100+ Free IRDAI Surveyor Marine Hull (S-04) Practice Questions

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2026 Statistics

Key Facts: IRDAI Surveyor Marine Hull (S-04) Exam

100 Qs

Online MCQs per paper

III Exam Guidelines

Slot-based

Exam duration (confirm with III)

III online exam scheduling

60%

Passing score (60/100)

III Exam Guidelines

₹50 lakh

Ombudsman compensation limit

Insurance Ombudsman Rules

Category A/B/C

IRDAI Surveyor Classifications

IRDAI Regulations

S-04 / IC-70

Subject codes

III Syllabus

The IRDAI Surveyor Marine Hull (S-04) exam requires a passing score of 60% (60/100 MCQs) within a 2-hour limit. Administered by the Insurance Institute of India, the fee is ~₹500 per subject + GST plus a ~₹500 registration fee for fresh candidates. Candidates must hold engineering credentials (Marine Engineering/Naval Architecture) to qualify for this department.

Sample IRDAI Surveyor Marine Hull (S-04) Practice Questions

Try these sample questions to test your IRDAI Surveyor Marine Hull (S-04) exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under Clause 6 (Perils) of the Institute Time Clauses Hulls (1.10.83), which of the following is considered a primary 'peril of the seas'?

A.Accidental collision, stranding, sinking, and heavy weather damage

B.Normal wear and tear of the hull plating due to age and corrosive action

C.Action of wind and waves during ordinary cargo loading operations at berth

D.Insolvency or financial default of the vessel owners or operators

Explanation: Perils of the seas refer to fortuitous accidents or casualties of the sea, such as collision, stranding, heavy weather, or sinking. It does not cover the ordinary action of wind and waves, nor wear and tear, which are non-fortuitous operating conditions.

2Under the 3/4ths Collision Liability Clause in the Institute Time Clauses Hulls (1.10.83), what proportion of the collision damages is paid by the hull underwriters, and where must the remaining portion be covered?

A.75% is paid by the hull underwriters; the remaining 25% is typically covered by a Protection and Indemnity (P&I) Club.

B.75% is paid by the hull underwriters; the remaining 25% must be borne entirely by the shipowner as a non-insurable deductible.

C.100% is paid by the hull underwriters up to 75% of the vessel's insured value, and the rest is waived.

D.25% is paid by the hull underwriters; the remaining 75% is covered by a cargo liability policy.

Explanation: The 3/4ths Collision Liability Clause underwrites 75% of the shipowner's legal liability for damages to another vessel and its cargo. The remaining 25% is traditionally entered into and covered by the shipowner's Protection and Indemnity (P&I) Club.

3How does the Sister Ship Clause in the Institute Time Clauses Hulls (1.10.83) address collisions between two vessels owned by the same shipowner?

A.It treats the two vessels as if they were owned by different owners, with liability referred to a sole arbitrator.

B.It excludes all liability claims since a person cannot legally sue themselves for damages.

C.It requires the cargo underwriters of both vessels to pay for the hull repairs.

D.It automatically pays 100% of the repairs for both vessels without applying any policy deductible.

Explanation: Since a shipowner cannot legally sue themselves, a collision between sister ships would otherwise fail to trigger liability coverage. The Sister Ship Clause creates a legal fiction treating them as separate ownerships, resolving liability and salvage remuneration via a sole arbitrator.

4Under the Navigation Clause of the Institute Time Clauses Hulls, what is the consequence if a vessel is towed, other than in the ordinary course of custom or when in need of assistance?

A.The cover is subject to immediate suspension unless prior written notice is given and any amended terms/premium are accepted.

B.The policy is automatically rendered null and void from its original inception date.

C.The underwriters will pay all claims but will double the deductible for the remainder of the policy period.

D.The claim is paid in full, but the vessel's classification is immediately suspended by the underwriters.

Explanation: The Navigation Clause permits towing only in customary situations (e.g., harbor tugs) or when in distress. Non-customary towing operations require prior notice to underwriters, agreement to any amended terms, and payment of additional premium; otherwise, cover is suspended.

5Which of the following losses is covered under the standard Perils Clause of the Institute Time Clauses Hulls (1.10.83) without requiring the 'Inchmaree' additional perils provision?

