or individuals. By acknowledging and assessing these risks, insurance companies can provide coverage and protection against potential damages or losses.

The investment component of unit-linked contracts consists of purchasing units in investment funds established by insurance companies. This provides transparency in the insurance market and allows individuals to invest in these funds.

The insurance policy for electronic equipment covers damages to electronic equipment that are up to a maximum of 5 years old.

The correct answer is "coliziunea, eșuarea, scufundarea sau răsturnarea navei". This answer is correct because it lists the risks covered by the CARGO policy, which include collision, grounding, sinking, or capsizing of the ship. These risks are typically covered under a marine cargo insurance policy to protect against financial losses that may occur during the transportation of goods by sea.

The correct answer is "face parte din categoria modificărilor valorilor aferente unei asigurări de persoane" which translates to "it is part of the category of modifications to the values ​​related to a personal insurance policy." This means that the withdrawal or additional deposit of funds in a personal insurance policy is considered a modification to the values ​​associated with the policy.

The correct answer is "al comunității de risc/al mutualității". This principle refers to the idea that insurance operates on the basis of pooling risks and resources among a community of insured individuals. It means that everyone in the community contributes financially to a common pool, which is then used to cover the losses and risks faced by any member of the community. This principle ensures that the burden of risk is shared among the insured individuals, providing them with financial protection in case of unforeseen events.

After obtaining the consent of the data subject, the operator is allowed to use their personal identification number. The data remains anonymous and can only be processed for statistical, historical, or scientific purposes. The operator is no longer obligated to provide information about the purpose of data processing. It is not necessary to obtain authorization from the competent authority. The operator verifies if there is any legal obligation for processing personal data.

The correct answer is "identificarea nevoilor de asigurare ale potenţialului client și a informaţiilor necesare ofertării" because it states that the purpose of the meeting is to identify the insurance needs of the potential client and gather the necessary information for making an offer. This aligns with the goal of understanding the client's requirements and providing them with suitable insurance options. The other options mentioned, such as finalizing the contract, signing the insurance application, and obtaining references, are not directly related to the purpose of identifying the client's insurance needs.

The "optimal" solution is built according to the client's main needs and financial availability. This means that the solution takes into consideration what the client needs and what they can afford financially. By considering these factors, the solution can be tailored to meet the client's specific requirements and budget constraints, ensuring that it is the best possible option for them.

The activities of administering the client's policy/policies aim to avoid problems and address client's requests. This involves proactively identifying and resolving any issues or concerns that the client may have regarding their policy. It also includes providing assistance and support to the client in handling any requests or inquiries they may have. By doing so, the goal is to ensure a smooth and satisfactory experience for the client and maintain a positive relationship with them. Additionally, it helps to minimize any potential problems or challenges that may arise in the future.

The given answer states that the physical consequences of an illness or accident in an individual can manifest as hospitalization, surgical interventions, permanent disability, inability to work, or even death. These consequences highlight the severity and potential long-term impact of the event on the individual's health, financial stability, and overall well-being.

The efficiency of an insurance salesperson depends on their knowledge, attitude, and abilities. These factors play a crucial role in their ability to understand and effectively communicate information about insurance products to potential clients. A salesperson's knowledge of insurance products allows them to provide accurate and relevant information to clients, while their attitude and abilities determine their level of professionalism, communication skills, and problem-solving capabilities. These attributes collectively contribute to the salesperson's efficiency in selling insurance and building successful relationships with clients.

The correct answer is that the executive manager of the insurance agency must have at least one year of experience in insurance. This means that having experience in the insurance industry is a requirement for the position, regardless of their educational background or previous activities in insurance.

The correct answer is "suma de bani pe care asigurătorul o achită asiguratului la survenirea cazului asigurat" which translates to "the amount of money that the insurer pays to the insured upon the occurrence of the insured event." This option accurately defines the concept of insurance indemnity, which is the financial compensation provided by the insurer to the insured when a covered event or loss occurs.

The correct answer is "asigurări directe (asigurarea propriu-zisă și co-asigurarea) și asigurări indirecte (reasigurarea)". This answer correctly identifies the two types of insurance relationships based on the relationships established between the insured and the insurer. It distinguishes between direct insurance, which includes the actual insurance and co-insurance, and indirect insurance, which includes reinsurance.

You can purchase an RCA policy for any vehicle registered in Romania.

Portofoliul de asigurări se referă la totalitatea sau o parte din contractele de asigurări încheiate de către un asigurător. Aceasta înseamnă că portofoliul de asigurări reprezintă toate polițele de asigurare pe care asigurătorul le-a emis sau o parte din acestea. Prin urmare, aceasta este descrierea corectă a ceea ce înseamnă portofoliul de asigurări.

