PracticeVideosBlogFlashcardsEspañol
All Practice Exams

100+ Free CMI (Motor Dealers) Practice Questions

Pass your SCI Certificate of Proficiency in Motor Insurance for Motor Dealers (Singapore) 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 Certificate of Proficiency in Foreign Domestic Worker Insurance (Singapore)

Practice Questions

SCI Certificate of Proficiency in Foreign Worker Insurance (Singapore)

Practice Questions

SCI Certificate of Proficiency in Travel Insurance (Singapore)

Practice Questions

SCI Certification in Reinsurance (Singapore)

Practice Questions

SCI CLU®/S CLUS01 Individual Life Insurance (Singapore)

Practice Questions
2026 Statistics

Key Facts: CMI (Motor Dealers) Exam

75

Exam Questions

SCI 2026

90 mins

Exam Time

SCI 2026

70%

Passing Score (53/75)

SCI 2026

S$300.00

Exam Fee (incl. GST)

SCI 2026

Open-Book

Exam Mode

SCI CSE

24 Hours

MCF Accident Reporting

GIA Singapore

The SCI Certificate of Proficiency in Motor Insurance for Motor Dealers exam features 75 multiple-choice questions in a 90-minute open-book computer screen examination (CSE). A score of 70% (53/75) is required to pass. The fee is S$300.00 (inclusive of 9% GST). Key focus areas include mandatory TPO insurance, trade plate coverage for motor traders, NCD calculation and step-back rules, GIA 24-hour accident reporting, BOLA liability rules, and repair workshop endorsements.

