100+ Free IRDAI Surveyor Fire (S-02) Practice Questions

Pass your IRDAI Surveyor & Loss Assessor Exam — Fire (III S-02 / IC-56) exam on the first try — instant access, no signup required.

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2026 Statistics

Key Facts: IRDAI Surveyor Fire (S-02) Exam

60%

Pass Mark

III surveyor pre-licensing exam information

S-02

Fire Paper Code

III surveyor subject list / IC-56 alignment

~₹500

Fee per Subject

III/ModelExam published fee summary (+ tax; confirm on III)

Quarterly

Exam Windows

III online schedule (Mar/Jun/Sep/Dec commonly cited)

3% / 1%

Architects Fee / Debris Limits

Standard SFSP expense wordings

IC-56

Study Course

III Fire Insurance Claims course mapping to S-02

III conducts IRDAI surveyor pre-licensing online MCQs (~quarterly) with 60% pass. Fire candidates take S-02 (IC-56) plus compulsory S-01. Fees are commonly ~₹500 registration + ~₹500/subject + tax. Practice here targets SFSP covers, fire claim quantum, and survey practice.

Sample IRDAI Surveyor Fire (S-02) Practice Questions

Try these sample questions to test your IRDAI Surveyor Fire (S-02) exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under India's Standard Fire and Special Perils (SFSP) Policy, which peril is ordinarily covered without a separate add-on?

A.Lightning

B.Earthquake (fire and shock)

C.Terrorism

D.Forest fire

Explanation: Lightning is among the named perils of the SFSP base cover. Earthquake and terrorism are typical add-ons; forest fire is also commonly treated as an add-on rather than a base peril.

2Which of the following is a named peril under the standard SFSP wording commonly used in India?

A.Wear and tear of the building

B.Riot, strike and malicious damage (RSMD)

C.Gradual rusting of machinery

D.Market loss from delayed delivery

Explanation: RSMD (riot, strike and malicious damage) is a classic SFSP named peril. Wear and tear, gradual deterioration, and pure consequential market losses are not SFSP material-damage named perils.

3STFI under SFSP commonly refers to:

A.Stock transfer and freight insurance

B.Standard tariff fire index

C.Storm, tempest, flood and inundation

D.Surveyor travel and field inspection

Explanation: STFI is the group of Act-of-God weather perils: storm, tempest, flood and inundation (often with cyclone/hurricane/typhoon wording). It is a core SFSP special-perils cluster.

4Architects', surveyors' and consulting engineers' fees for reinstatement plans are typically covered under SFSP up to what share of the adjusted claim (unless extended by add-on)?

A.0.5%

B.1%

C.10%

D.3%

Explanation: Standard SFSP expense cover includes architects/surveyors/consulting engineers' fees up to about 3% of the adjusted claim for reinstatement supervision services—not for preparing the insured's own claim estimate.

5Debris removal expenses under standard SFSP wording are commonly covered up to:

A.1% of the claim amount

B.3% of the claim amount

C.5% of the sum insured

D.10% of the sum insured

Explanation: SFSP commonly includes necessary debris-removal expenses up to about 1% of the claim amount; higher debris costs need an add-on extension.

6Which add-on is typically required if the insured wants cover for earthquake fire and shock under an Indian SFSP policy?

A.Agreed bank clause

B.Earthquake (fire and shock) endorsement

C.Local authorities clause

D.Designation of property clause

Explanation: Earthquake is generally not a base SFSP named peril and is added by earthquake (fire and shock) endorsement when required. Bank, local-authority, and designation clauses serve other purposes.

7Impact damage by the insured's own vehicles is generally:

A.A standard named SFSP peril without endorsement

B.Available only under marine hull policies

C.An add-on cover, not automatic under basic SFSP

D.Covered only if terrorism is also purchased

Explanation: Impact by rail/road vehicles or animals of third parties is a named SFSP peril, but impact by the insured's own vehicles typically needs a specific add-on.

8Spontaneous combustion cover under Indian fire practice is usually:

A.Included automatically for all stock without endorsement

B.Available only under crop insurance

C.Identical to STFI cover

D.An optional add-on when required for susceptible stock

Explanation: Spontaneous combustion is commonly offered as an add-on for stocks prone to self-heating. It is not automatic for every SFSP and is not the same as STFI weather perils.

9Loss of rent / additional rent for alternative accommodation under SFSP is generally:

A.An expense/add-on type cover when opted

B.A material-damage named peril like fire

C.Always included at 25% of building SI

D.Paid only under marine cargo

Explanation: Loss of rent and extra rent for alternative accommodation are typically optional expense covers/add-ons attached to fire policies, not automatic named material-damage perils.

