Free Practice Questions for Iran Loss Adjuster Exam

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Key Facts: Iran Loss Adjuster Exam Exam

Regulation 85

High Council of Insurance rule governing loss adjusting, approved 1392 and replacing Regulation 50

High Council of Insurance Regulation 85, Article 20

3 Years

Term of the loss adjuster licence issued by Central Insurance, renewable

High Council of Insurance Regulation 85, Article 5

80 Hours

Specialised training course, 56 hours general and 24 hours in the chosen field

Central Insurance / Insurance Research Institute licensing guidance

3 Years

Useful experience required in the specialist field applied for

High Council of Insurance Regulation 85, Article 3

1 Field

Number of specialist insurance fields on an individual adjuster's licence

High Council of Insurance Regulation 85, Article 2

10 Years

Field experience that exempts an applicant from the written examination

High Council of Insurance Regulation 85, note 1 to Article 3

Licensing as an Iranian loss adjuster under Regulation 85 requires a bachelor's degree, three years of field experience, an 80-hour course, and success in both a Persian-language four-option written paper sat in Tehran and an in-person specialist interview at Central Insurance; the licence covers one specialist field and lasts three years.

Sample Iran Loss Adjuster Exam Practice Questions

Try these sample questions to review concepts for the Iran Loss Adjuster Exam exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under Article 1 of the Iranian Insurance Act of 1316, what does the insurer undertake to do when the insured event occurs?

A.To guarantee the policyholder immunity from civil proceedings brought by third parties

B.To acquire a shareholding in the policyholder's business equal to the loss

C.To make good the loss suffered, or to pay the fixed sum agreed, in return for the premium received

D.To replace the damaged property with new property in every case, without regard to its age

Explanation: Article 1 defines the contract by reference to the insurer's undertaking: in return for a sum or sums paid by the other party, the insurer will make good the loss caused by the occurrence or realisation of an event, or pay a fixed sum. Whether the obligation is to indemnify a loss or to pay an agreed capital sum depends on the class of business, and that distinction drives how the adjuster works.

2Why must a loss adjuster never certify a figure greater than the financial loss the insured has actually suffered?

A.Because the principle of indemnity restores the insured to the pre-loss financial position and does not permit profit from a loss

B.Because Central Insurance of Iran confiscates settlements above a prescribed ceiling

C.Because an adjuster is paid a percentage of the amount by which a claim is reduced

D.Because the Insurance Act forbids any payment that exceeds the premium collected

Explanation: Indemnity is the organising principle of property and casualty adjusting. Article 19 of the Insurance Act measures the insurer's liability as the fall in value caused by the event, capped at the sum insured, and over-certification would put the insured in a better position than before the loss, encouraging moral hazard and inflating the cost of cover for everyone.

3When does the insurer's right of subrogation under Article 30 of the Insurance Act of 1316 arise, and how far does it extend?

A.On the date the policy incepts, for the full sum insured

B.Only after the third party has admitted responsibility in writing

C.On expiry of the two-year period in Article 36, for whatever remains unrecovered

D.Within the limits of the loss the insurer accepts or pays, once it has done so

Explanation: Article 30 places the insurer in the position of the policyholder against those responsible for the event, but only within the limits of the damage it accepts or pays. The right is therefore both conditional on settlement and quantitatively capped by it, which is why an adjuster's report should record the amount paid and identify the potentially liable party.

4Article 1 of Regulation 85 defines what an insurance loss adjuster (ارزیاب خسارت بیمه‌ای) is authorised to do. Which description matches it?

A.To set the tariffs at which insurers may write each class of business

B.To investigate the cause of the event and the occurrence of loss, determine the amount of loss and the extent of the insurer's obligation under the policy, and negotiate its adjustment and settlement

C.To act as the insurer's advocate and to resist claims on technical grounds

D.To represent the policyholder in court proceedings against the insurer

Explanation: Article 1 describes the adjuster as an independent natural or legal person, holding a licence from Central Insurance, who is permitted to investigate and enquire into the cause of the event and the occurrence of the loss, to determine the amount of the loss and the extent of the insurer's obligation under the terms of the policy, and to negotiate for the adjustment and settlement of the insurance loss.

5What duties does Article 15 of the Insurance Act of 1316 place on the policyholder when a loss occurs?

A.To leave the scene untouched until a court order authorises entry

B.To take the care an ordinary owner would take, act to prevent the loss spreading, and notify the insurer at the earliest opportunity and within five days of becoming aware

C.To dispose of the damaged property so that the site can be cleared quickly

D.To obtain three repair quotations before contacting the insurer

Explanation: Article 15 imposes three obligations: to look after the insured property as any person would look after their own, to take the steps necessary to prevent the loss spreading and developing when the event is imminent or has happened, and to inform the insurer at the first possible moment and in any case within five days of learning of it. The article also makes the insurer bear the cost of the preventive measures, even if they fail.

