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100+ Free IIQE Paper 6 Practice Questions

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Insurance Intermediaries Qualifying Examination (HK)

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2026 Statistics

Key Facts: IIQE Paper 6 Exam

80 questions

IIQE Paper VI has 80 compulsory multiple-choice questions

PEAK Exam Centre - Handbook for Travel Insurance Agents Examination

2 hours

The examination lasts two hours for all 80 questions

PEAK Exam Centre - Handbook for Travel Insurance Agents Examination

70%

Minimum score required to pass Paper VI

PEAK Exam Centre - Handbook for Travel Insurance Agents Examination

HK$305 / HK$370

Fee for pencil-and-paper (PPME) and computer-screen (CSME) modes

PEAK Exam Centre - Handbook for Travel Insurance Agents Examination

2 parts

Principles and Practice of Insurance, and Travel Insurance

PEAK Exam Centre - Handbook for Travel Insurance Agents Examination

May 2006

When the Travel Insurance Agents Examination was implemented

PEAK Exam Centre - Handbook for Travel Insurance Agents Examination

English and Chinese

The paper is presented in both languages

PEAK Exam Centre - Handbook for Travel Insurance Agents Examination

100

Free original practice questions here

OpenExamPrep

IIQE Paper VI is the Travel Insurance Agents Examination that prospective travel insurance agents in Hong Kong must pass. It has 80 compulsory multiple-choice questions to be answered in two hours, split between Principles and Practice of Insurance and Travel Insurance. The pass mark is 70%, and the fee is HK$305 (pencil-and-paper) or HK$370 (computer screen). It is administered by the VTC PEAK Exam Centre on behalf of the Insurance Authority and has been in place since May 2006. This 100-question bank gives original practice on coverage, exclusions, claims, conduct and the Hong Kong regulatory framework.

