SIS Quiz
Answers

Here are the expanded answers to the quiz questions. Don’t forget to take a look at how you’re doing on the leaderboard at the bottom of the page.

QUESTION 1 ANSWER

Under SIS’s personal policy, who is not automatically insured unless named in the schedule?

• A tenant living in your home ✅
• Your spouse
• Your children living with you
• Your full-time domestic staff

Tenants are not automatically included. Even if they live in your home, SIS only covers them if explicitly named in your policy schedule.

QUESTION 2 ANSWER

If you leave your home unoccupied for over 60 days without notifying SIS, what might happen?

• You won’t be compensated for any loss or damage during that period ✅
• Your premiums will automatically double
• You will be fined a fixed penalty
• Your policy becomes void retroactively

SIS requires notification if your home is empty for more than 60 days, as the risk of loss increases. Failure to notify can void coverage during that time.

QUESTION 3 ANSWER

Which of the following would SIS not cover under the identity theft section of their personal policy?

• Emotional trauma and mental anguish ✅
• Legal costs due to fraudulent charges
• Credit monitoring costs
• Lost income with valid proof

SIS’s identity theft coverage excludes emotional or mental effects. The policy is designed to compensate for direct financial loss and costs related to restoring your identity.

QUESTION 4 ANSWER

If a wrongful arrest occurs, under what condition will SIS not provide compensation?

• If the person suing you is your employee or family member ✅
• If you had a witness present during the arrest
• If no bodily injury occurred
• If legal costs exceed your limit

SIS won’t cover claims of wrongful arrest if the claimant is your employee or a household/family member. The policy only applies to third parties.

QUESTION 5 ANSWER

Under the SIS commercial policy, what happens if the premium isn’t received by the due date?

• The policy is deemed cancelled at midnight on the last day of the previous period ✅
• The policy continues for 30 days without cover
• The claim payout is reduced by 50%
• You’re charged a late penalty but coverage continues

Failure to pay your premium on time means your coverage ends immediately at the end of the previous period unless the error was due to the bank.