10A floater policy in fire insurance is primarily used when:

A.Only one fixed location exists and SI never changes

B.Stocks move among several locations and a single SI floats across them

C.Only terrorism is to be insured

D.Only consequential loss is required

Explanation: Floater covers stocks that may be at any of several declared locations under one sum insured. It addresses location mobility of stock, not terrorism-only or pure consequential-loss needs.

About the IRDAI Surveyor Fire (S-02) Exam

The IRDAI Surveyor & Loss Assessor Fire paper (S-02) is the specialised pre-licensing examination for candidates seeking Fire department authorisation. Study material aligns with IC-56 Fire Insurance Claims: Standard Fire and Special Perils covers, conditions and warranties, claims procedure, rights and duties, amount of claim payable, special policies, surveying process, legal aspects, case studies, and redressal forums. The online MCQ exam is conducted by III, typically quarterly, with a 60% pass mark.

Assessment

Department paper S-02 Fire Insurance (IC-56 Fire Insurance Claims). Candidates also require compulsory S-01. Practice weights: Fire Policy Covers 25%, Claims Assessment 25%, Survey Practice 20%, Conditions/Warranties/Exclusions 15%, Principles/Legal/Redressal 15%.

Time Limit

As per III online slot booking (confirm current duration when scheduling)

Passing Score

60% (60/100)

Exam Fee

~₹500 per subject + tax (plus ~₹500 one-time registration for fresh candidates) (Insurance Institute of India (III) authorised by IRDAI)

IRDAI Surveyor Fire (S-02) Exam Content Outline

25%

Fire Policy Covers

SFSP named perils, built-in expenses, add-ons, clauses, and special policy forms

25%

Fire Claims Assessment

Average, RIV/MV, salvage, excess, contribution, subrogation, and worksheets

20%

Survey Practice

Inspection, cause, documentation, reports, ethics, and insured duties

15%

Conditions, Warranties & Exclusions

SFSP exclusions, electrical clause, warranties, and claim conditions

15%

Principles, Legal & Redressal

Insurance principles, IRDAI/III pathway, and grievance forums

How to Pass the IRDAI Surveyor Fire (S-02) Exam

What You Need to Know

Passing score: 60% (60/100)
Assessment: Department paper S-02 Fire Insurance (IC-56 Fire Insurance Claims). Candidates also require compulsory S-01. Practice weights: Fire Policy Covers 25%, Claims Assessment 25%, Survey Practice 20%, Conditions/Warranties/Exclusions 15%, Principles/Legal/Redressal 15%.
Time limit: As per III online slot booking (confirm current duration when scheduling)
Exam fee: ~₹500 per subject + tax (plus ~₹500 one-time registration for fresh candidates)

Keys to Passing

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

IRDAI Surveyor Fire (S-02) Study Tips from Top Performers

1Memorise SFSP named perils vs add-ons (earthquake, terrorism, spontaneous combustion, own-vehicle impact).

2Drill average: Payable = Loss × SI / Value at risk, then apply excess/salvage.

3Know the 3% architects/surveyors fee and 1% debris built-in expense limits.

4Practise distinguishing RIV settlement conditions from market-value depreciation settlements.

5Review electrical clause, cold-storage temperature exclusion, and consequential-loss exclusion.

6Walk a full survey workflow: notice → inspection → cause → quantum → report → recommendation.

Frequently Asked Questions

What is the IRDAI Surveyor Fire exam?

It is the Insurance Institute of India pre-licensing online MCQ paper S-02 Fire Insurance (aligned to IC-56 Fire Insurance Claims) required for Fire department surveyor licensing under IRDAI, taken with compulsory S-01.

What is the passing score?

Published III surveyor exam information states a 60% pass mark (60 marks out of 100) for the online MCQ papers.

How much does the exam cost?

Fresh candidates commonly pay about ₹500 one-time registration plus about ₹500 per subject plus applicable tax. Confirm current fees on the III website when booking.

How often is the exam held?

The surveyor pre-licensing online exams are commonly scheduled four times a year—March, June, September, and December—subject to III’s published calendar.

What syllabus does S-02 Fire follow?

S-02 aligns with IC-56 Fire Insurance Claims: basic principles, SFSP policy, conditions/warranties, claims procedure, rights and duties, amount of claim payable, special policies, surveying process, legal aspects, case studies, and redressal forums.

Who is eligible for the Fire department?

IRDAI Schedule-I lists Fire qualifications such as engineering degrees/diplomas and certain professional/insurance qualifications (for example CA/CMA, III Associate/Fellow, IIRM PG Diploma in Insurance), plus trainee enrolment and practical training norms.

Is S-01 also required?

Yes. Candidates take compulsory S-01 (Principles and Practice of Insurance and Survey and Loss Assessment) plus at least one departmental paper such as S-02 Fire.

Where do I register?

Register, enrol, book slots, and pay through the Insurance Institute of India website under the IRDAI/Surveyor examination options, after meeting training-certificate requirements.