PracticeVideosBlogFlashcardsEspañol
All Practice Exams

100+ Free SCI ComGI Practice Questions

Pass your SCI Commercial General Insurance (ComGI) Examination exam on the first try — instant access, no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately
100+ Questions
100% Free

Loading practice questions...

Same family resources

Explore More Singapore Insurance Exams

Continue into nearby exams from the same family. Each card keeps practice questions, study guides, flashcards, videos, and articles in one place.

SCI Basic Insurance Concepts and Principles

Practice Questions

SCI Health Insurance

Practice Questions

SCI Personal General Insurance

Practice Questions
2026 Statistics

Key Facts: SCI ComGI Exam

50 questions

The ComGI examination has 50 multiple-choice questions

Singapore College of Insurance - Certification in General Insurance

75 minutes

Time allowed to complete the ComGI examination

Singapore College of Insurance - Certification in General Insurance

70%

Pass mark for ComGI - at least 35 of 50 questions correct

Singapore College of Insurance - Certification in General Insurance

9 chapters

Commercial general insurance classes covered by the ComGI syllabus

Singapore College of Insurance - ComGI study text

SGD 76.30

ComGI examination fee for 9am-5pm sessions, inclusive of GST

CMFAS / SCI examination fee schedule

3 modules

BCP, PGI and ComGI together form the Certification in General Insurance

Singapore College of Insurance - Certification in General Insurance

Commercial lines

ComGI covers non-personal classes; PGI covers personal lines

Singapore College of Insurance - Certification in General Insurance

100

Free original practice questions in this bank

OpenExamPrep

The SCI Commercial General Insurance (ComGI) examination is a Singapore College of Insurance module within the Certification in General Insurance (CGI), alongside BCP and PGI. It has 50 multiple-choice questions to be answered in 75 minutes, with a 70% pass mark (35 of 50 correct). The examination fee is about SGD 76.30 for sessions between 9am and 5pm and about SGD 82.84 after 5pm, inclusive of GST. The syllabus spans nine commercial classes: property, business interruption, liability and contingency, commercial motor, marine and aviation, construction and machinery, pecuniary, foreign worker, and group personal accident and corporate travel insurance. This 100-question bank gives original, syllabus-aligned practice with full explanations, kept distinct from the personal-lines PGI module.