6Article 4 of the Insurance Act of 1316 requires the policyholder to have an interest in the survival of what is insured. Why does this matter at the claims stage?

A.Because a claimant with no economic interest in the property suffers no loss from its destruction and has no entitlement to indemnity

B.Because only a registered freehold owner may present a claim

C.Because the doctrine allows the insurer to take over neighbouring undamaged property

D.Because it entitles the claimant to be paid twice where two policies are in force

Explanation: Article 4 permits property, benefits, financial rights and legal liabilities to be insured on condition that the policyholder has an interest in the survival of the subject matter. At the claims stage that condition becomes a test of entitlement: the adjuster must establish that the claimant stood to lose financially from the damage, because indemnity measures a loss and a person with no interest has none.

7Property is insured for less than its real value. What calculation does Article 10 of the Insurance Act of 1316 require?

A.Indemnity = sum insured plus real value, divided by two

B.Indemnity = assessed loss, less a flat statutory penalty of fifty per cent

C.Indemnity = full replacement cost of the property as new, regardless of the sum insured

D.Indemnity = assessed loss multiplied by sum insured, divided by real value

Explanation: Article 10 provides that where property is insured for less than its real value, the insurer is liable for the loss only in the proportion which the sum it has insured bears to the real value of the property. The adjuster therefore applies the ratio of sum insured to real value at the date of the event to the assessed loss.

8A warehouse with a real pre-loss value of 20,000,000,000 IRR is insured for 12,000,000,000 IRR. A covered fire causes assessed damage of 5,000,000,000 IRR. Applying Article 10 and ignoring any deductible, what is payable?

A.2,500,000,000 IRR

B.5,000,000,000 IRR

C.3,000,000,000 IRR

D.4,000,000,000 IRR

Explanation: The ratio of sum insured to real value is 12,000,000,000 divided by 20,000,000,000, which is 0.60. Applying that to the assessed loss gives 5,000,000,000 x 0.60 = 3,000,000,000 IRR. The insured bears the remaining 2,000,000,000 IRR as his own insurer for the forty per cent he chose not to insure.

9An excluded peril sets in motion an unbroken sequence of events that ends in damage by an insured peril. How does the adjuster apply the doctrine of proximate cause?

A.The loss is apportioned equally between the insured and excluded perils

B.The loss is not covered, because the dominant and efficient cause that started the sequence was excluded

C.The loss is covered, because the peril immediately preceding the damage was insured

D.The cause is disregarded and the claim is settled on the physical appearance of the damage

Explanation: Proximate cause looks for the dominant and efficient cause that set the chain in motion and remained operative, not for the last event in time. Where that dominant cause is excluded and the chain runs unbroken to the damage, the whole loss falls outside cover. Only a new and independent intervening cause breaks the chain and can bring the later damage back within the policy.

10What must an adjuster's investigation establish before recommending that a claim be declined under Article 12 of the Insurance Act of 1316?

A.That the insured was slow to notify the loss

B.That the property had been altered cosmetically since the policy was issued

C.That the insured had allowed a premium instalment to fall into arrears

D.That the insured deliberately withheld information or made false statements, and that the matter withheld or falsified changed the subject of the risk or reduced its importance in the insurer's view

Explanation: Article 12 has two ingredients and both must be proved: deliberateness (عمداً) and materiality — the undisclosed or false matter must have changed the subject of the risk or diminished its importance in the insurer's judgement. The article applies even where the concealed fact had no bearing on the event that occurred, but without evidence of intent the insurer is confined to the Article 13 remedies.

About the Iran Loss Adjuster Exam Exam

The Iranian loss adjuster examination is the written stage of licensing as an ارزیاب خسارت بیمه‌ای under High Council of Insurance Regulation 85, the Regulation for Organising Insurance Loss Adjusting Affairs, approved on 26 Azar 1392 in twenty articles and fourteen notes and replacing Regulation 50 of 1382. Article 1 defines the adjuster as an independent natural or legal person, licensed by Central Insurance of Iran, who may investigate the cause of an event and the occurrence of loss, determine the amount of the loss and the extent of the insurer's obligation under the policy, and negotiate its adjustment and settlement. Licensing is deliberately demanding. Article 3 sets conditions of nationality, age, character and criminal record, requires at least a bachelor's degree and three years of relevant field experience, and requires success in both a written examination and an in-person specialist interview at Central Insurance, followed by a specialised training course of 80 hours. Article 2 grants an individual a licence in one specialist insurance field only — motor, fire, marine cargo, engineering, liability, medical or agricultural — while an adjusting firm may be licensed in several. Article 8 requires a professional liability policy before the licence is issued, Article 5 sets the licence term at three years, Article 6 requires Central Insurance to publish and monthly update the register of licensed adjusters, Article 7 bars concurrent roles with insurers, agents, brokers and the supervisor, and Article 18 sets the sanctions ladder from written caution to cancellation of the licence. This question bank is independent practice for the Iranian loss adjuster examination by OpenExamPrep. The official assessment is conducted in Persian and includes a compulsory in-person specialist interview that no multiple-choice bank can reproduce. These 100 questions are an English-language multiple-choice study adaptation of the Regulation 85 framework, the claims provisions of the Insurance Act of 1316 and the technical method of loss adjusting, written for people who study in English. They are not an official translation, not official exam questions, and not produced or approved by Central Insurance of Iran or the Insurance Research Institute.