Sample CMI (Motor Dealers) Practice Questions

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

1Under the Motor Vehicles (Third-Party Risks and Compensation) Act of Singapore, what is the mandatory minimum insurance cover required for any motor vehicle driven on public roads?
A.Third-Party Only (TPO) cover for third-party death and bodily injury
B.Comprehensive cover including own-damage and wind-screen replacement
C.Third-Party, Fire and Theft (TPFT) cover up to S$500,000
D.Personal Accident cover for the vehicle owner and passenger
Explanation: The Motor Vehicles (Third-Party Risks and Compensation) Act mandates that every motor vehicle used on public roads in Singapore must have at least Third-Party Only (TPO) insurance covering liability for third-party death and bodily injury. Under Singapore law, liability for third-party death and bodily injury is unlimited. Property damage cover and own-damage cover are commercial policy inclusions, not statutory minimums under the Act.
2What is the standard indemnity boundary provided by a basic Third-Party Only (TPO) motor insurance policy in Singapore?
A.Indemnity for third-party death, bodily injury, and third-party property damage only
B.Indemnity for third-party injury, own-vehicle fire damage, and theft
C.Indemnity for own-vehicle damage, medical expenses, and third-party liabilities
D.Indemnity exclusively for third-party death with zero property damage cover
Explanation: A basic Third-Party Only (TPO) policy indemnifies the insured against legal liabilities for third-party death, bodily injury (unlimited by law), and third-party property damage (typically capped at S$5,000,000 for private cars). It does not provide any coverage for loss or damage to the insured's own vehicle.
3How does a Third-Party, Fire and Theft (TPFT) policy differ from a standard Third-Party Only (TPO) policy?
A.TPFT extends TPO coverage to include loss or damage to the insured vehicle caused directly by fire or theft
B.TPFT covers accidental own-damage repair costs in addition to third-party claims
C.TPFT eliminates the requirement to pay a policy excess on third-party property claims
D.TPFT provides unlimited coverage for personal accident claims incurred by the driver
Explanation: A TPFT policy includes all the third-party liabilities of a TPO policy (third-party death, injury, and property damage) and adds coverage for loss or damage to the insured vehicle caused specifically by fire or theft. It does not cover accidental collision damage to the insured's own vehicle.
4Which of the following perils is covered under a Comprehensive motor insurance policy but EXCLUDED under a Third-Party, Fire and Theft (TPFT) policy?
A.Accidental collision damage to the insured vehicle
B.Legal liability for third-party bodily injury
C.Damage to the insured vehicle caused by lightning fire
D.Loss of the insured vehicle due to theft by unknown persons
Explanation: Comprehensive motor insurance covers accidental collision or overturning damage to the insured's own vehicle, which is strictly excluded under TPFT policies. Both TPFT and Comprehensive policies cover third-party liabilities as well as fire and theft loss.
5Under the standard General Insurance Association (GIA) No-Claim Discount (NCD) scale for private motor cars in Singapore, what is the maximum discount achievable?
A.50%
B.30%
C.40%
D.60%
Explanation: In Singapore, the NCD scale for private motor cars increases by 10% per consecutive claim-free year up to a maximum cap of 50% after 5 consecutive claim-free years (10%, 20%, 30%, 40%, 50%).
6How many consecutive claim-free years must a private car owner maintain to earn the maximum 50% No-Claim Discount (NCD) in Singapore?
A.5 years
B.3 years
C.4 years
D.10 years
Explanation: A private car owner earns 10% NCD for each consecutive year without any claims. Reaching the maximum 50% NCD requires 5 consecutive claim-free policy years.
7Under the GIA Motor Claims Framework (MCF), within what timeframe must a motorist report an accident to an Approved Reporting Centre (ARC)?
A.Within 24 hours or by the next working day
B.Within 7 days of the accident
C.Within 48 hours excluding public holidays
D.At any time prior to submitting a workshop repair bill
Explanation: The GIA Motor Claims Framework (MCF) mandates that all motor accidents, regardless of whether there is visible damage or an intention to claim, must be reported to an Approved Reporting Centre (ARC) or authorized workshop within 24 hours or by the next working day.
8What is the primary purpose of a Trade Plate (Motor Trader) insurance policy issued to a motor dealership in Singapore?
A.To cover liabilities and vehicle risks when driving unregistered, imported, or customer vehicles displaying dealer trade plates
B.To provide life insurance coverage for car sales executives during customer test drives
C.To insure the permanent showroom building against fire and flood risks
D.To guarantee vehicle loan repayments if a buyer defaults on financing
Explanation: Trade Plate (Motor Trader) insurance provides flexible motor insurance cover for motor dealers, repairers, and traders operating unregistered vehicles, imported cars awaiting registration, or customer vehicles displaying trade plates during test drives, transit, or road trials.
9What visual identifier distinguishes a Trade Plate displayed on an unregistered vehicle operated by a Singapore motor dealer?
A.A blue plate with white lettering starting with the letter 'T'
B.A yellow plate with black lettering starting with 'SBS'
C.A red plate with white lettering starting with 'RD'
D.A green plate with white lettering starting with 'EV'
Explanation: In Singapore, Trade Plates issued by the Land Transport Authority (LTA) to motor traders feature a distinctive blue background with white lettering starting with the prefix 'T' (or 'S' series trade marks), indicating special motor trader status.
10If a private car policyholder holding a 50% No-Claim Discount (NCD) incurs one at-fault claim during a policy year, what will their NCD be upon renewal under standard GIA step-back rules?
A.20%
B.0%
C.30%
D.40%
Explanation: Under standard GIA NCD step-back rules for private motor cars, making one at-fault claim results in a 30% reduction (step-back) in NCD. Thus, a 50% NCD steps back by 30% down to 20% upon policy renewal.

About the CMI (Motor Dealers) Exam

The SCI Certificate of Proficiency in Motor Insurance for Motor Dealers (CMI) is a professional designation administered by the Singapore College of Insurance. Designed specifically for motor vehicle dealers, sales representatives, motor traders, and insurance intermediaries in Singapore, the examination tests practical and regulatory knowledge of motor insurance. Key topics include the statutory Motor Vehicles (Third-Party Risks and Compensation) Act, policy structures (TPO, TPFT, Comprehensive), Trade Plate insurance for motor traders, No-Claim Discount (NCD) mechanics, underwriting excesses, the GIA Motor Claims Framework (MCF), Barometer of Liability Guidelines (BOLA), and workshop repair endorsements.

Assessment

75 multiple-choice questions (4 options each)

Time Limit

1 hour 30 minutes (90 minutes)

Passing Score

70% (53 of 75 correct)

Exam Fee

S$300.00 (inclusive of 9% GST) (Singapore College of Insurance (SCI))

CMI (Motor Dealers) Exam Content Outline

20%

Legal Framework & Mandatory Insurance Act

Motor Vehicles (Third-Party Risks and Compensation) Act, statutory compulsory TPO cover, third-party death and bodily injury liabilities, rights of injured third parties, and insurer recovery rights.

