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Free Practice Questions for Prova di idoneità IVASS RUI (Sezioni A e B)

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Key Facts: Prova di idoneità IVASS RUI (Sezioni A e B) Exam

CAP Art. 110

Statutory basis for the qualifying exam

D.Lgs. 7 settembre 2005, n. 209

50 questions

Modulo assicurativo, three options each

IVASS notice for the 11 June 2026 session

75 minutes

Time for the Modulo assicurativo

IVASS notice for the 11 June 2026 session

60/100

Minimum passing score

IVASS Provvedimento n. 165/2025, Art. 7

+1 / 0 / −0.5

Correct, omitted and wrong answers (June 2026 session)

IVASS notice for the 11 June 2026 session

€70 + €16

PagoPA contribution plus marca da bollo

IVASS application notice, February 2026

2 sessions

Scheduled in 2026 (11 June and 3 December)

IVASS Provvedimento n. 165/2025 and exam page

English MCQ adaptation

Independent practice, not an official translation or simulation

OpenExamPrep

The IVASS RUI qualifying exam is required for natural persons registering as insurance agents (Section A) or brokers (Section B) in Italy. The Modulo assicurativo has 50 three-option multiple-choice questions in 75 minutes, drawn from IVASS's published database, with a 60/100 pass mark; the June 2026 session scored +1 correct, 0 omitted and −0.5 wrong. OpenExamPrep's independent English-language practice covers insurance law, intermediary rules, insurance technique, private law, consumer protection, tax and supplementary pensions.