During the validity period of the RCA policy, the insured cannot be changed.

The correct answer is 1,5% - 3,5%. This is because the given range represents the current guaranteed interest rates on traditional life insurance products. These rates indicate the minimum amount of interest that policyholders will earn on their investments.

The correct answer is "din momentul predării mărfii până la primirea de către beneficiar" which means "from the moment the goods are delivered until they are received by the beneficiary". This option indicates that the insurance coverage for the goods starts when they are handed over and continues until they are received by the beneficiary, ensuring that any potential damage or loss during transportation is covered.

In the case of liability insurance, the third party who suffers damage is considered the beneficiary of the insurance. This means that they are entitled to receive compensation or financial coverage for the losses or injuries they have experienced. The beneficiary is not the same as the insured or the person included in the insurance policy, but rather the party who benefits from the insurance coverage in case of an incident or accident.

The insurance policy is terminated when a client decides to sell the insured property.

The correct answer is "pagube materiale: 1.000.000 Eur/eveniment; vătămări corporale și decese: 5.000.000 Eur/eveniment". This is because the given answer aligns with the provided information that the limit of compensation for material damages is 1,000,000 Eur/event and the limit for bodily injuries and deaths is 5,000,000 Eur/event.

Brokerii de asigurări compară produsele diferitelor companii și recomandă clienților pe cele mai potrivite nevoilor acestora. Aceasta înseamnă că brokerii nu sunt angajați ai unei singure companii de asigurări și au libertatea de a evalua și compara produsele oferite de diferite companii pentru a găsi cea mai bună opțiune pentru clienții lor. Prin aceasta, ei pot asigura că clienții primesc asigurările care se potrivesc cel mai bine nevoilor și cerințelor lor individuale.

The correct answer is "sunt interzise". This means that the introduction and perception of new taxes, fees, rates, bank charges, or any other costs that were not mentioned in the insurance contract are prohibited. This implies that the insurance company is not allowed to impose additional costs without prior agreement or notification to the beneficiary.

The correct answer is "no" because the insured period cannot be changed during the course of an RCA policy. Once the policy is issued, the coverage period remains fixed and cannot be altered.

The correct answer is "furt al vehiculului" (theft of the vehicle). This is because the question asks about the risks covered by a facultative motor vehicle insurance contract (CASCO), and theft of the vehicle is one of the risks covered by this type of insurance.

In the case of insurance for goods, the insured amount should be either less than or equal to the actual value of the insured goods. This means that the insurance coverage should not exceed the real value of the goods. It is important for the insured amount to accurately reflect the value of the goods in order to ensure fair compensation in case of loss or damage.

The correct answer is ASF because ASF (Autoritatea de Supraveghere Financiară) is the institution in Romania that is responsible for the consolidation of an integrated framework for the functioning and supervision of non-banking financial markets, participants, and operations. It is the regulatory authority that ensures the stability and integrity of the financial system and protects the interests of investors and consumers in the non-banking financial sector.

The correct answer is "inregistrarea unor cheltuieli suplimentare, respectiv reducerea sau chair disparitia venitului generat de persoana afectata de aceste riscuri". This answer explains that the financial consequences of a disease or accident include incurring additional expenses and a potential decrease or loss of income for the affected person.

The maximum time interval in which companies that provide RCA insurance are required to handle damage assessment is 5 business days.

The correct answer is BAAR - Biroul Asigurătorilor Auto din România. This is because the question asks about the organization responsible for issuing the international document for auto liability insurance, known as the Carte Verde, in Romania. The BAAR is the bureau of auto insurers in Romania, which is authorized to practice compulsory auto liability insurance and issue the Carte Verde. The other options listed in the question, such as AAAR, ARR, RAR, and BAR, are not specifically responsible for this task.

In Romanian, the question asks if insurance is mandatory for a utility vehicle. The correct answer "da" means "yes" in English, indicating that insurance is indeed mandatory for a utility vehicle.

The correct answer is "prin încasarea a 25000€ de la asigurător, posesorul autoturismului s-a îmbogățit cu această sumă de bani". This statement is incorrect because the purpose of insurance is to compensate for the loss or damage suffered, not to enrich the insured. The insured receives the compensation to cover the value of the car, not to make a profit from the insurance claim.

The term "prime nete subscrise" refers to the gross premiums subscribed from which the amounts paid and to be paid as reinsurance premiums are deducted. This means that it represents the total premiums received by the insurer, minus the amounts that will be paid as reinsurance premiums.