A.Damage to the hull caused by a collision with another vessel during a storm

B.Damage caused by a bursting boiler on board the vessel

C.Damage to the ship's rudder due to a latent defect in the casting

D.Damage caused by the negligence of the vessel's crew during bunkering

Explanation: Damage from a collision is a classic 'peril of the seas' covered under the primary perils section of Clause 6.1. Boiler bursts, latent defects, and crew negligence are covered under the secondary 'Inchmaree' perils (Clause 6.2), which require that such loss has not resulted from want of due diligence by the assured.

6Under the Pollution Hazard Clause of the Institute Time Clauses Hulls, under what condition is the loss of a vessel by government action covered?

A.When the vessel is destroyed by state authorities to mitigate a pollution hazard resulting directly from damage covered by the policy.

B.When state authorities confiscate and scuttle the vessel due to illegal contraband carriage.

C.When the vessel is arrested and sold by court order to pay for municipal port fines.

D.When the vessel is scuttled by the coast guard because its certificate of registry had expired.

Explanation: The Pollution Hazard Clause covers loss or damage to the vessel caused by government action to prevent or mitigate a pollution hazard, provided that the hazard results directly from damage to the vessel which is covered under the policy, and that the owner did not cause the hazard through lack of due diligence.

7What is the function of the Deductible Clause (Clause 12) in the Institute Time Clauses Hulls (1.10.83) regarding claims for General Average?

A.The policy deductible is applied to the aggregate of all claims arising from each separate accident, including General Average contributions.

B.General Average claims are entirely exempt from the application of the policy deductible.

C.A separate, double deductible is applied specifically to all General Average contributions.

D.The deductible is applied to Particular Average, but only 50% of the deductible applies to General Average.

Explanation: Under Clause 12.1 of ITC Hulls 1.10.83, the deductible is applied to the aggregate of all claims arising out of each separate accident or occurrence. This includes claims for Particular Average, General Average contributions, salvage charges, and Sue and Labour expenses.

8Under the 3/4ths Collision Liability Clause, which of the following damages is explicitly EXCLUDED from the indemnity provided by the hull underwriters?

A.Loss of life, personal injury, or illness of crew members on either vessel

B.Physical damage to the hull of the other vessel involved in the collision

C.Loss of or damage to cargo on board the other vessel

D.Loss of use (demurrage) of the other vessel during its repair period

Explanation: The 3/4ths Collision Liability Clause explicitly excludes liability for loss of life, personal injury, illness, cargo on the insured vessel, real/personal property ashore, and pollution clean-up. These liabilities are typically covered under the shipowner's P&I Club entry.

9If a vessel collides with a harbor quay wall (a fixed object, not another ship), how is this claim addressed under the Institute Time Clauses Hulls (1.10.83)?

A.It is excluded under the 3/4ths Collision Liability Clause, as that clause only covers liability for collision with another vessel.

B.It is covered up to 3/4ths under the Collision Liability Clause because a quay wall is a structural maritime barrier.

C.It is covered 100% under the hull policy, as a quay wall is not a sister ship.

D.It is referred to the hull policy's general average section to be shared by all cargo interests.

Explanation: The 3/4ths Collision Liability Clause only applies to collisions with another ship or vessel ('running down clause'). Collisions with fixed or floating objects (FFO), such as quay walls, piers, or buoys, are excluded from the hull policy liability clause and are instead insured under the owner's P&I policy.

10Under the 'Inchmaree' Perils Clause of ITC Hulls (1.10.83), the underwriters cover loss or damage to the vessel caused by a latent defect. How does this clause treat the defective part itself?

A.The underwriters pay for the damage caused by the latent defect to the rest of the ship, but NOT for the cost of repairing or replacing the defective part itself.

B.The underwriters pay for both the replacement of the defective part and all consequential damage caused by its failure.

C.The underwriters only pay for the replacement of the defective part, excluding any consequential damage.

D.The clause completely excludes latent defects; they are treated as wear and tear.

Explanation: The Inchmaree Clause covers the damage to the vessel resulting from the failure of a latent defect (e.g., a cracked shaft causing engine damage). However, it does not cover the cost of repairing or replacing the latent defect itself, as the defect existed prior to the policy and was not caused by an insured peril.