Sample IIQE Paper 6 Practice Questions

Try these sample questions to test your IIQE Paper 6 exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Which principle of insurance requires both the insurer and the insured to disclose all material facts honestly when a travel policy is arranged?
A.Indemnity
B.Utmost good faith (uberrimae fidei)
C.Subrogation
D.Contribution
Explanation: Insurance contracts are contracts of utmost good faith, meaning both parties must voluntarily disclose all material facts. For a travel applicant this includes pre-existing conditions and the destination. Breach can make the policy voidable.
2A traveller buys insurance for a friend's holiday with which she has no financial connection. Which insurance principle is most likely NOT satisfied?
A.Insurable interest
B.Proximate cause
C.Indemnity
D.Contribution
Explanation: Insurable interest means the policyholder must stand to suffer a financial loss if the insured event occurs. Having no financial connection to the friend's trip means there is no insurable interest, so the contract may be unenforceable.
3Under the principle of indemnity, what is the purpose of an insurance payout for a baggage claim?
A.To put the insured in a better financial position than before the loss
B.To restore the insured to the same financial position they were in immediately before the loss
C.To pay the original retail price of every item regardless of age
D.To provide a fixed cash sum unrelated to the actual loss
Explanation: Indemnity aims to restore the insured to the financial position held immediately before the loss, no better and no worse. For baggage this usually means the value of items after deducting for wear and tear (depreciation), subject to limits.
4An insurer pays a traveller's medical bill after she is injured by a negligent driver overseas, then pursues the driver to recover the amount. Which principle allows the insurer to do this?
A.Contribution
B.Subrogation
C.Average
D.Utmost good faith
Explanation: Subrogation allows an insurer that has indemnified the insured to step into the insured's shoes and recover from the third party responsible for the loss. This prevents the insured from recovering twice for the same loss.
5A traveller holds two travel policies that both cover lost baggage. After a loss, both insurers share the claim in proportion to their cover. Which principle is being applied?
A.Subrogation
B.Contribution
C.Proximate cause
D.Insurable interest
Explanation: Contribution applies when more than one policy of indemnity covers the same loss. The insurers share the claim rateably so the insured is indemnified once and does not profit from holding two policies.
6In insurance, 'proximate cause' refers to:
A.The nearest place where the loss occurred
B.The dominant, effective cause that sets in motion the chain of events leading to the loss
C.The most expensive item involved in a claim
D.The first insurer to be notified of a claim
Explanation: Proximate cause is the active, dominant and efficient cause that sets in motion an unbroken chain of events leading to the loss. Cover responds only if the proximate cause is an insured peril.
7A 'material fact' in insurance is best described as a fact that:
A.Only the insurer is obliged to know
B.Would influence a prudent underwriter in deciding whether to accept the risk or what terms to apply
C.Relates only to the price the customer is willing to pay
D.Becomes relevant only after a claim is made
Explanation: A material fact is any fact that would influence the judgement of a prudent underwriter in deciding whether to accept the risk and on what terms. The applicant must disclose such facts, for example a serious pre-existing illness.
8Which of the following best describes the role of a 'premium' in an insurance contract?
A.The maximum amount the insurer will ever pay
B.The consideration paid by the insured in exchange for the insurer's promise to indemnify
C.A refundable deposit returned at the end of the trip
D.A penalty charged only when a claim is made
Explanation: The premium is the consideration the insured pays in return for the insurer's promise to provide cover. Without payment of the premium, there is generally no valid contract of insurance.
9A 'peril' in insurance terminology means:
A.A condition that increases the chance of a loss
B.The cause of a possible loss, such as fire, theft or accident
C.The amount the insured must pay before cover applies
D.The document that records the terms of cover
Explanation: A peril is the cause of a possible loss, such as accident, illness, theft or fire. A hazard, by contrast, is a condition that increases the likelihood or severity of the peril operating.
10Which of the following is an example of a 'moral hazard' relevant to travel insurance underwriting?
A.A traveller visiting a region with a high natural-disaster risk
B.A traveller who is careless or dishonest and may exaggerate or fabricate a claim
C.A traveller carrying expensive electronic equipment
D.A traveller with a long-haul flight itinerary
Explanation: Moral hazard arises from the attitude and conduct of the insured, such as dishonesty or carelessness that increases the likelihood or size of a loss. Physical hazard relates to the physical features of the risk.

About the IIQE Paper 6 Exam

IIQE Paper VI, the Travel Insurance Agents Examination, is the Hong Kong licensing examination that prospective travel insurance agents must pass before carrying on travel insurance agent business. Implemented in May 2006, it is administered by the Professional Education and Knowledge Examination Centre of the VTC (PEAK Exam Centre) on behalf of the Insurance Authority. The examination consists of 80 compulsory multiple-choice questions over two hours and is divided into two parts: Principles and Practice of Insurance, which covers core insurance principles and the Hong Kong regulatory and conduct framework; and Travel Insurance, which covers travel policy coverage, exclusions, claims and selling practices. The paper is offered in both English and Chinese and can be taken as a pencil-and-paper or computer-screen examination. Candidates must score at least 70% to pass, with results reported only as PASS or FAIL.

Assessment

80 compulsory multiple-choice questions in two parts: Principles and Practice of Insurance, and Travel Insurance. The paper is presented in both English and Chinese.

Time Limit

Two hours (120 minutes) for all 80 multiple-choice questions.

Passing Score

70% minimum. Results are graded only as PASS or FAIL; the exact score and correct answers are not disclosed.

Exam Fee

HK$305 for the Pencil-and-Paper Mode (PPME) and HK$370 for the Computer Screen Mode (CSME). Fees are non-refundable and non-transferable. (Vocational Training Council (VTC) PEAK Exam Centre, on behalf of the Insurance Authority (IA))

IIQE Paper 6 Exam Content Outline

25%

Principles and Practice of Insurance

Core insurance principles - insurable interest, utmost good faith, indemnity, proximate cause, subrogation and contribution - plus the nature and structure of insurance contracts, risk, premiums and the parties to a contract, applied to travel insurance scenarios.

