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100+ Free SCI PGI Practice Questions

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Key Facts: SCI PGI Exam

50 questions

The PGI exam has 50 multiple-choice questions

Singapore College of Insurance - CGI exam details

75 minutes

PGI exam duration is 1 hour 15 minutes

Singapore College of Insurance - CGI exam details

70%

Minimum passing grade for PGI is 70% (35 of 50 correct)

Singapore College of Insurance - CGI exam details

7 chapters

PGI covers seven personal-lines product chapters

SCI PGI Study Text syllabus

1.25 CPD hours

Passing PGI gives 1.25 Continuing Professional Development hours

Singapore College of Insurance - CGI exam details

No resit limit

There is no limit on the number of PGI examination resits

Singapore College of Insurance - CGI exam details

S$75-S$85

Approximate PGI examination fee inclusive of GST

Singapore College of Insurance - Exam Fees

100

Free original PGI practice questions here

OpenExamPrep

The SCI Personal General Insurance (PGI) exam is the personal-lines module of the Singapore Certification in General Insurance (CGI), administered by the Singapore College of Insurance. It has 50 multiple-choice questions, a 75-minute time limit and a 70% pass mark, meaning at least 35 correct answers. The seven chapters cover private motor, household/home, personal accident, travel, personal liability, health (critical illness and hospital cash) and foreign domestic worker plus golfer's insurance. One mark is given per correct answer with no penalty for wrong answers, and only a Result Slip is issued. This 100-question bank provides original practice across all seven product areas and the regulatory framework.

Sample SCI PGI Practice Questions

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

1Under Singapore law, which type of motor insurance cover must a private car owner have at minimum before the vehicle can be lawfully used on a public road?
A.Comprehensive cover
B.Third-party fire and theft cover
C.Third-party bodily injury liability cover
D.No insurance is legally required for private cars
Explanation: The Motor Vehicles (Third-Party Risks and Compensation) Act makes third-party cover for death or bodily injury to others compulsory before a vehicle may be used on a road. Anything beyond that, such as third-party property damage or own-damage cover, is optional.
2A motorist holds a Private Car Comprehensive policy. Which of the following losses would NOT be covered under the own-damage section?
A.Accidental collision damage to the insured car
B.Damage to the insured car caused by fire
C.Wear and tear and mechanical breakdown of the car
D.Theft of the insured car
Explanation: Comprehensive motor policies cover accidental damage, fire and theft to the insured vehicle, but they specifically exclude wear and tear, depreciation and mechanical or electrical breakdown, which are maintenance matters rather than fortuitous accidents.
3What is the primary purpose of a No-Claim Discount (NCD) on a private motor policy?
A.To reward policyholders who do not make claims with a premium reduction at renewal
B.To increase the sum insured each year
C.To remove the policy excess after one year
D.To extend cover automatically to a second vehicle
Explanation: The NCD is a percentage reduction in premium granted at renewal to drivers who have not made a claim in the preceding period of insurance. It rewards a good claims record and typically rises in steps for each consecutive claim-free year up to a maximum.
4A private car comprehensive policy carries a compulsory excess of S$500 and a voluntary excess of S$1,000 chosen by the insured. The accidental own-damage repair claim is assessed at S$3,200. How much will the insurer pay, assuming no other deductions?
A.S$3,200
B.S$2,700
C.S$1,700
D.S$1,200
Explanation: Both the compulsory and voluntary excesses apply to an own-damage claim, so the total first amount borne by the insured is S$500 + S$1,000 = S$1,500. The insurer pays S$3,200 minus S$1,500, which equals S$1,700.
5Which document must be issued by the insurer and held by the motorist as legal proof of compulsory motor insurance in Singapore?
A.The policy schedule
B.The certificate of insurance
C.The cover note renewal notice
D.The proposal form
Explanation: The certificate of insurance is the legal evidence that compulsory third-party cover is in force, and it must be issued before the cover is effective for road use. Vehicle licensing and many enforcement checks rely on this certificate rather than the full policy document.
6Under a typical private car comprehensive policy, who is usually entitled to drive the insured vehicle while still maintaining full cover?
A.Anyone the insured allows to drive, with no restrictions
B.Only the policyholder and named or authorised drivers permitted under the policy
C.Only drivers over the age of 60
D.Any licensed driver in any country worldwide
Explanation: Cover is granted to the policyholder and to drivers named or authorised under the policy terms (the 'Persons entitled to drive' section). Drivers must hold a valid licence and not be disqualified; driving by an unauthorised person may void or restrict cover.
7An insured car is so badly damaged in an accident that repair costs exceed its market value. How is this normally settled under a comprehensive policy?
A.As a constructive total loss, paying the market value less any excess and salvage arrangements
B.By compelling the insurer to repair the car regardless of cost
C.By paying only the third-party claimant
D.By cancelling the policy with no payment
Explanation: When repair cost approaches or exceeds the vehicle's market value, the insurer declares a total loss (actual or constructive) and pays the market value of the car at the time of loss, less the excess, usually taking over the salvage. The principle of indemnity limits the insured to the value of the loss.
8A motorcyclist wants the cheapest legal cover plus protection against fire and theft of the motorcycle, but does not want to insure accidental damage to their own machine. Which cover suits them?
A.Comprehensive
B.Third-party only
C.Third-party, fire and theft
D.Act-only cover with personal accident
Explanation: Third-party, fire and theft cover provides the compulsory third-party protection plus loss of or damage to the insured's own vehicle by fire or theft, but not accidental own-damage. This is the level the rider described.
9Which of the following is a common standard exclusion under a private car comprehensive policy?
A.Damage while the car is being driven by an authorised driver
B.Liability for death or injury to a third party
C.Loss or damage while the vehicle is being used for an unlawful purpose such as racing
D.Fire damage to the insured car
Explanation: Use of the vehicle for an excluded purpose such as racing, speed testing or other unlawful use falls outside the 'limitations as to use' and is excluded. Standard private car cover applies to social, domestic, pleasure and the insured's own business use, not competitive motorsport.
10Following a not-at-fault accident, a Singapore motorist with comprehensive cover usually reports the accident and claims through which approved channel to protect their NCD and speed up repairs?
A.The Land Transport Authority hotline
B.An authorised reporting centre or workshop under the insurer's claims process
C.The Inland Revenue Authority of Singapore
D.The Housing Development Board
Explanation: Motor accidents should be reported promptly through the insurer's claims process, typically at an authorised reporting centre or approved workshop, within the time stated in the policy. This allows proper documentation, helps establish liability and protects the insured's NCD where they are not at fault.

