ICSE Class 10 Insurance — Mock Test (2027)
Free online mock test for Insurance (ICSE Class 10 Commercial Applications) — 10 competency-based questions based on the latest CISCE 2027 syllabus, with instant marking. Try the samples below, then take the full test free.
What to expect: This mock test covers key concepts from the Insurance chapter — including application-based and competency-focused questions aligned with how ICSE actually sets the paper.
Tip: Attempt without notes first to identify gaps, then review explanations for any wrong answers. Retake after a few days for best retention.
Sample questions
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1.Identify the principle of insurance based on the given information: After an accident, the insurer pays for total damage to the insured's vehicle. The vehicle's salvage rights then transfer to the insurer, who may sell or dispose of it.
- A.Contribution
- B.Subrogation
- C.Causa Proxima
- D.Utmost Good Faith
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2.How does Life Insurance differ from General Insurance based on the nature of the contract?
- A.Life Insurance is a contract of indemnity, while General Insurance is a contingent contract.
- B.Life Insurance is a contingent contract, while General Insurance is a contract of indemnity.
- C.Both Life and General Insurance are contracts of indemnity.
- D.Both Life and General Insurance are contingent contracts.
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3.Which of the following defines fire insurance?
- A.An agreement where the insurer compensates for loss or damage to property caused by fire during a specific period.
- B.A policy that covers losses due to theft or burglary of property.
- C.A contract that provides financial support in case of accidental injury.
- D.An insurance plan that protects against losses from natural calamities like earthquakes.
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4.A farmer insured his crops against flood damage, but the insurer rejected his claim after discovering the damage was due to waterlogging from poor drainage. Which principle justifies the insurer's decision?
- A.Principle of Indemnity
- B.Principle of Causa Proxima (Proximate Cause)
- C.Principle of Utmost Good Faith
- D.Principle of Mitigation of Loss
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5.Mr. Ramesh insured his fleet of delivery trucks for ₹50 lakhs. One of his trucks was involved in an accident due to the driver's negligence, causing extensive damage to the vehicle. The insurer refused to pay the full claim amount, stating that the damages could have been minimized if the driver had followed safety regulations. Why did the insurer refuse to pay the full amount?
- A.The truck was not covered under the insurance policy.
- B.The driver’s negligence violated the principle of mitigation of loss.
- C.The accident was caused by a third party, not Mr. Ramesh.
- D.The insurer suspected fraud in the claim submission.
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