Sample SCI ComGI Practice Questions

Try these sample questions to test your SCI ComGI exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under a Fire insurance policy in Singapore, the 'condition of average' applies when:
A.The sum insured is less than the actual value of the property at the time of loss
B.The insured has more than one fire policy on the same property
C.The claim is settled on a new-for-old basis
D.The loss is caused by an excluded peril
Explanation: The condition of average (underinsurance) operates when the sum insured is below the value at risk at the time of loss. The claim is then reduced in the proportion that the sum insured bears to the full value, so the insured bears part of the loss as a co-insurer.
2A factory is insured for SGD 600,000 but its actual value at the time of a fire is SGD 1,000,000. A partial loss of SGD 200,000 occurs. Applying average, how much is payable?
A.SGD 200,000
B.SGD 120,000
C.SGD 80,000
D.SGD 600,000
Explanation: Average payout = (sum insured / value at risk) x loss = (600,000 / 1,000,000) x 200,000 = SGD 120,000. The insured carries the remaining SGD 80,000 as a self-insurer of the underinsured portion.
3Which of the following is a 'special peril' that is typically added by extension to a standard Fire policy rather than included as standard?
A.Fire
B.Lightning
C.Flood
D.Explosion of domestic boilers
Explanation: Flood is a special (additional) peril usually added by extension and rated separately because of its catastrophe potential. Fire, lightning and limited domestic boiler explosion are normally part of the standard fire cover.
4A Property All Risks (PAR) policy differs from a standard Fire policy mainly because it:
A.Covers only fire and lightning
B.Insures against all sudden and accidental physical loss or damage unless specifically excluded
C.Excludes business interruption only
D.Provides liability cover to third parties
Explanation: A Property All Risks policy operates on an 'all risks' basis: it covers any sudden and accidental physical loss or damage unless an exclusion applies. A standard Fire policy is a 'named perils' contract covering only the listed perils.
5Reinstatement value (new-for-old) cover under a Fire policy means the claim is settled on the basis of:
A.Market value after deducting depreciation
B.The cost of rebuilding or replacing with new property of the same kind
C.The original purchase price
D.The book value in the accounts
Explanation: Reinstatement (new-for-old) settles a claim on the cost of rebuilding or replacing damaged property with new property of the same kind and capacity, without deduction for wear and tear. The reinstatement work must usually be carried out for the full benefit to apply.
6Which item is normally EXCLUDED from a standard Fire/Property policy unless specifically declared and insured?
A.Office furniture
B.Machinery
C.Cash, bullion and precious stones
D.Building structure
Explanation: Cash, bullion, precious stones, deeds and similar valuables are excluded from standard property cover unless specifically declared and insured, often under a separate money or specie policy, because of their concealment and theft risk.
7Business Interruption (Consequential Loss) insurance is designed to cover:
A.The cost of repairing physical damage to the buildings
B.Loss of gross profit and increased cost of working following an insured material damage event
C.Third-party liability claims
D.Theft of stock only
Explanation: Business Interruption insurance covers the financial consequences of an interruption to the business - principally loss of gross profit and increased cost of working - following physical damage by an insured peril. It does not pay for the physical repair itself, which is the material damage policy's role.
8The 'material damage proviso' in a Business Interruption policy requires that:
A.The BI sum insured equals the property sum insured
B.There must be material damage insurance in force and a claim admitted (or admissible) under it for the same event
C.The indemnity period must be at least 24 months
D.The insured uses an annual rather than monthly turnover basis
Explanation: The material damage proviso links the BI cover to the property cover: a BI claim is only payable if the property was insured against the same peril and liability has been (or would but for a deductible be) admitted under that material damage policy. This ensures the underlying physical loss is genuine and covered.
9In Business Interruption insurance, the 'maximum indemnity period' is:
A.The longest period for which the insurer will pay following the damage, chosen at inception
B.The time taken to assess the claim
C.The period of the policy year
D.The waiting period before cover starts
Explanation: The maximum indemnity period is the longest period, selected when the policy is arranged, over which loss of gross profit is covered after the damage. It should reflect the realistic time to fully restore the business, which can exceed twelve months for complex operations.
10'Increased Cost of Working' under a Business Interruption policy refers to:
A.The additional expenditure necessarily incurred to avoid or reduce a fall in turnover
B.The cost of repairing damaged machinery
C.Penalty interest on overdue premiums
D.Legal costs of defending a liability claim
Explanation: Increased Cost of Working covers additional expenditure reasonably and necessarily incurred to minimise the reduction in turnover during the indemnity period, such as renting temporary premises or hiring substitute machinery, subject to the economic limit test.

About the SCI ComGI Exam

The SCI Commercial General Insurance (ComGI) examination is one of three modules - with Basic Insurance Concepts and Principles (BCP) and Personal General Insurance (PGI) - that make up the Certification in General Insurance (CGI) administered by the Singapore College of Insurance. ComGI deals with commercial (non-personal) general insurance lines: property and fire, business interruption, public, product, employers' and professional liability, commercial motor, marine cargo and hull, aviation, engineering and construction risks, pecuniary covers such as money and fidelity guarantee, bonds, statutory work injury compensation and foreign worker insurance, and group personal accident and corporate travel insurance. The examination is a computer-based test of 50 multiple-choice questions in 75 minutes with a 70% pass mark. SCI recommends candidates complete the BCP module first because it provides the principles foundation on which ComGI builds.

Assessment

50 multiple-choice questions covering the nine commercial general insurance chapters: property, business interruption, liability and contingency, commercial motor, marine and aviation, construction/machinery/bond, pecuniary, foreign worker, and group personal accident and corporate travel insurance.

Time Limit

75 minutes for the 50 multiple-choice questions.

Passing Score

70% (at least 35 of 50 questions correct).