About the SCI PGI Exam

The SCI Personal General Insurance (PGI) examination is one of the three modules of the Certification in General Insurance (CGI) administered by the Singapore College of Insurance, alongside Basic Insurance Concepts and Principles (BCP) and Commercial General Insurance (ComGI). It is the personal-lines module and tests applied knowledge of the main general insurance products sold to individuals in Singapore: private motor car and motorcycle insurance, household and contents (home) insurance, personal accident, travel, personal liability, personal health products such as critical illness and hospital cash, and foreign domestic worker and golfer's insurance. Candidates must understand policy coverage, exclusions, claims handling and the Singapore regulatory framework set by the Monetary Authority of Singapore. The exam consists of 50 multiple-choice questions to be completed in 75 minutes with a minimum passing grade of 70%.

Assessment

50 multiple-choice questions covering seven personal-lines chapters: private motor car insurance, personal property insurance, personal accident insurance, travel insurance, personal liability insurance, health insurance (critical illness and hospital cash) and foreign domestic worker and golfer's insurance.

Time Limit

1 hour 15 minutes (75 minutes), about 1.5 minutes per question.

Passing Score

70% (at least 35 of 50 questions correct). One mark per correct answer; no marks deducted for wrong or blank answers. Only a Result Slip is issued.

Exam Fee

Approximately S$75-S$85 inclusive of prevailing GST; refer to the SCI Exam Fees page for the current first-attempt and retaker fees. (Singapore College of Insurance (SCI))

SCI PGI Exam Content Outline

22%

Private Motor Car Insurance (incl. Motorcycle)

Compulsory third-party motor cover under the Motor Vehicles (Third-Party Risks and Compensation) Act, comprehensive versus third-party fire and theft, no-claim discount, excess and voluntary excess, named and authorised drivers, certificate of insurance, total loss and motor claims handling.

16%

Personal Property Insurance (Household/Home)

Householder's building and contents (home) insurance: perils such as fire, lightning, explosion, burst pipes and burglary, all-risks personal effects extensions, sum insured, the condition of average and underinsurance, alternative accommodation and property claim settlement.