20%

Types of Motor Cover & Policy Scope

Third-Party Only (TPO), Third-Party Fire & Theft (TPFT), and Comprehensive policy structures, standard indemnities, policy limits, geographical territories, and excluded perils.

15%

Trade Plate & Motor Trader Insurance

Trade plate regulations, motor trader policies, unregistered vehicle transit, customer test-drives, garage keeping risks, and custody obligations.

15%

No-Claim Discount (NCD) & Underwriting

NCD progression scales (private vs commercial), GIA NCD 30% step-back rules, NCD protector rider, named vs unnamed drivers, young/inexperienced driver excesses, and risk loading.

15%

Motor Claims Framework (MCF) & BOLA

GIA Motor Claims Framework 24-hour mandatory reporting, Approved Reporting Centres (ARCs), Barometer of Liability Guidelines (BOLA) collision fault rules, and loss of use claims.

15%

Workshop Endorsements & Claims Settlement

Authorized panel workshops vs any workshop endorsements, Market Value vs Agreed Value loss settlements, constructive total loss calculation, and fire/theft claims procedures.

How to Pass the CMI (Motor Dealers) Exam

What You Need to Know

  • Passing score: 70% (53 of 75 correct)
  • Assessment: 75 multiple-choice questions (4 options each)
  • Time limit: 1 hour 30 minutes (90 minutes)
  • Exam fee: S$300.00 (inclusive of 9% GST)

Keys to Passing

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

CMI (Motor Dealers) Study Tips from Top Performers

1Memorize the mandatory provisions of the Motor Vehicles (Third-Party Risks and Compensation) Act, especially regarding third-party death/injury vs property damage.
2Master the NCD step-back formula for both private cars (30% reduction per claim) and commercial vehicles.
3Understand Trade Plate insurance rules: when trade plates are required, who is covered during test drives, and garage keeping liabilities.
4Study GIA BOLA scenarios: rear-end collisions (100% rear driver fault), minor road emerging (100% minor road fault), roundabout entry (100% entering driver fault), and simultaneous lane change (50:50).
5Learn the difference between Market Value (depreciated market price) and Agreed Value (pre-fixed sum insured) in total loss settlements.
6Understand Young and Inexperienced Driver Excess (YIDE) applications and how they stack on top of standard policy excess.
7Review the GIA MCF 24-hour reporting mandate and the consequences of delayed accident reporting.

Frequently Asked Questions

What is the SCI Certificate of Proficiency in Motor Insurance for Motor Dealers?

It is a professional certification offered by the Singapore College of Insurance (SCI) for motor dealers, vehicle sales advisors, and insurance agents in Singapore. It certifies that the holder possesses comprehensive knowledge of Singapore motor insurance laws, policy coverages, trade plate rules, and motor claims frameworks.

What is the format and duration of the CMI Motor Dealers exam?

The exam is an open-book Computer Screen Examination (CSE) consisting of 75 multiple-choice questions. Candidates are given 1 hour 30 minutes (90 minutes) to complete the test.

What is the passing score and exam fee?

The passing score is 70% (answering at least 53 out of 75 questions correctly). The examination fee is S$300.00, which includes 9% Singapore GST.

What topics are tested on the motor dealers insurance exam?

The exam tests six primary modules: the Motor Vehicles (Third-Party Risks and Compensation) Act, TPO/TPFT/Comprehensive policy covers, Trade Plate and Motor Trader insurance, NCD scales and step-back rules, GIA Motor Claims Framework (MCF) and BOLA collision liability, and workshop repair endorsements alongside loss valuation methods.

What does 'open-book' mean for SCI CSE exams?

Candidates are permitted to bring official printed study texts or approved reference manuals into the examination room. Electronic devices, smartwatches, and loose handwritten notes are strictly prohibited.

How does the No-Claim Discount (NCD) step-back rule work in Singapore?

For private motor cars, making one at-fault claim reduces the NCD by 30% upon policy renewal (e.g., from 50% down to 20%). Making a second claim in the same policy term reduces the NCD to 0%.

Why is the GIA 24-hour Motor Claims Framework (MCF) reporting rule important?

Under the MCF, insured drivers must report any motor accident within 24 hours or by the next working day to an Approved Reporting Centre (ARC). Failure to report can result in a 10% penalty reduction of NCD upon renewal and potential repudiation of claim liability by the insurer.