Australian General Insurance, Claims and Ethics Practice Test

The High Court of Australia decision in CIC Insurance Ltd v Bankstown Football Club Ltd (1997) 187 CLR 384 is the leading authority on which section of the Insurance Contracts Act 1984?

A homeowner's policy includes "accidental damage" cover. The insured drops a heavy ceramic pot from a second-storey balcony, damaging tiles on the pool deck below. Which is the most likely policy response under typical Australian wording?

A general insurance broker collects a $2,400 retail client premium into its trust account on 14 March 2025. Under section 981B of the Corporations Act 2001 and the Corporations Regulations, by what time must the broker pay the premium to the insurer (assuming no contrary written agreement with the insured) before client money obligations are breached?

Section 65A of the Insurance Contracts Act 1984 limits insurer subrogation against employees of the insured. The principle in this section -- and the earlier UK case of Lister v Romford Ice [1957] AC 555 -- protects what category of insured-related person?

Aviation insurance in Australia is regulated under both the Civil Aviation Act 1988 and federal carrier-liability legislation. Which Commonwealth Act imposes a strict liability regime on Australian air carriers for passenger injury limited by specified maximums?