15%

Personal Accident Insurance

Accidental death and permanent disablement scale of benefits, temporary total and partial disablement weekly benefits, medical expense reimbursement, occupational risk classifications and common exclusions such as suicide, war and pre-existing conditions.

15%

Travel Insurance

Single-trip and annual multi-trip cover: overseas medical and emergency evacuation, repatriation, trip cancellation and curtailment, baggage and personal effects, travel and baggage delay, personal liability while travelling, and pre-existing condition exclusions.

12%

Personal Liability Insurance

Legal liability to third parties for accidental bodily injury and property damage, scope of indemnity and limits, occupier's liability for the home, and exclusions such as contractual liability, business activities and motor and watercraft risks.

12%

Health Insurance: Critical Illness & Hospital Cash

Personal health protection products: critical illness (dread disease) cover with defined conditions and survival periods, hospital cash / hospital income plans paying a fixed daily benefit, waiting periods, free-look provisions and exclusions.

8%

Foreign Domestic Worker & Golfer's Insurance

Foreign domestic worker (FDW) insurance and the Ministry of Manpower mandatory requirements (security bond and medical insurance), plus golfer's insurance covering golf equipment, third-party liability on the course and hole-in-one benefits.

How to Pass the SCI PGI Exam

What You Need to Know

  • Passing score: 70% (at least 35 of 50 questions correct). One mark per correct answer; no marks deducted for wrong or blank answers. Only a Result Slip is issued.
  • Assessment: 50 multiple-choice questions covering seven personal-lines chapters: private motor car insurance, personal property insurance, personal accident insurance, travel insurance, personal liability insurance, health insurance (critical illness and hospital cash) and foreign domestic worker and golfer's insurance.
  • Time limit: 1 hour 15 minutes (75 minutes), about 1.5 minutes per question.
  • Exam fee: Approximately S$75-S$85 inclusive of prevailing GST; refer to the SCI Exam Fees page for the current first-attempt and retaker fees.

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 PGI Study Tips from Top Performers

1Master Chapter 1 (private motor insurance) first; it carries the most weight and tests the compulsory third-party requirement under the Motor Vehicles (Third-Party Risks and Compensation) Act, no-claim discount and excess.
2Build a comparison table of each product's standard exclusions; PGI questions often hinge on whether a specific loss is covered, excluded or needs an extension.
3Learn how the condition of average works for household and property insurance, and practise simple underinsurance claim calculations since calculators are allowed.
4Know the foreign domestic worker insurance MOM requirements (security bond and medical insurance) precisely, as these are factual, high-value questions.
5For personal accident and health, memorise the difference between accidental death, permanent disablement scales, weekly benefits, critical illness survival periods and hospital cash daily benefits.
6Use the official SCI PGI Study Text (current edition) as your primary source and reinforce each chapter with timed practice questions to build to the 1.5-minute-per-question pace.

Frequently Asked Questions

How many questions are on the SCI PGI exam and how long is it?

The PGI exam has 50 multiple-choice questions and you have 1 hour 15 minutes (75 minutes) to complete them, which is about 1.5 minutes per question.

What is the passing mark for the PGI exam?

The minimum passing grade is 70%, meaning you must answer at least 35 of the 50 questions correctly. One mark is awarded per correct answer and no marks are deducted for wrong or blank answers.

What does the PGI exam cover?

PGI covers seven personal-lines chapters: private motor car (and motorcycle) insurance, personal property/home insurance, personal accident, travel, personal liability, health (critical illness and hospital cash), and foreign domestic worker plus golfer's insurance, within the Singapore regulatory framework.

How is PGI different from ComGI?

PGI is the personal-lines module covering insurance for individuals, while ComGI (Commercial General Insurance) covers business and commercial risks. Both have 50 questions, 75 minutes and a 70% pass mark, but PGI has seven chapters and ComGI has nine.

Can I use a calculator in the PGI exam?

Yes, but only a non-programmable calculator from the SCI approved calculator list is permitted. Check the SCI calculator policy before the exam.

Are these official SCI practice questions?

No. These are original OpenExamPrep questions modelled on the PGI syllabus. The official PGI Study Text and examination questions are provided separately by the Singapore College of Insurance.