The correct answer states that a contract of insurance involves the obligation of the insured to pay the insurance premium and the obligation of the insurer to pay the insurance indemnity in the event of the insured risk occurring, either to the insured, the insurance beneficiary, or the injured third party, within the agreed limits and terms. This explanation accurately describes the essential elements of an insurance contract, including the financial obligations and the parties involved.

The correct answer is "operațiunea de asigurare a unui asigurător de către alt asigurător". This means that reinsurance is the operation in which one insurer transfers a portion of its risk to another insurer. It is a way for insurers to protect themselves from large losses and ensure their financial stability. Reinsurance allows insurers to spread the risk and reduce their exposure to potential claims.

Churning (vânzare excesivă) este practica neetică de tranzacționare în care un agent de vânzări vinde polițe de asigurare în mod repetat și inutil, în scopul de a obține comisioane mai mari. Aceasta implică vânzarea unor polițe care nu sunt necesare sau dorite de către clienți, generând astfel costuri inutile pentru aceștia. Prin urmare, churning este considerată o practică neetică în industria asigurărilor.

The correct answer is "producerea riscurilor asigurate, respectiv modificări ale contractului de asigurare la solicitarea asiguraților". This means that during the course of an insurance contract, the events that can occur include the occurrence of insured risks as well as modifications to the insurance contract at the request of the insured individuals.

According to Law 32/2000, insurance policies for accidents and illness include health insurance, accident insurance, and travel insurance. This means that the correct answer is "asigurări de sănătate/asigurări de accidente/asigurări de călătorie." This answer includes all three types of insurance mentioned in the law.

The correct answer is "terța persoană prejudiciată într-un accident în afara teritoriului României" which means "third party injured in an accident outside the territory of Romania." This means that the beneficiary within the Green Card policy can be considered as a third party who is harmed in an accident that occurs outside of Romania. This person is entitled to receive compensation or benefits from the insurance policy.

The object of the Carte Verde insurance policy is to provide coverage for damages caused to third parties outside the territory of Romania.

Asigurările de sănătate acoperă costurile de spitalizare. This means that if a person has health insurance, the insurance company will pay for the expenses related to hospitalization, such as room charges, medical procedures, and medications. It is important to have health insurance coverage for hospitalization as it can be very expensive and having insurance helps to alleviate the financial burden.

In the case of distance insurance contracts, the client has the right to terminate a life insurance contract within a period of 30 days. This means that if the client is not satisfied with the terms or conditions of the contract, they have the option to cancel it within this timeframe. This provision is in place to protect the interests of the client and ensure that they have the opportunity to review and reconsider their decision after entering into the contract.

The correct answer is "masa maximă autorizată". The first sentence of the question states that the premium for RCA insurance is determined based on several factors, and then lists those factors. The correct answer is one of the factors listed, which means that the premium for RCA insurance is also determined based on the maximum authorized mass of the vehicle.

Ascultarea activă a obiecției, izolarea obiecției prin transformarea ei în obiecție finală și rezolvarea obiecției reprezintă ordinea corectă a pașilor de rezolvare a unei obiecții. Prin ascultarea activă, vânzătorul demonstrează interes și atenție față de obiecția clientului. Apoi, izolarea obiecției prin transformarea ei în obiecție finală permite vânzătorului să se concentreze pe rezolvarea acesteia în mod specific. În final, rezolvarea obiecției se realizează prin oferirea de argumente și soluții care să convingă clientul și să îl determine să achiziționeze produsul sau serviciul.

In the case of liability insurance policies, the insured and the beneficiary are different.

The correct answer is "educația continuă a reprezentanților de vânzare". This means that Expertiza includes continuous education for sales representatives. This suggests that the company values ongoing learning and professional development for its sales team. By providing ongoing education, the company can ensure that its representatives stay up-to-date with industry trends, product knowledge, and sales techniques, ultimately improving their performance and ability to serve customers effectively.

Prospectarea este un proces continuu de identificare și contactare a potențialilor clienți. Acest proces nu se limitează doar la începutul carierei, ci este necesar pe tot parcursul desfășurării activității de vânzare. Este o metodă prin care se stabilesc și mențin relații cu clienții potențiali, se identifică nevoile și se oferă soluții adecvate. Prospectarea poate implica contactul telefonic, dar nu se limitează doar la acesta, ci poate include și alte metode de comunicare și interacțiune cu potențialii clienți.

The correct answer is "da, pentru că nu poate intermedia contracte la aceeași clasă de asigurări pentru asigurători diferiți". This means that the insurance agent is obligated to inform clients about the insurance classes for which they mediate insurance contracts because they cannot mediate contracts for the same insurance class for different insurers.