Sample Prova di idoneità IVASS RUI (Sezioni A e B) Practice Questions

Try these sample questions to review concepts for the Prova di idoneità IVASS RUI (Sezioni A e B) exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under Article 1882 of the Italian Civil Code, which description matches the legal definition of the insurance contract (contratto di assicurazione)?
A.Against a premium, the insurer indemnifies the insured, within agreed limits, for damage caused by a loss event; life-related capital or annuity payments are governed only by separate contracts
B.Against a premium, the insurer guarantees that a third-party debtor will perform its obligations towards the insured, within the limits agreed in the policy
C.Against a premium, the insurer indemnifies the insured, within agreed limits, for damage caused by a loss event, or pays a capital or annuity when an event relating to human life occurs
D.Against a premium, the insurer pays a capital or annuity when an event relating to human life occurs; indemnity for property damage is a separate contract of guarantee
Explanation: Article 1882 c.c. contains a single definition covering both branches: the insurer, in return for a premium, undertakes to compensate the insured within agreed limits for damage caused by a loss event (sinistro), or to pay a capital or an annuity when an event relating to human life occurs. This dual structure underlies the Civil Code split between non-life (danni) and life (vita) insurance.
2According to Article 1888 of the Italian Civil Code, what role does written form play in the insurance contract?
A.The contract must be proved in writing, and the insurer must issue the policy or another document signed by it to the policyholder
B.Written form is required for validity, so a contract not made in writing is null even if both parties admit it exists
C.The contract may be proved by any means, including witnesses, and the insurer issues a policy only if the policyholder asks for one
D.Written form is needed only for life insurance; non-life contracts may be concluded and proved orally
Explanation: Article 1888 c.c. provides that the insurance contract must be proved in writing (forma ad probationem) and obliges the insurer to issue the policy or another document signed by it. The policyholder may also obtain duplicates or copies at their own request and expense. Written form therefore concerns proof, not the validity of the agreement.
3Acting with gross negligence (colpa grave), a policyholder failed to disclose a circumstance that would have led the insurer to refuse cover. Under Article 1892 of the Italian Civil Code, what must the insurer do to keep its right to annul the contract?
A.Bring a court action for annulment within one year of the contract's conclusion, whether or not it knew of the omission
B.Send the insured a written withdrawal (recesso) within one month of learning of the circumstance, effective after fifteen days
C.Notify both IVASS and the policyholder within 60 days of discovering the inaccuracy, stating the grounds for annulment
D.Declare to the policyholder, within three months of learning of the inaccuracy, that it intends to challenge the contract
Explanation: Under Article 1892 c.c., inaccurate statements or reticence made with intent (dolo) or gross negligence about material circumstances make the contract voidable. The insurer loses the right to challenge it unless, within three months of learning of the inaccuracy, it declares to the policyholder that it intends to do so. It keeps the premiums for the current period and in any case the premium agreed for the first year, and owes nothing if the loss occurs before that three-month term expires.
4Without intent or gross negligence, a policyholder understated a risk. The agreed premium was €300, but the correct premium would have been €400. A covered loss of €10,000 occurs before the insurer discovers the error. Applying the proportional reduction of Article 1893 of the Italian Civil Code on the basis of the premium ratio, what does the insurer pay?
A.€10,000
B.€7,500
C.€2,500
D.Nothing, because the misstatement makes the contract voidable
Explanation: Where the policyholder acted without intent or gross negligence and the loss occurs before the insurer learns of the inaccuracy, Article 1893 c.c. reduces the sum due in proportion to the difference between the agreed premium and the premium that would have applied. Using the premium ratio, €10,000 × (€300 ÷ €400) = €7,500. The contract is not voidable in this case; the insurer's separate remedy is withdrawal within three months of discovering the inaccuracy.
5Under Article 1895 of the Italian Civil Code, what is the effect on an insurance contract if the risk had already ceased to exist before the contract was concluded?
A.The contract is voidable at the request of the policyholder within three months
B.The contract dissolves, but the insurer keeps the premium for the first annual period
C.The contract remains valid, and the policyholder may ask for a proportional premium reduction
D.The contract is null
Explanation: Article 1895 c.c. states that the contract is null if the risk never existed or had ceased to exist before the contract was concluded. Risk is an essential element of the insurance contract, so without it there is nothing for the insurer to cover. This differs from Article 1896, which governs a risk that ceases after conclusion.
6An insured warehouse is demolished halfway through the annual insurance period, but the insurer is informed only three months later. Under Article 1896 of the Italian Civil Code, what is the insurer entitled to?
A.Premiums until the cessation of risk is communicated or otherwise becomes known to it, with the premium for the period then current due in full
B.Premiums only up to the day of demolition, with any excess already paid refunded to the policyholder pro rata temporis
C.Premiums for the entire remaining duration of the contract, because a contract whose risk has ceased continues until its natural expiry
D.Only reimbursement of its expenses, because the contract is treated as null from the start
Explanation: Article 1896 c.c. provides that the contract dissolves if the risk ceases to exist after conclusion, but the insurer is entitled to the premiums until the cessation is communicated to it or otherwise comes to its knowledge. The premiums for the insurance period in progress at that moment are due in full. Reimbursement of expenses alone applies only where cover was due to start later and the risk ceased in the interval.
7A policyholder notifies the insurer of a change that reduces the risk enough that a lower premium would have been agreed at inception. Under Article 1897 of the Italian Civil Code, what is the insurer's position?
A.It may keep charging the original premium until the contract expires and must apply the lower premium only from the next renewal
B.It must refund the premium difference retroactively from the date the risk actually diminished, even before it was notified
C.From the next premium due after the notice it can demand only the lower premium, but it may withdraw within two months of the notice
D.It may withdraw immediately without giving notice, with the withdrawal effective the same day and no premium reduction owed
Explanation: Under Article 1897 c.c., once the policyholder communicates a diminution of risk, the insurer may demand only the lower premium starting from the next premium or instalment due after the communication. It may instead withdraw within two months of the communication, and the withdrawal takes effect one month later. The rule protects the policyholder without forcing the insurer to keep the contract on changed terms.
8After receiving notice of an aggravation of risk, an insurer that would have accepted the aggravated risk only for a higher premium sends the insured a written withdrawal. Under Article 1898 of the Italian Civil Code, when does the withdrawal take effect?
A.Immediately upon communication to the insured
B.Fifteen days after communication
C.One month after communication
D.At the end of the current annual insurance period
Explanation: Article 1898 c.c. lets the insurer withdraw by written notice within one month of receiving notice of, or otherwise learning about, the aggravation. The withdrawal takes effect immediately if the insurer would not have insured the aggravated risk at all, and after fifteen days if it would have required a higher premium. If a loss occurs before these terms expire, the insurer pays nothing in the first case and a proportionally reduced sum in the second.
9Under Article 1901 of the Italian Civil Code, if the policyholder does not pay the first premium (or first premium instalment) set by a non-life contract, what happens to the cover?
A.Cover starts on the agreed date and is suspended only from the fifteenth day after that date
B.The contract is null, because payment of the first premium is an essential element
C.Cover starts on the agreed date, and the insurer may deduct the unpaid premium from any claim payment
D.Cover is suspended until 24:00 on the day the policyholder pays what is due
Explanation: Article 1901, paragraph 1 c.c. provides that if the first premium or first instalment is not paid, the insurance remains suspended until 24:00 on the day the policyholder pays. The fifteen-day grace period applies only to later premiums. If the insurer does not act to collect within six months of the due date, the contract is resolved by operation of law.
10A non-life policy has a subsequent premium due on 1 March, which the policyholder does not pay. Under Article 1901, paragraph 2 of the Italian Civil Code, from when is the cover suspended?
A.From 24:00 on 1 March, the due date itself
B.From 24:00 on the fifteenth day after the due date
C.From 24:00 on the thirtieth day after the due date
D.Only from the day the insurer sends a formal payment reminder
Explanation: For premiums after the first, Article 1901, paragraph 2 c.c. keeps the cover in force until 24:00 on the fifteenth day after the due date, when the insurance is suspended. Cover resumes at 24:00 on the day payment is made. A loss occurring during the suspension is not covered.

