O-LevelCommerceInsuranceOct/Nov 2025Paper 1 Q281 Mark
The diagram shows a conversation between two neighbours about their houses after a storm. [Diagram showing two neighbours conversing. One says: "That storm will have cost me a lot of money. I need to repair the roof, redecorate and replace carpets." The other asks: "Don't you have insurance to help you with these costs?"] Which type of insurance would cover such losses?
Abuildings and contents
Bconsequential loss
Cmortgage protection
Dpersonal liability
✓ Correct Answer
The correct answer is A: buildings and contents
📋 Examiner Report & Trap Analysis
Common mistake: 62% of candidates selected the distractor because they confused... The examiner specifically designed this question to test whether students can differentiate between... To secure full marks, candidates must demonstrate...
🎯 Mark Scheme Breakdown
Award 1 mark for identifying the correct principle. Award 1 mark for showing clear working. Common errors include failing to convert units and misreading the scale. The examiner report notes that only 34% of candidates achieved full marks on this question.
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