问题 单项选择题

下列关于机器损坏保险的特点说法正确的是()。

A.机器损坏保险要求所有投保机器(无论新旧程度如何)一律按照实际价值来确定保险金额

B.机器损坏保险主要承担由于人为原因或自然原因造成的机器损毁和灭失

C.在机器损坏保险中,锅炉、发电机等连续停工超过3个月的时间(包括修理,但不包括由于发生保险损失后的修理),保险人应退还一定比例的保险费

D.对于其他任何原因引起的火灾、爆炸等意外事故,以及暴风雨、洪水等自然灾害造成的损失保险人也负责

答案

参考答案:C

解析:

[考点] 机器损坏保险的特点。(一) 保险金额按照重置价值确定。机器损坏保险与企业财产保险不同,后者是以投保人根据投保财产的实际价值估定保险金额,机器损坏保险却要求所有投保机器(无论新旧程度如何)一律按照重置价值来确定保险金额。(二) 承保的损失以电气事故和人为事故为主。机器损坏保险主要承担由于人为原因或电气原因造成的机器损毁和灭失。对于其他任何原因引起的火灾、爆炸等意外事故,以及暴风雨、洪水等自然灾害造成的损失保险人均不负责。(三) 停机退费的规定。与其他保险不同的是,在机器损坏保险中,锅炉、发电机等连续停工超过3个月的时间(包括修理,但不包括由于发生保险损失后的修理),保险人应退还一定比例的保险费。

阅读理解
阅读下列材料, 从所给的六个选项(A、B、C、D、E 和 F)中, 选出符合各小题要求的最佳选项。选项中有一项是多余选项。
A. Prepare for Rainy Days
C. Get Aggressive
E. Set the Goal
B. Watch Your Spending
D. Start Saving
F. Save More
Steps to Retire a Millionaire
Having a million-dollar portfolio is a retirement dream for many people. Making that dream come true requires some serious effort. While success is never a sure thing, the steps outlined below will go a long way toward helping you achieve your objective.
61.       
Vacations, car, kids and all of life's other expenses take a big chunk out of your paycheck. To maximize your savings, you need to minimize your expenses. Buying a home you can afford and living a lifestyle that is below your means and not funded by credit cards are all necessities if you want to boost your savings.
62.       
If you don't save, you'll never reach your goal. As obvious as this might seems, far too many people never even start to save. If your employer offers a 401(k) plan, enrolling in the plan is a great way to put your savings on autopilot. Simply sign up for the plan and contributions will be automatically taken out of your paycheck, increasing your savings and decreasing your immediate tax liability.
If your employer offers to match your contributions up to a certain percentage, be sure to contribute enough to get the full match. It's like getting a guaranteed return on your investment. Finding the cash to stash may be a challenge, particularly when you're young, but don't let that stop you from pursuing future riches.
63.       
Studies have shown that the majority of the returns generated by an investment are dictated by the asset-allocation decision. If you are looking to grow your wealth over time, fixed-income investments aren't likely to get the job done, and inflation can take a big chunk out of your savings.
Investing in equities entails more risk, but is also statistically likely to lead to greater returns. For many of us, it's a risk we have to take if want to see our wealth grow. Asset-allocation strategies can help you learn how to make picking the right mix of securities the core of your investing strategy.
64.       
Part of long-term planning involves accepting the idea that setbacks will occur. If you are not prepared, these setbacks can put a stop to your savings efforts. While you can't avoid all of the bumps in the road, you can prepare in advance to mitigate the damage they can do.
65.       
Your income should rise as time passes. You'll get raises, you'll change jobs, and maybe you'll get married and become a two-income family. Every time more cash comes in to your pocket, you should increase the amount that you save. The key to reaching your goal as quickly as possible is to save as much as you can.
单项选择题