Free Practice Questions for OIC Non-Life Insurance Broker

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Sample OIC Non-Life Insurance Broker Practice Questions

Try these sample questions to review concepts for the OIC Non-Life Insurance Broker exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 24+ question experience with AI tutoring.

1Two property quotations have equal premiums. One has a much lower flood sublimit and higher deductible. How should the broker present them?

A.Explain the limits, deductibles and remaining exposure as well as price

B.Describe them as equivalent because premiums match

C.Compare sums insured alone because sublimits are secondary

D.Defer discussion of deductibles until a claim occurs

Explanation: Equal premiums do not establish equal protection. A useful comparison explains how sublimits and deductibles affect the client's retained loss, allowing a decision based on coverage as well as price.

2A signed fire proposal ambiguously describes a warehouse as both timber and reinforced concrete. What should the broker do before submitting it?

A.Use concrete because it is likely to obtain a lower rate

B.Leave both descriptions and let the claim survey resolve them

C.Clarify the construction with the client and arrange an accurately confirmed description

D.Use the description from a neighboring warehouse

Explanation: Construction is material to assessing fire risk. Clarifying the facts before placement supports accurate underwriting and avoids an unsupported assumption being presented as the client's confirmed answer.

3A fire policy expressly applies full proportional average: covered partial loss × sum insured / full value at risk. Value is 10,000,000 THB, sum insured 6,000,000 THB and covered loss 2,000,000 THB. With no deductible, what is payable?

A.2,000,000 THB

B.1,200,000 THB

C.800,000 THB

D.6,000,000 THB

Explanation: The insured fraction is 6,000,000 / 10,000,000 = 60%. Applying the stated average condition gives 2,000,000 × 60% = 1,200,000 THB, leaving 800,000 THB of the loss with the insured.

4Two policies dated the same day cover the same property and fire loss without deductibles or other adjustments. Sums insured are 4,000,000 THB and 6,000,000 THB. A covered loss is 1,000,000 THB. Applying simultaneous contribution under Civil Code Section 870, what are their respective shares?

A.500,000 THB and 500,000 THB

B.1,000,000 THB and zero

C.400,000 THB and 1,000,000 THB

D.400,000 THB and 600,000 THB

Explanation: The policies are treated as simultaneous and contribute in proportion to their sums insured. Their 40% and 60% shares of the 1,000,000 THB loss are 400,000 THB and 600,000 THB, without double recovery.

5A client compares depreciated-value property cover with a reinstatement-value quotation. Which explanation best identifies the distinction?

A.Depreciated value always equals the original purchase invoice

B.Both bases necessarily pay the same amount after a loss

C.Depreciated value allows for wear and age; reinstatement terms may fund new replacement subject to their conditions

D.Reinstatement cover removes every limit and deductible

Explanation: Actual cash value commonly measures replacement cost less appropriate depreciation. Reinstatement terms can remove that depreciation deduction, but actual rebuilding, sum-insured and other policy conditions still need review.

6For a basic Thai general-property fire policy without additional-peril endorsements, which listed peril is among the basic insured perils?

A.Direct lightning damage

B.River flood

C.Earthquake shaking

D.Windstorm damage without fire

Explanation: Direct lightning is a basic fire-policy peril alongside fire and the specified domestic-gas explosion peril. Flood, earthquake and windstorm coverage require examination of extensions or a different form; residential products can have broader basic terms.

7A hotel buys building fire cover but also wants protection for lost operating profit and insured continuing expenses during recovery from covered fire damage. Which additional cover should be considered?

A.Public liability

B.Business interruption

C.Fidelity guarantee

D.Money in transit

Explanation: Material damage insurance principally addresses the damaged property. Business interruption insurance addresses specified financial consequences of an insured interruption, subject to its trigger, financial definitions and indemnity period.

8Why is preliminary compensation (ค่าเสียหายเบื้องต้น) under compulsory motor insurance useful while an accident's fault remains disputed?

A.It settles all property damage claims regardless of policy limits

B.It replaces the need to establish liability for every further benefit

C.It reimburses only victims already awarded damages by a court

D.It provides the prescribed initial bodily-injury or death benefits without awaiting proof of fault

Explanation: Preliminary compensation provides specified initial relief without waiting for fault to be established. RVP's published terms state payment within seven days of receiving the request; entitlement to further compensation is assessed separately under the applicable rules.

9A motorist wants own-vehicle accident cover including a collision with a wall where no other vehicle is involved. Which ordinary voluntary motor category is the appropriate starting point, subject to its actual terms?

A.Compulsory motor insurance alone

B.Basic Type 3

C.Type 1

D.Basic Type 2 without collision extensions

Explanation: Type 1 includes own-vehicle accident damage within its coverage structure. Compulsory cover and basic Type 3 do not provide this own-damage protection, while basic Type 2 adds fire and theft rather than general collision damage.

10An exporter sees 'all risks' in Institute Cargo Clauses (A). Which interpretation should the broker explain?

A.Physical cargo loss or damage is covered subject to the clauses' exclusions and conditions

B.Every commercial loss, including delay alone, is insured

C.All packing defects are covered because exclusions are removed

D.Only the listed vessel casualties in ICC (C) are insured

Explanation: ICC (A) uses broad all-risks cover for loss of or damage to the insured cargo. It still contains exclusions, including delay and qualified inadequate-packing provisions, so the label cannot replace reading the clauses.