The correct answer is "constatarea și evaluarea prejudiciilor, precum și stabilirea cuantumului și plata despăgubirii se fac de către asigurătorul care a eliberat asigurarea PAD". This means that the assessment of damages and determination of the compensation amount is done by the insurer who issued the mandatory home insurance policy.

Through professional liability insurance, various situations of material or financial damages caused by certain professionals who can cause harm to others due to negligence in the exercise of their profession are covered.

The consequences of insufficient financial resources at various stages of life refer to the situation of retirement, the needs related to children, or other personal or family desires. This implies that the lack of sufficient financial resources can have a significant impact on an individual's life, affecting their ability to retire comfortably and meet the financial needs of their children or other personal and family aspirations. It emphasizes the importance of having adequate financial resources to secure a stable future.

A broker de asigurare is a legal entity that acts as an intermediary between insurance companies and individuals or businesses seeking insurance coverage. They are licensed professionals who provide advice and assistance in obtaining insurance policies. Therefore, the correct answer is "numai persoana juridică" which means "only a legal entity".

The question "Have you considered the possibility of your house being burgled while you are on vacation?" falls under the category of questions that identify events with negative consequences for the potential client. It aims to assess the client's awareness of the financial consequences in case of risks occurring, specifically the risk of a break-in during their absence.

The correct answer is "evenimentul asigurat este decesul și nu oferă posibilitatea de economisire sau capitalizare". This means that the insured event is death and the policy does not provide the opportunity for saving or capitalization. This type of insurance is solely focused on providing coverage in the event of death and does not include any savings or investment component.

The correct answer is "Legea nr. 32/2000, cu modificările și completările ulterioare". This law specifically regulates the activity and supervision of insurance intermediaries in Romania. It provides the legal framework for their operations and sets out the requirements and obligations they must comply with. The law has been amended and supplemented over time to ensure that it remains up to date and effective in governing the activities of insurance intermediaries.

Asigurarea nu este un procedeu prin care o persoană își constituie în mod individual un fond bănesc la care să facă apel în momentul producerii unui risc.

The correct answer states that risk is a future event that is uncertain in terms of its occurrence and has the potential to create financial difficulties for those affected. This explanation accurately captures the essence of risk, highlighting its future nature, uncertainty, and the potential negative impact it can have on the financial well-being of individuals or companies.

All the answers are correct because they all describe a type of life insurance policy where the insured event is death, and if the insured person survives until the maturity of the policy, the insurance company is not obligated to pay any benefit. The difference between the answers lies in the term length of the policy, ranging from 5 years to 30 years.

The correct answer is "documentul emis de asigurător, care confirmă încheierea contractului de asigurare". This answer states that a policy of insurance represents the document issued by the insurer, which confirms the conclusion of the insurance contract. This document serves as proof of the insurance coverage and outlines the terms and conditions of the policy.

The personal data that is subject to processing must be adequate, relevant, and not excessive in relation to the purpose for which it is collected. This means that the data collected should be sufficient for the intended purpose, and should not include any unnecessary or excessive information.

The correct answer is "daune provocate de avarii și furt" which translates to "damages caused by accidents and theft". This means that the CASCO insurance policy covers the expenses incurred due to accidents and theft of the insured vehicle.

The correct answer is "despăgubirea este achitată în cazul în care beneficiarul poliței suferă unul dintre riscurile asigurate". This statement is incorrect because the compensation is paid to the insured, not the beneficiary, in case they suffer one of the insured risks. The beneficiary receives the compensation only if the insured dies or experiences a specified event.

The correct answer is "doar asigurărilor tip unit-linked" which means "only unit-linked insurance". This means that the concept of investment funds is characteristic only to unit-linked insurance, not to traditional insurance or any other type of insurance such as health insurance or travel insurance. Unit-linked insurance is a type of insurance that allows policyholders to invest their premiums in various investment funds, giving them the potential to earn returns based on the performance of those funds.

The correct answer is F.A.N. (Formular de Analiză a Nevoilor). In the context of selling life insurance, the Formular de Analiză a Nevoilor (Needs Analysis Form) is used to identify the specific needs and requirements of the potential customer. This form helps the insurance agent gather information about the client's financial situation, personal circumstances, and future goals, which enables them to recommend suitable insurance products that meet the client's needs and provide the necessary coverage. By using the Formular de Analiză a Nevoilor, the insurance agent can tailor their sales approach and offer personalized solutions to the client.

Asigurarea aparatelor de zbor acoperă daunele produse aeronavelor proprietate personală.