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Key Facts: BCCILA Exam

150 Q

Exam Questions

Aii

Per part

Time Limit

Aii

50%

Passing Score

Aii

RM 300+

Exam Fee

Aii

BCCILA is a three-part certification exam administered by Aii, with 50 MCQs per part and a 50% passing threshold per part, focusing on loss adjusting in Malaysia.

Sample BCCILA Practice Questions

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

1Which principle of insurance ensures that the insured is restored to the same financial position after a loss as they enjoyed immediately before the loss?

A.Indemnity

B.Subrogation

C.Proximate Cause

D.Utmost Good Faith

Explanation: Indemnity is the exact financial compensation sufficient to place the insured in the same financial position after a loss as they enjoyed immediately before it occurred.

2In insurance, what term refers to the legal right to insure arising out of a financial relationship recognized at law, between the insured and the subject matter of insurance?

A.Insurable Interest

B.Contribution

C.Subrogation

D.Proximate Cause

Explanation: Insurable Interest must exist for an insurance contract to be legally valid. It means the insured must financially suffer if a loss occurs.

3What is the primary role of a loss adjuster in the Malaysian insurance industry?

A.To investigate claims independently and recommend fair settlements based on policy terms

B.To sell insurance policies to prospective clients on behalf of insurers

C.To always deny claims in order to maximize profits for the insurance company

D.To underwrite risks and determine the premium rates for new policies

Explanation: Loss adjusters are independent professionals appointed by insurance companies to investigate complex or contentious claims, ascertain the cause of loss, check policy coverage, and recommend an appropriate settlement amount.

4When an insured deliberately conceals material facts when applying for a policy, which fundamental principle is violated?

A.Utmost Good Faith

B.Indemnity

C.Subrogation

D.Contribution

Explanation: Utmost Good Faith (Uberrimae Fidei) requires full disclosure of all material facts. Concealment violates this principle and can render the policy voidable.

5Under a standard comprehensive motor insurance policy in Malaysia, which of the following is typically NOT covered?

A.Depreciation, wear and tear, and mechanical breakdown

B.Damage to the insured vehicle caused by accidental collision

C.Liability for third-party bodily injury and death

D.Theft of the insured vehicle

Explanation: Standard motor policies exclude loss or damage caused by depreciation, wear and tear, mechanical or electrical breakdowns, failures, or breakages.

6What does a 'Betterment' charge refer to in motor insurance adjusting?

A.A charge to the insured when an old part is replaced with a brand new part, placing the vehicle in a better condition than before the accident

B.A bonus paid by the insurer to a workshop for completing repairs ahead of schedule

C.A discount given to the insured for maintaining a claim-free record

D.An extra premium charged for insuring high-performance vehicles

Explanation: Betterment occurs when replacing an old, worn part with a new one increases the vehicle's overall value compared to its pre-accident condition. The insured is usually required to contribute to the cost of the new part based on a standard betterment scale in Malaysia.

7Which of the following is a vital document a loss adjuster must obtain when investigating a motor theft claim?

A.The original Police Report lodged by the insured

B.A detailed medical report of the driver

C.The service manual of the stolen vehicle

D.The original sales brochure of the car from the manufacturer

Explanation: A Police Report is absolutely critical for a theft claim to formally document the incident with law enforcement and to initiate the claim investigation.

8What is 'Knock-for-Knock' agreement in the context of Malaysian motor insurance?

A.An agreement among insurers where each pays for damage to its own policyholder's vehicle, regardless of who was at fault, provided both have comprehensive cover

B.An agreement where the at-fault driver pays the other driver in cash at the scene of the accident

C.An agreement between a repair workshop and an insurer to provide discounted repair rates

D.An agreement where two uninsured drivers agree to settle damages privately

Explanation: A Knock-for-Knock (KFK) agreement is an arrangement between insurance companies to pay for the repairs of their own insured's vehicle, provided both parties hold comprehensive policies, thereby saving time and legal costs in establishing blame.

9In property insurance, the principle of 'Average' is applied when:

A.The property is under-insured at the time of loss

B.The insured has multiple policies covering the same property

C.The loss is caused by multiple perils simultaneously

D.The property is over-insured at the time of loss

Explanation: The condition of average is invoked when a property is under-insured. It means the insured is considered to be their own insurer for the uninsured proportion, and the claim payout is reduced proportionately.

10An insured's factory, valued at RM 1,000,000, is insured for RM 600,000. A fire causes RM 200,000 in damages. Assuming the policy contains a standard pro-rata average clause, how much will the insurer pay?

A.RM 120,000

B.RM 200,000

C.RM 600,000

D.RM 60,000

Explanation: Applying the formula for average: (Sum Insured / Actual Value) x Loss = (600,000 / 1,000,000) x 200,000 = 0.6 x 200,000 = RM 120,000.

About the BCCILA Exam

The Basic Certificate Course in Insurance Loss Adjusting (BCCILA) is an entry certification covering insurance loss adjusting principles, claims investigation, and reporting in Malaysia.

Exam sponsor: Asian Institute of Insurance (Aii). The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

Three parts (Fundamentals, Motor, Non-Motor), each with 50 MCQs and a 50% passing mark per part.

Time Limit

Each part is examined separately; refer to Aii for per-part scheduling.

Passing Score

50%

Exam / Certification Fees

RM 300 (Part A, inclusive of 8% SST)

Exam sponsor website

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

Official sources

Aii BCCILA Information

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.

30%

Fundamentals of Insurance and Loss Adjusting (Part A)

Principles, legal framework, loss adjusting basics, ethical standards (30% weight, ~30 questions)

35%

Motor Insurance Adjusting (Part B)

Motor insurance coverage, vehicle construction & terminology, damage assessment, claims investigation, settlement guidelines, reporting (35% weight, ~35 questions)

35%

Non-Motor Insurance Adjusting (Part C)

Non-motor insurance coverage (property, liability, etc.), non-motor claims investigation, reporting (35% weight, ~35 questions)

Preparing for the BCCILA Exam

What You Need to Know

Passing score: 50%
Assessment: Three parts (Fundamentals, Motor, Non-Motor), each with 50 MCQs and a 50% passing mark per part.
Time limit: Each part is examined separately; refer to Aii for per-part scheduling.
Exam / certification fees: RM 300 (Part A, inclusive of 8% SST) Official sources

Using Our Practice Resources

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BCCILA: Suggested Study Strategy

1Familiarize yourself with the core principles of insurance such as indemnity, subrogation, and proximate cause.

2Understand the anatomy of a motor vehicle and standard repair terminology used in Malaysia.

3Review the standard procedures for investigating and reporting non-motor claims (e.g., fire, theft).

Frequently Asked Questions

What is the passing score for the BCCILA exam?

The passing mark is 50%.

How long is the BCCILA exam?

The exam consists of three parts (A, B, and C), each with 50 multiple-choice questions. Each part is examined separately.

What are the main topics covered?

Part A covers Fundamentals (30% weight), Part B covers Motor Insurance Adjusting (35%), and Part C covers Non-Motor Insurance Adjusting (35%).