Registered Insurance Brokers of Ontario (RIBO) Practice Exam

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Who would not be covered under the Uninsured Automobile Coverage?

The Named Insured while driving the Described Automobile.

The Named Insured's Spouse while an occupant of an uninsured vehicle.

Any relative of either the Named Insured or his or her spouse while the occupant of an uninsured vehicle.

The correct answer is C. This is because uninsured automobile coverage typically only applies to the named insured and their immediate family members, such as a spouse or dependant. Option A is incorrect because the named insured is usually covered while driving the described automobile. Option B is incorrect because a named insured's spouse is typically covered while occupying an uninsured vehicle. Option D is incorrect because it only applies to a dependent relative of the named insured's spouse, not any other relative of the named insured or spouse.

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A dependant relative of the Named Insured's spouse when hit as a pedestrian by an uninsured and/or unidentified automobile.

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