About the OIC Non-Life Insurance Broker Exam

Independent OpenExamPrep practice for the direct non-life broker knowledge examination (นายหน้าประกันวินาศภัย). Questions cover ethics, insurance principles and lines, the Civil and Commercial Code and the Non-Life Insurance Act. This is an English-language MCQ study adaptation of topics in Thai official materials, not an official translation, a simulation of the assessment's language environment or a substitute for required training. A permitted-assessment-language list was not established in the reviewed public sources; confirm your sitting with the organizer.

Exam sponsor: Office of Insurance Commission and approved organizers, including Thailand Insurance Institute (TII). The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

120 objective/MCQ items in 3 hours: 10 ethics, 70 general non-life knowledge, 20 Civil Code and 20 Non-Life Insurance Act. General knowledge includes principles, fire, motor and compulsory motor, marine/transport and miscellaneous lines. Reinsurance is a separate additional route. No oral, practical, assignment or case-study submission is specified for the direct-insurance knowledge paper; licensing training and qualification checks are separate.

Time Limit

3 hours

Passing Score

At least 70% in ethics (7/10 items) and 60% across combined academics (66/110 items), in the same sitting

Exam / Certification Fees

TII advertises 535 THB including VAT for examination with online preparation; confirm the booking total. Separate license training costs are additional.

Exam sponsor website

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

Official sources

OIC non-life examination notice B.E. 2563, hosted by TGIA · Source checked 2026-10-19Pages 3-5 visually checked: direct-broker item distribution, 3-hour duration, objective method, passing hurdles and result validity.
TII broker examination and online preparation · Source checked 2026-10-19Current life and non-life broker offering; advertised 535 THB package includes VAT. Its unclear itemized explanation is not treated as a universal exam-only price.
Non-Life Insurance Act, consolidated through B.E. 2558 · Source checked 2026-10-19Broker definition and Section 70 records; read together with the 2019 amendment.
Non-Life Insurance Act No. 4, B.E. 2562 · Source checked 2026-10-19Amended qualifications and corrective-order/suspension mechanism.
Council of State Civil and Commercial Code, hosted by Bangkok · Source checked 2026-10-19Sections 865, 866, 870 and 882 checked for disclosure, contribution and prescription.
OIC non-life sales-practice guidance · Source checked 2026-10-19Complete, clear and accurate coverage and exclusion disclosure for customer decisions.
TGIA Thai General Insurance Handbook · Source checked 2026-10-19Stable concepts: indemnity, average, property and liability lines, broking responsibilities and marine losses. Historical logistics and tariff figures are not used.
TGIA Institute Cargo Clauses collection · Source checked 2026-10-19ICC (A) and ICC (C) risks and exclusions.
TGIA standard fidelity guarantee wording · Source checked 2026-10-19Employee dishonesty and direct financial loss.
Road Accident Victims Protection Company: published compulsory benefits · Source checked 2026-10-19Preliminary compensation without awaiting proof of fault and the published seven-day payment rule.

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.

8.3% of official items

Broker ethics and morality

Accurate risk descriptions, fair comparisons and suitable client advice.

58.3% of official items

General non-life insurance knowledge

Principles, property/fire, motor and compulsory motor, marine, liability and miscellaneous cover.

16.7% of official items

Civil and Commercial Code

Knowing material nondisclosure, insurer knowledge, avoidance limits and indemnity prescription.

16.7% of official items

Non-Life Insurance Act, as amended

Licensing qualifications, role restrictions, broker records and regulatory corrective action.

Preparing for the OIC Non-Life Insurance Broker Exam

What You Need to Know

Passing score: At least 70% in ethics (7/10 items) and 60% across combined academics (66/110 items), in the same sitting
Assessment: 120 objective/MCQ items in 3 hours: 10 ethics, 70 general non-life knowledge, 20 Civil Code and 20 Non-Life Insurance Act. General knowledge includes principles, fire, motor and compulsory motor, marine/transport and miscellaneous lines. Reinsurance is a separate additional route. No oral, practical, assignment or case-study submission is specified for the direct-insurance knowledge paper; licensing training and qualification checks are separate.
Time limit: 3 hours
Exam / certification fees: TII advertises 535 THB including VAT for examination with online preparation; confirm the booking total. Separate license training costs are additional. Official sources

Using Our Practice Resources

Work through all 24 available questions
Review every answer and explanation
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OIC Non-Life Insurance Broker: Suggested Study Strategy

1Prepare for the separate ethics and combined-academic passing hurdles.

2Study all five general-knowledge groups rather than only motor cover.

3Use the policy's stated average, deductible and valuation clauses in calculations.

4Read statutory rules and their conditions rather than relying on a section number without its text.

Frequently Asked Questions

Is this the same paper as the non-life agent examination?

No. The full direct-non-life broker paper has 120 items in 3 hours, with 10 ethics, 70 general knowledge, 20 Civil Code and 20 Non-Life Act items. It is a separate assessment.

Is 535 THB a universal OIC examination-only fee?

No. It is TII's advertised examination and online preparation package including VAT. Confirm the selected booking total and separate licensing-training costs; other organizer routes can differ.

Is this an official English sitting or translation?

No. These are independent English-language MCQ study questions. The reviewed sources did not explicitly establish the permitted official assessment languages.