Exam sponsor: Central Insurance of Iran (بیمه مرکزی), which licenses loss adjusters and conducts the specialist interview, with the written examination delivered by the Insurance Research Institute (پژوهشکده بیمه). The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

Licensing under High Council of Insurance Regulation 85 has several stages. Article 3 requires Iranian nationality, a minimum age of 25, freedom from narcotic addiction, completion of military service for men, absence of bad repute and of the criminal convictions the article lists, at least a bachelor's degree, three years of useful experience in loss adjusting in the specialist field applied for, success in Central Insurance's written examination AND in an in-person specialist interview, and completion of a specialised and orientation training course — 80 hours in practice, made up of 56 general hours and 24 hours in the chosen field. Applicants with at least ten years of experience in the field are exempt from the written paper, and fifteen years reduces the education requirement to a diploma. The written paper is delivered by the Insurance Research Institute on a roughly quarterly cycle, in person in Tehran, as a four-option multiple-choice examination; the Institute does not publish the item count, the duration or the pass mark. Article 2 issues the individual licence for one specialist insurance field only, and Article 5 makes the licence valid for three years, renewable.

Time Limit

Not published; the Insurance Research Institute states the duration in the notice for each sitting

Passing Score

Not published by Central Insurance of Iran; Article 3 of Regulation 85 requires success in both the written paper and the in-person specialist interview

Exam / Certification Fees

Set for each sitting by the Insurance Research Institute and paid online in Iranian rials at registration through azmoon.irc.ac.ir

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Official sources

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

20%

Insurance law and the principles governing claims (اصول و مقررات حقوقی خسارت)

The Insurance Act of 1316 as it bears on claims: insurable interest under Article 4, the duty to mitigate and the five-day notice under Article 15, average under Article 10, the deliberate and innocent misstatement rules in Articles 12 and 13, the measure of loss in Article 19, subrogation under Article 30 and the two-year limitation in Article 36, together with indemnity, contribution and proximate cause.

25%

Regulation 85 and the professional standards of loss adjusters (آیین‌نامه ۸۵)

The definition and authority of the adjuster, the single-field licence under Article 2, the licensing conditions in Article 3, corporate forms in Article 4, the three-year licence in Article 5, the public register in Article 6, prohibited concurrent roles and conflicts of interest in Article 7, the professional liability policy in Article 8, the adjustment contract and fees in Article 9, reporting and record retention in Articles 10 and 11, the dispute panel in Article 13, and the sanctions in Article 18.

25%

Claims investigation and loss assessment method (روش‌های بررسی و ارزیابی خسارت)

Scene safety and preservation, photographic and physical evidence and chain of custody, origin and cause analysis including burn patterns and arc mapping, depreciation and actual cash value, betterment, salvage and franchise, declaration policies, constructive total loss, forensic reconstruction of destroyed stock, and the structure of a reasoned and documented adjustment report.

15%

Motor claims and bodily injury (خسارات وسایل نقلیه و صدمات بدنی)

The Compulsory Motor Third-Party Liability Law of 1395: diyah and arsh and the role of the Legal Medicine Organisation, the sacred months, the conventional vehicle rule under Article 8, the insurer's rights of recovery under Article 15, the Bodily Injury Compensation Fund, delayed fatalities, apportionment of fault, motor hull depreciation, theft procedure, diminution of value and the detection of staged collisions.

15%

Property, cargo and engineering claims (خسارات اموال، باربری و مهندسی)

Fire and allied perils under the general conditions of Regulation 21, debris removal and building-code exposures, marine cargo under the Institute Cargo Clauses with general and particular average and average bonds, contractors and erection all risks including maintenance periods and defect exclusions, machinery breakdown and its loss of profits cover, and product liability and the recall exclusion.