About the Prova di idoneità IVASS RUI (Sezioni A e B) Exam

The Prova di idoneità per l'iscrizione nelle Sezioni A e B del Registro degli intermediari assicurativi, anche a titolo accessorio, e riassicurativi is the qualifying exam that IVASS runs under Article 110 of the Italian Private Insurance Code (Legislative Decree 209/2005) and IVASS Regulation 40/2018. Natural persons must pass it to register in the RUI as insurance agents (Section A) or brokers (Section B). IVASS Provvedimento n. 165 of 2 December 2025 set two sessions in 2026. The Modulo assicurativo is a written test of 50 single-answer multiple-choice questions, each with three options, drawn from IVASS's published question database, with a pass mark of 60/100. The exam is administered in Italian. This bank is independent OpenExamPrep practice: an English-language MCQ study adaptation with four options per question, not an official translation, a copy of the IVASS database, or a simulation of the exam.

Exam sponsor: IVASS — Istituto per la Vigilanza sulle Assicurazioni. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

IVASS runs the qualifying exam in person as a written test. Candidates choose a module based on the activity they intend to carry on: the Modulo assicurativo (50 questions, 75 minutes), the Modulo riassicurativo for those already qualified in insurance (20 questions, 30 minutes), or the combined module (70 questions, 105 minutes). Questions are single-answer items with three options drawn from the official database published by IVASS and prepared with the University of Florence. For the 11 June 2026 session, answers scored +1 if correct, 0 if omitted and −0.5 if wrong or multiply marked, and candidates needed at least 60/100; texts, phones and calculators are not allowed. There is no oral component. The official assessment is in Italian; OpenExamPrep practice is an independent English-language MCQ study adaptation with four options per question, not an official translation or simulation.

Time Limit

75 minutes (Modulo assicurativo)

Passing Score

60/100

Exam / Certification Fees

€70 (PagoPA) + €16 marca da bollo

Exam sponsor website

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

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.

No official percentage published

Diritto delle assicurazioni, inclusa la disciplina regolamentare IVASS

Civil Code and Private Insurance Code rules on insurance classes, insurance undertakings, the insurance contract (parties, risk, misrepresentation, aggravation and diminution of risk, premium, duration, documentation, limitation periods), insurance supervision, and the ISVAP/IVASS regulations listed in Tabella A of the exam notice.

No official percentage published

Disciplina dell'attività agenziale e di mediazione

Access to intermediation and RUI registration, cancellation and re-registration, the broker guarantee fund, cross-border activity, conduct rules, segregation of client money, pre-contractual information, use of collaborators, distance and multilevel distribution, anti-money laundering, sanctions, and agency and mediation contracts under the Civil Code.

No official percentage published

Tecnica assicurativa

Non-life insurance (insurable and insured value, under- and over-insurance, deductibles, salvage, subrogation), the main non-life classes including accident, health, liability, compulsory motor insurance, fire and theft, credit and suretyship, and life insurance (death, survival and endowment cover, surrender and reduction, unit-linked and index-linked products).

No official percentage published

Nozioni di diritto privato

Natural and legal persons, obligations and their performance or extinction, contracts (elements, formation, validity, invalidity, rescission and termination), representation, and contractual and non-contractual liability.

