RIBO Exam Practice 2026 – Complete Prep Resource

The statement that is NOT true is C, "The OAP 1 will pay for all damage caused to a Temporary Substitute Automobile by the insured".

Option A is incorrect because it is true that the Temporary Substitute Automobile provision applies when the insured's vehicle is out of service for specific reasons, such as being in for repairs.

Option B is incorrect because it is true that a Temporary Substitute Automobile cannot be registered in the insured's name or any other person in the same dwelling, as this would imply that the vehicle is a permanent substitute rather than temporary.

Option D is incorrect because it is true that all claims paid are subject to the deductible applicable to the equivalent claim for damage to the insured's own vehicle. This is a standard provision in insurance policies.

Explanation

The correct statement about the Temporary Substitute Automobile provision is that the OAP 1 will not pay for all damage caused to a Temporary Substitute