Preparing for the Iran Loss Adjuster Exam Exam

What You Need to Know

Passing score: Not published by Central Insurance of Iran; Article 3 of Regulation 85 requires success in both the written paper and the in-person specialist interview
Assessment: Licensing under High Council of Insurance Regulation 85 has several stages. Article 3 requires Iranian nationality, a minimum age of 25, freedom from narcotic addiction, completion of military service for men, absence of bad repute and of the criminal convictions the article lists, at least a bachelor's degree, three years of useful experience in loss adjusting in the specialist field applied for, success in Central Insurance's written examination AND in an in-person specialist interview, and completion of a specialised and orientation training course — 80 hours in practice, made up of 56 general hours and 24 hours in the chosen field. Applicants with at least ten years of experience in the field are exempt from the written paper, and fifteen years reduces the education requirement to a diploma. The written paper is delivered by the Insurance Research Institute on a roughly quarterly cycle, in person in Tehran, as a four-option multiple-choice examination; the Institute does not publish the item count, the duration or the pass mark. Article 2 issues the individual licence for one specialist insurance field only, and Article 5 makes the licence valid for three years, renewable.
Time limit: Not published; the Insurance Research Institute states the duration in the notice for each sitting
Exam / certification fees: Set for each sitting by the Insurance Research Institute and paid online in Iranian rials at registration through azmoon.irc.ac.ir Official sources

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Iran Loss Adjuster Exam: Suggested Study Strategy

1Read Regulation 85 straight through once and then learn it by article: 1 definition, 2 single field, 3 conditions, 4 corporate forms, 5 three-year licence, 6 public register, 7 conflicts, 8 professional liability policy, 9 adjustment contract and fee, 10 and 11 reporting and retention, 13 dispute panel, 15 insurers must use licensed adjusters, 18 sanctions, 20 replacement of Regulation 50.

2Anchor the claims law in the Insurance Act of 1316: Article 4 insurable interest, Article 10 average, Articles 12 and 13 misstatement, Article 15 notice and mitigation, Article 19 measure of loss, Article 30 subrogation and Article 36 limitation.

3Practise the calculation sequence in order — assessed loss, average, salvage, franchise, sum insured — and write it out step by step, because a report that shows the steps is far harder to dispute.

4For motor bodily injury, distinguish diyah from arsh and remember that the percentage is certified by the Legal Medicine Organisation, and that taghliz requires both the act and the death to fall in a sacred month.

5Keep the regulation numbers straight: fire is Regulation 21, marine cargo is 79, personal accident is 84, loss adjusting is 85, medical expenses is 99 and insurance agency is 106.

6Learn where cover stops: the defective part itself in engineering, recall costs in product liability, code-driven demolition in fire, and inherent vice in cargo.

Frequently Asked Questions

What does Regulation 85 require before a loss adjuster licence is issued?

Article 3 requires Iranian nationality, a minimum age of 25, freedom from narcotic addiction, completion of military service for men, absence of bad repute and of the criminal convictions listed, at least a bachelor's degree, three years of useful experience in the specialist field applied for, success in Central Insurance's written examination and in an in-person specialist interview, and completion of a specialised and orientation training course. Article 8 adds a professional liability insurance policy.

Is the assessment only a written paper?

No. Article 3 makes success in the written paper and in an in-person specialist interview at Central Insurance separate conditions of the licence. Applicants with at least ten years of experience in the field are exempt from the written paper, but not from the interview.

How many questions does the written paper carry and what is the pass mark?

Central Insurance of Iran and the Insurance Research Institute publish the format — a four-option multiple-choice paper sat in person in Tehran, on a roughly quarterly cycle — but do not publish the number of questions, the duration or the pass mark. Candidates should read the notice for the sitting they enter.

Can an adjuster work across every class of insurance?

No. Article 2 of Regulation 85 issues the individual licence in one specialist insurance field only, and a note to Article 4 requires a corporate adjuster's report to be prepared by someone licensed in the relevant field. An adjusting firm may hold several fields, subject to a minimum capital for each.

Can an insurance agent or broker also act as an independent loss adjuster?

No. Article 7 of Regulation 85 bars individual agents and official brokers, and the directors and staff of insurers, corporate agencies, corporate brokers and Central Insurance itself, from holding an adjuster licence or office in an adjusting firm. Regulation 106 imposes the mirror prohibition from the agency side.

Is this question bank in the same language and format as the official assessment?

The written paper is in Persian and the assessment also includes an in-person interview. This is an independent English-language multiple-choice study adaptation by OpenExamPrep of the Regulation 85 framework and the technical knowledge the role requires. It does not reproduce official exam questions, it cannot simulate the interview, and it is not produced or approved by Central Insurance of Iran or the Insurance Research Institute.