No official percentage published

Disciplina della tutela del consumatore

Consumer Code (Legislative Decree 206/2005) concepts: professional, consumer and consumer associations; education, information and advertising; and the consumer relationship.

No official percentage published

Disciplina della previdenza complementare

Main supplementary pension forms, open and closed pension funds, and the rules on joining pension funds and conduct in distributing them.

No official percentage published

Nozioni di diritto tributario

Insurance premium tax (object and taxpayer), tax treatment of insurance premiums and benefits, and the tax regime of supplementary pension forms.

Preparing for the Prova di idoneità IVASS RUI (Sezioni A e B) Exam

What You Need to Know

  • Passing score: 60/100
  • Assessment: IVASS runs the qualifying exam in person as a written test. Candidates choose a module based on the activity they intend to carry on: the Modulo assicurativo (50 questions, 75 minutes), the Modulo riassicurativo for those already qualified in insurance (20 questions, 30 minutes), or the combined module (70 questions, 105 minutes). Questions are single-answer items with three options drawn from the official database published by IVASS and prepared with the University of Florence. For the 11 June 2026 session, answers scored +1 if correct, 0 if omitted and −0.5 if wrong or multiply marked, and candidates needed at least 60/100; texts, phones and calculators are not allowed. There is no oral component. The official assessment is in Italian; OpenExamPrep practice is an independent English-language MCQ study adaptation with four options per question, not an official translation or simulation.
  • Time limit: 75 minutes (Modulo assicurativo)
  • Exam / certification fees: €70 (PagoPA) + €16 marca da bollo Official sources

Using Our Practice Resources

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  • Review every answer and explanation
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Prova di idoneità IVASS RUI (Sezioni A e B): Suggested Study Strategy

1Mind the negative marking: in the June 2026 session a wrong answer cost 0.5 points while an omitted answer scored zero, so skip questions you cannot narrow down.
2Study the official IVASS question database in Italian alongside English practice, since every exam question is drawn from that database.
3Learn the Civil Code insurance deadlines side by side: three months to challenge misstatements (Articles 1892–1893), one month to withdraw after aggravation (Article 1898), fifteen days of grace on later premiums and six months to collect (Article 1901).
4Practise deductible, scoperto, first-loss, coinsurance and proportional-rule calculations without a calculator, because calculators are not allowed in the exam room.
5Know the RUI sections (A agents, B brokers, C produttori diretti, D banks and financial intermediaries, E collaborators outside premises, F ancillary intermediaries) and the rules on separate accounts, professional liability insurance and annual updating.

Frequently Asked Questions

What is the IVASS Prova di idoneità and who must take it?

It is the qualifying exam IVASS runs under Article 110 of the Italian Private Insurance Code. Natural persons must pass it to register in the RUI as insurance agents (Section A) or insurance brokers (Section B). The same exam serves both sections; the module chosen depends on whether the candidate will carry on insurance, reinsurance or both activities.

What is the format, duration and scoring of the written exam?

For the Modulo assicurativo, the notice for the 11 June 2026 session set 50 single-answer multiple-choice questions, each with three options, in 75 minutes. Answers scored +1 if correct, 0 if omitted and −0.5 if wrong or multiply marked, and the pass mark is at least 60/100. IVASS communicates the scoring criteria before each session, so check the notice for your sitting.

What are the admission requirements and fees?

Candidates need a secondary-school diploma (diploma di istruzione secondaria superiore) or an equivalent foreign qualification by the application deadline. They apply online with SPID or CIE, pay a €70 contribution through PagoPA, and declare the code of a €16 marca da bollo. Honourability, civil rights and professional liability insurance are requirements for registration in the RUI after passing, not for sitting the exam.

When are the 2026 sessions?

IVASS Provvedimento n. 165/2025 set two sessions in 2026, both at the Nuova Fiera di Roma: 11 June 2026 and 3 December 2026. Applications for the second session are open from 1 September to 12:00 on 15 October 2026, and candidates who did not pass in June may apply.

Is this OpenExamPrep question bank an official IVASS simulation?

No. The official exam is administered in Italian with three-option questions drawn from IVASS's published database. OpenExamPrep's bank is independent English-language practice with four options per question, written as an MCQ study adaptation of the exam's subject areas. It is not an official translation, a copy of the IVASS database, or a simulation of the exam.