About the IRDAI Surveyor Marine Hull (S-04) Exam

This practice exam is designed for candidates preparing for the IRDAI Surveyor & Loss Assessor license in the Marine Hull stream. It covers the core syllabus including Institute Time Clauses Hulls, General and Particular Average, dry dock surveys, hull inspections, and surveyor licensing regulations.

Assessment

100 objective multiple-choice questions in a single online computer-based exam. There is no negative marking.

Time Limit

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

Passing Score

60% (60/100)

Exam Fee

~₹500 per subject + GST exam fee, and ~₹500 registration fee for fresh candidates (Insurance Institute of India (III) on behalf of IRDAI)

IRDAI Surveyor Marine Hull (S-04) Exam Content Outline

25%

Marine Hull Policy Covers

Practice questions on Institute Time Clauses Hulls (1.10.83), 3/4ths collision liability, and the Sister Ship clause.

25%

Hull Claims Assessment

Practice questions on General Average, Particular Average, dry docking expenses, repair costs, and sue & labour charges.

20%

Survey Practice

Practice questions on ship terminology, damage inspection, dry dock surveys, and writing surveyor loss reports.

15%

Conditions, Warranties & Exclusions

Practice questions on unseaworthiness, policy exclusions, the termination clause, and builders risks clauses.

15%

Principles, Legal Aspects & Redressal

Practice questions on the Marine Insurance Act, 1963, the Insurance Ombudsman Rules (₹50 lakh limit), and surveyor licensing.

How to Pass the IRDAI Surveyor Marine Hull (S-04) Exam

What You Need to Know

Passing score: 60% (60/100)
Assessment: 100 objective multiple-choice questions in a single online computer-based exam. There is no negative marking.
Time limit: As per III online slot booking (confirm current duration when scheduling)
Exam fee: ~₹500 per subject + GST exam fee, and ~₹500 registration fee 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 Marine Hull (S-04) Study Tips from Top Performers

1Thoroughly study the III course material for IC-70 (Marine Hull Insurance) and S-04 (Surveyor Marine Hull).

2Pay special attention to the wording and application of the Institute Time Clauses Hulls (1.10.83), especially clauses relating to collision liability, deductibles, and termination.

3Understand the mechanics of York-Antwerp Rules and how General Average expenses and sacrifices are apportioned.

4Familiarize yourself with ship hull structural terminology and drydocking procedures (e.g. Ruabon and Vancouver rules for cost allocation).

5Review the Marine Insurance Act, 1963, and the latest IRDAI Surveyor Licensing Regulations, along with the updated Ombudsman limit of ₹50 lakh.

Frequently Asked Questions

What is the compensation limit for the Indian Insurance Ombudsman?

Following the November 2023 amendment to the Insurance Ombudsman Rules, the maximum compensation limit that the Insurance Ombudsman can award is ₹50 lakh.

Who administers the IRDAI Surveyor Marine Hull exam?

The exam is administered by the Insurance Institute of India (III) on behalf of the Insurance Regulatory and Development Authority of India (IRDAI).

What qualifications are required to become a Marine Hull surveyor in India?

Candidates must hold a degree or diploma in Marine Engineering, Naval Architecture, or equivalent engineering disciplines from a recognized institution, followed by IRDAI-approved practical training.

What is the passing score and format for the Marine Hull (S-04) exam?

The passing score is 60% (60 correct answers out of 100 questions). The exam format is a single, online, computer-based multiple-choice test consisting of 100 questions; the slot duration is set by III and should be confirmed on the III exam booking portal.

Where can I register and schedule the IRDAI Surveyor exam?

You can register, pay fees, and schedule your exam slot online through the official Insurance Institute of India (III) website at https://www.insuranceinstituteofindia.com/.

What are the key policy covers tested on this exam?

The exam focuses heavily on the Institute Time Clauses Hulls (1.10.83 and 1.11.95), including specific covers like the 3/4ths Collision Liability Clause and the Sister Ship Clause.

100+ Free IRDAI Surveyor Marine Hull (S-04) Practice Questions

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