Exam Fee

About SGD 76.30 for examination sessions between 9am and 5pm and about SGD 82.84 for sessions after 5pm, inclusive of GST; set by the Singapore College of Insurance. (Singapore College of Insurance (SCI))

SCI ComGI Exam Content Outline

22%

Property and Business Interruption Insurance

Fire and property all-risks cover, insured perils and common exclusions, the condition of average and underinsurance, reinstatement value, and business interruption (consequential loss) including gross profit basis, indemnity period, increased cost of working and the material damage proviso.

20%

Liability and Contingency Insurance

Public liability, product liability, employers' liability and professional indemnity, the legal basis of liability (negligence, breach of duty, contract), occurrence versus claims-made triggers, limits of indemnity, costs in addition, and contingency covers such as event cancellation.

18%

Commercial Motor and Foreign Worker Insurance

Commercial motor cover, third-party bodily injury, the Motor Claims Framework, fleet rating, and Singapore statutory covers: Work Injury Compensation Act insurance, Foreign Worker Medical Insurance and the Foreign Worker Security Bond required of employers.

20%

Marine, Aviation and Engineering Insurance

Marine cargo cover and the Institute Cargo Clauses (A, B, C), marine hull and aviation insurance, and engineering classes including contractors' all risks, erection all risks, machinery breakdown, boiler and deterioration of stock.

20%

Pecuniary, Bond and Travel Insurance

Money insurance, fidelity guarantee, and other pecuniary covers; performance, advance payment and other bonds and guarantees; and group personal accident and corporate travel insurance underwriting, scale of benefits and claims.

How to Pass the SCI ComGI Exam

What You Need to Know

  • Passing score: 70% (at least 35 of 50 questions correct).
  • Assessment: 50 multiple-choice questions covering the nine commercial general insurance chapters: property, business interruption, liability and contingency, commercial motor, marine and aviation, construction/machinery/bond, pecuniary, foreign worker, and group personal accident and corporate travel insurance.
  • Time limit: 75 minutes for the 50 multiple-choice questions.
  • Exam fee: About SGD 76.30 for examination sessions between 9am and 5pm and about SGD 82.84 for sessions after 5pm, inclusive of GST; set by the Singapore College of Insurance.

Keys to Passing

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

SCI ComGI Study Tips from Top Performers

1Master the BCP principles first - utmost good faith, insurable interest, indemnity, subrogation and contribution recur throughout every commercial class in ComGI.
2For property and business interruption, practise the condition of average calculation and understand the material damage proviso that links a BI claim to a paid property claim.
3Learn the liability triggers clearly: distinguish occurrence-based covers (public, product, employers') from claims-made covers such as professional indemnity, and know what 'costs in addition' means.
4Memorise the Singapore statutory covers - Work Injury Compensation Act insurance, Foreign Worker Medical Insurance and the Security Bond - including who must buy them and the key limits.
5For marine, be able to compare Institute Cargo Clauses A, B and C and know which is the widest all-risks cover; for engineering, separate CAR, EAR and machinery breakdown.
6Use the 70% pass mark to guide timing: with 50 questions in 75 minutes you have about 90 seconds per question, so flag and return to calculation items rather than stalling.

Frequently Asked Questions

How many questions are on the SCI ComGI examination?

The ComGI examination has 50 multiple-choice questions. Candidates have 75 minutes to complete them and must score 70% (at least 35 correct) to pass.

What does ComGI cover compared with PGI?

ComGI covers commercial (non-personal) general insurance such as property, liability, marine, engineering and pecuniary classes, while PGI covers personal lines such as private motor, home and personal accident. They are separate modules.

Do I need to pass BCP before taking ComGI?

SCI recommends completing the Basic Insurance Concepts and Principles (BCP) module first because it provides the principles foundation that ComGI builds on, though all three modules together form the Certification in General Insurance.

What is the pass mark for ComGI?

The pass mark is 70%, so a candidate must answer at least 35 of the 50 multiple-choice questions correctly. There is no negative marking for wrong answers.

How much does the ComGI examination cost?

The examination fee is about SGD 76.30 for sessions between 9am and 5pm and about SGD 82.84 for sessions after 5pm, inclusive of GST. Fees are set by SCI and may be revised, so confirm the current amount when registering.

Are these official SCI ComGI questions?

No. These are original OpenExamPrep practice questions modelled on the published ComGI syllabus. The Singapore College of Insurance provides the official study text and examination separately.