20%

Hong Kong Regulatory and Conduct Framework

The Insurance Ordinance, the Insurance Authority, licensing of insurance intermediaries, the statutory conduct requirements under sections 90-92, and the Code of Conduct for Licensed Insurance Agents with its general principles of honesty, acting in clients' best interests, suitability and disclosure.

35%

Travel Insurance Coverage

The main benefits of a travel insurance policy: overseas medical and emergency assistance, evacuation and repatriation, trip cancellation and curtailment, baggage and personal effects, personal money and documents, travel delay, personal accident and personal liability, plus optional and add-on covers.

20%

Exclusions, Conditions and Claims

Common travel policy exclusions (pre-existing conditions, hazardous activities, war, self-inflicted loss, illegal acts), policy conditions and warranties, the duty of disclosure, and the travel claims process including documentation, assistance services and settlement.

How to Pass the IIQE Paper 6 Exam

What You Need to Know

  • Passing score: 70% minimum. Results are graded only as PASS or FAIL; the exact score and correct answers are not disclosed.
  • Assessment: 80 compulsory multiple-choice questions in two parts: Principles and Practice of Insurance, and Travel Insurance. The paper is presented in both English and Chinese.
  • Time limit: Two hours (120 minutes) for all 80 multiple-choice questions.
  • Exam fee: HK$305 for the Pencil-and-Paper Mode (PPME) and HK$370 for the Computer Screen Mode (CSME). Fees are non-refundable and non-transferable.

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

IIQE Paper 6 Study Tips from Top Performers

1Learn the six core insurance principles - insurable interest, utmost good faith, indemnity, proximate cause, subrogation and contribution - and be able to apply each to a travel claim scenario.
2Memorise the standard travel policy benefit sections (medical and assistance, cancellation and curtailment, baggage, personal accident, personal liability, travel delay) and what each does and does not cover.
3Make a list of common exclusions - pre-existing conditions, hazardous sports, war and civil unrest, self-inflicted injury, intoxication and illegal acts - because many questions test whether a loss is payable.
4Understand the difference between trip cancellation (before departure) and curtailment (cutting a trip short), and how indemnity applies to non-refundable prepaid costs.
5Know the Hong Kong regulatory framework: the Insurance Authority, licensing of intermediaries, the statutory conduct requirements and the general principles in the Code of Conduct for Licensed Insurance Agents.
6Practise the claims process - notification, supporting documents, 24-hour assistance services and how indemnity and excess apply - as these recur throughout the Travel Insurance part.

Frequently Asked Questions

How many questions are on IIQE Paper VI and how long is it?

Paper VI has 80 compulsory multiple-choice questions and lasts two hours. The paper is presented in both English and Chinese and can be sat in pencil-and-paper or computer-screen mode.

What is the pass mark for the Travel Insurance Agents Examination?

Candidates must attain a minimum score of 70% to pass. Results are reported only as PASS or FAIL; the exact score and the correct answers are not disclosed.

What does IIQE Paper VI cover?

The examination has two parts: Principles and Practice of Insurance, covering core insurance principles and the Hong Kong regulatory and conduct framework, and Travel Insurance, covering policy coverage, exclusions, claims and selling practices.

Who administers IIQE Paper VI and how much does it cost?

It is administered by the VTC PEAK Exam Centre on behalf of the Insurance Authority. The fee is HK$305 for the pencil-and-paper mode and HK$370 for the computer-screen mode.

Do I need to pass Paper VI to sell travel insurance in Hong Kong?

Yes. Prospective travel insurance agents must pass the Travel Insurance Agents Examination (Paper VI), introduced in May 2006, as part of qualifying to carry on travel insurance agent business.

Are these official IIQE or PEAK Exam Centre questions?

No. These are original OpenExamPrep questions modelled on the Paper VI syllabus. The Insurance Authority and PEAK Exam Centre publish their own study notes and specimen materials separately.