NIACL AO — Descriptive Paper
General insurance is the subject matter here, and the paper rewards a candidate who can write about motor, health and property cover with the vocabulary of the industry rather than in generalities.
The test is typed on screen. Attempt both questions. Format carries marks on the letter question.
- Q1.Write a letter to a policyholder explaining why a motor own-damage claim has been partially settled, and how they may appeal.(15)150 words
- Q2.Write an essay on the role of general insurance in building household financial resilience.(15)250 words
One NIACL AO Descriptive answer, from question to marked report
A real question, an attempt with the weaknesses a real attempt has, and the report an AI examiner hands back — in the marking unit NIACL AO Descriptive genuinely uses. This is the whole product; there is nothing else to sign up for.
Scoped to the paper and topic you pick, at the marks it is genuinely set at.
Write a letter to a policyholder explaining why a motor own-damage claim has been partially settled, and how they may appeal.
Type it against the clock, the way the real paper is answered.
Marked in place, with every criterion scored.
Dear Sir, With reference to your claim number MC12345, we would like to inform you that your claim has been partially settled. The reason is that depreciation was applied on the replaced parts as per the policy terms. The approved amount has been transferred to your account. If you are not satisfied you may contact our grievance cell?. Thanking you. Our surveyor inspected the vehicle at the workshop on the date fixed with you, and his report along with the repair bill and the photographs has been examined by our claims department. The parts which were replaced are of plastic and rubber, and the policy provides that a share of the cost of such parts is to be borne by the insured because a new part gives longer life than the damaged one. The labour charges on these parts have been paid in full. The settlement has therefore been made in accordance with the terms and conditions supplied to you along with the policy schedule at the time of issue. A copy of the surveyor's assessment can be made available on request at the branch. We value your association with us and assure you of our best services at all times.
- A subject line naming the claim and the decision
- The specific deduction breakdown: depreciation, compulsory excess, salvage
- Escalation: grievance officer, then the Insurance Ombudsman, with timeframes
Model answer for this question
Reference and subject line first. Paragraph one: the decision and the settled amount. Paragraph two: the breakdown of the deduction — depreciation on plastic and metal parts at policy rates, compulsory excess, and salvage where applicable — with the policy clause referenced. Paragraph three: the appeal route with the grievance officer's designation, the response timeframe, and escalation to the Insurance Ombudsman. Close in the service register.
Fast enough to write, read the report and rewrite the same answer in one sitting — which is where the improvement actually comes from.
The scoring behind those pen marks: every criterion, what it was worth, what you earned, and a model answer.
Claim reference present, which is good; no subject line and no designation block.
Clear, correct and expressed without jargon the policyholder cannot follow.
Named vaguely. The grievance officer, the response timeframe and the ombudsman are the answer.
Well judged: factual, courteous, not apologetic.
NIACL AO Descriptive at a glance
| Conducting body | The New India Assurance Company Limited |
|---|---|
| Mode | Typed on screen |
| Papers | 2 |
| Marking | NIACL AO Descriptive — examiner criteria |
What NIACL AO Descriptive sets
The papers you sit, and what each is worth.
A formal letter on a general-insurance or service scenario.
A short essay, usually on insurance, the economy or society.
- Marked to the NIACL AO Descriptive scheme
- Model answer, every time
- Handwriting read from a photo
- AI viva on any topic
- Full timed papers
- Every attempt kept in your archive
- WriteA question, answered and marked.
- VivaQuestioned on General insurance products and more.
- Full paperA timed paper, one scorecard.