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50 Unit standard title: Apply knowledge insurance of household contents Unit standard number: 120016 NO. OUTCOME ASSESSMENT CRITERIA So1 Describe the cover provided under household contents insurance. aC1 the concepts of the insured and insured property is explained with examples. aC2 a policy document is analysed in order to determine the insured events. aC3 aC4 NO. OUTCOME ASSESSMENT CRITERIA aC5 the concept of accidental damage as opposed to accidental breakage in household contents insurance is explained with examples. the exclusions in a listed perils policy wording are compared to the exclusions in an all risks policy wording. the limitation on cover for computers provided under household contents insurance is explained with reference to a specific policy. aC6 the two bases of indemnity are explained with examples. So2 aC1 explain extensions, exclusions and optional covers in household contents insurance. optional covers that can be added to or excluded from a household contents insurance policy are indicated with examples. aC2 a policy document is analysed to determine the extensions and exclusions. aC3 two different policies are compared in terms of cover. aC4 So3 aC1 aC2 aC3 aC4 aC5 aC6 So4 aC1 aC2 indicate the limitations to standard household contents insurance cover as opposed to specified and unspecified all risks cover. apply underwriting criteria in a household contents insurance policy So5 explain personal liability insurance. aC1 the concept of territorial limits in household contents insurance is explained with reference to permanent and temporary residence and an indication is given of how this applies in a listed perils policy the difference between accidental damage and breakage covered under household contents and all risks insurance is explained with reference to the best type of cover for valuable goods. the limits on collectibles in a specific policy are identified and an indication is given as to the best insurance for these items. the cover on household goods in transit is explained with reference to a specific policy. the needs of a specific client and the limitations of a specific household contents insurance policy are analysed and suggestions are made for additional cover to meet the needs in the client`s circumstances. a policy document is analysed to determine factors that could affect the limit of indemnity and an indication is given of possible extended liability cover. the consequences of giving incorrect advice are explained in terms of FaiS, policyholder protection rules and professional indemnity. the underwriting criteria applied to household contents insurance are explained with examples. the concept of average is applied to a household contents and a household buildings insurance claim for two different scenarios. the concept of personal liability is explained with examples of cover under a standard policy. aC2 a policy document is analysed to determine liability cover. Kopiereg ©<strong>Santam</strong> Bpk. 2009 Kursuskode: ASSESS – SPP2
NO. OUTCOME ASSESSMENT CRITERIA aC3 aC4 exclusions under a personal liability policy are analysed from a policy document. Unit standard title: Underwrite a standard risk in short term personal insurance Unit standard number: 120118 NO. OUTCOME ASSESSMENT CRITERIA So1 investigate the circumstances of the proposer. the difference between property owners and tenant`s liability is explained as it applies to personal liability aC1 the concept of the insured is explained with reference to items to be insured. aC2 the concept of a risk is explained with examples. aC3 aC4 aC5 aC6 So2 aC1 aC2 aC3 aC4 So3 analyse the assets and liabilities of a personal proposal. investigate the loss and claims history of a proposer. the criteria used to underwrite a personal risk are explained with reference to how each could influence the risk. a proposal is analysed and elements that could indicate a higher than usual risk are identified and investigated further. the basic purpose of underwriting risk is explained with particular reference to short term personal insurance. the use of a central database in investigating the loss history of a proposer is explained and an indication is given of when such a data base is used by an insurer. the concept of subject matter of insurance is explained with reference to a personal proposal. the concept of insurable interest and indemnity is explained with reference to the relationship between the proposer and the subject matter. Six different personal assets are identified and reasons are given as to why each would be classified as a high, medium or low risk for the insured and the insurer. potential business risks in a personal proposal are identified and investigated to determine acceptability under a personal policy. aC1 the information on the proposal form is verified from an appropriate source. aC2 aC3 NO. OUTCOME ASSESSMENT CRITERIA So4 aC1 aC2 aC3 make an underwriting decision for a short term personal standard risk. information relating to previous insurance loss history requested and corrective measures taken to reduce risk are ascertained from the proposer. the financial implications of the size and frequency of previous losses are ascertained and an indication is given of the previous claims trend and the preferred risk when faced with a low frequency high risk or high frequency low risk. all the relevant information gathered is analysed and used to determine whether to accept or decline the proposal. Factors that warrant a loading or reduction are identified in terms of reducing perils, applying deductions, excesses and physical protection of assets. the premiums, terms and conditions applicable to a policy are determined and presented in a quotation. Kopiereg ©<strong>Santam</strong> Bpk. 2009 Kursuskode: ASSESS – SPP2 51
Page 1 and 2: Santam Se perSoonlike poliS WerkSop
Page 3 and 4: INHOUD moDUle 1: alGemeen en HUiSin
Page 5 and 6: ILLUSTRASIE NQK - VLAK 10 9 8 7 6 5
Page 7 and 8: All qualifications and unit standar
Page 9 and 10: Learners employed in Short Term Ins
Page 11 and 12: Electives have been grouped under t
Page 13 and 14: • An official, original NLRD reco
Page 15 and 16: Australia • Australian Qualificat
Page 17 and 18: • • • • • • FNBFSO1B Wo
Page 19 and 20: Communication NVQ - The Key Skills
Page 21 and 22: Facilitate customer or employee und
Page 23 and 24: • AQF: The following standards ha
Page 25 and 26: Commercial lines No correlating sta
Page 27 and 28: • Manage a business offering fina
Page 29 and 30: • Investigative practices and gui
Page 31 and 32: Computer literacy • NVQ: The Key
Page 33 and 34: MODERATION OPTIONS This Qualificati
Page 35 and 36: elective 13912 elective 114952 elec
Page 37 and 38: elective 120129 Demonstrate knowled
Page 39 and 40: DIE FASILITEERDER SE ROL 1. Die fas
Page 41 and 42: NASIONALE STANDAARD (*) Die vlak va
Page 43 and 44: APPÈLVORM Aan: Die Assessorsbestuu
Page 45 and 46: UNIT STANDARDS Unit standard title:
Page 47 and 48: Unit standard title: Demonstrate kn
Page 49: Unit standard title: Demonstrate kn
Page 53 and 54: Unit standard title: Apply technica
Page 55 and 56: ASSESSMENT CONTRACT EJW Copy Qualif
Page 57 and 58: STATEMENT/QUESTION YES/NO Were you
Page 59 and 60: PLAAS ’N GESERTIFISEERDE AFSKRIF
Page 61 and 62: KURSUSINLEIDING Hierdie uitkomsgeba
Page 63 and 64: EVALUASIE VAN ASSESS-SPP2 Evaluasie
Page 65 and 66: MODULE 1: ALGEMEEN EN HUISINHOUD Ja
Page 67 and 68: OPDRAG 1 Met jou besoek aan mnr. X
Page 69 and 70: VRAAG 7 Mnr. X meld dat sy oudste s
Page 71 and 72: • c. Die skedule dateer nege maan
Page 73 and 74: Aanbevelings Kopiereg ©Santam Bpk.
Page 75 and 76: OPDRAG 3 Daar volg vrae ná die vol
Page 77 and 78: Deel (B) (Vervolg) 6. EETKAMER 9. B
Page 79 and 80: VRAAG 3 Van die glasornamente is in
Page 81 and 82: VRAAG 8 Mnr. X se jongste seun is o
Page 83 and 84: VRAAG 10 Mnr. X huur ook ’n woons
Page 85 and 86: SANTAM SE PERSOONLIKE POLIS AANSOEK
Page 87 and 88: DEEL 1 - EIENDOMSVERSEKERING HUISIN
Page 89: NOTAS

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