IRDAI Surveyor Marine Hull (S-04) study plan
IRDAI Surveyor Marine Hull (S-04) · Give each week a clear focus.
8 weeks · About 7 hours per week
Marine Loss Assessment, Damage Survey and Claims Handling & Marine Insurance Law, Principles and Regulatory Framework
Map the full marine hull claim lifecycle from intimation to settlement, listing at each stage the surveyor's duty and the document produced
Distinguish particular average, general average, constructive total loss and actual total loss using the policy definitions and apply each label to five short fact patterns
Identify the statutory and regulatory sources governing surveyor licensing and claim investigation in India, and state which body issues and renews surveyor licences
Build a personal glossary of 30 marine hull claim terms with a one-line definition and where each appears in the claim file
Your checkpoint
A one-page claim lifecycle flowchart with document checkpoints, plus a 30-term glossary scored against the policy wording
Marine Loss Assessment, Damage Survey and Claims Handling & Hull and Machinery Insurance: Policy Structure, Clauses and Warranties
Read the standard hull and machinery policy wording end to end and annotate every clause that limits or conditions recovery
Calculate a claim settlement under an average (pro-rata) condition of average clause for an under-insured hull, showing each step of the arithmetic
Differentiate deductible, franchise and excess clauses and compute the payable amount under each for the same loss figure
Draft a damage survey report skeleton covering factual findings, cause, extent, repair estimate and recommendation
Your checkpoint
Three worked settlement calculations (average clause, deductible, franchise) with a marked-up clause map of the H&M policy
Hull and Machinery Insurance: Policy Structure, Clauses and Warranties & Marine Insurance Law, Principles and Regulatory Framework
Explain the effect of each of the Institute Voyage and Time Clauses (Hulls) warranty and exclusion provisions on a claim decision
Apply the principles of utmost good faith, insurable interest, indemnity, subrogation and proximate cause to hull scenarios and justify the outcome
Analyse how breach of a navigation limit, towage warranty or classification warranty affects liability, and state what evidence proves compliance
Compare total loss provisions including constructive total loss notice requirements and the 75 percent rule context
Your checkpoint
A clause-by-clause warranty and exclusion table with a short worked scenario for each of at least eight clauses
General Average, Salvage, Collision Liability and Third-Party Claims & Marine Loss Assessment, Damage Survey and Claims Handling
Explain the York-Antwerp Rules general average acts and apportionment logic, and identify what the surveyor must document to support a general average adjustment
Describe salvage and salvage remuneration principles, including when a salvage service differs from towage, and outline the surveyor's evidence role
Analyse collision liability including the running down clause, cross liabilities and the 3/4 to 4/4 collision cover distinction
Prepare an evidence checklist for a collision or grounding casualty covering log books, VDR data, class records and repair yard estimates
Your checkpoint
A general average and collision evidence checklist plus one worked apportionment illustration showing contributory values and adjustment entries
Ship Construction, Naval Architecture and Seaworthiness & Risk Inspection, Underwriting Information and Loss Prevention
Identify principal hull structural members and describe how each contributes to longitudinal strength and watertight integrity
Explain the role of classification societies, statutory certificates and survey regimes in establishing seaworthiness at the time of risk inception
List the underwriting information a hull surveyor should collect during a pre-risk inspection and explain how each item affects rating or terms
Recognise common loss prevention recommendations for hull risks such as firefighting, mooring, stability documentation and crew competence
Your checkpoint
A pre-risk hull inspection template covering structure, machinery, certificates, manning and loss prevention, with a rating-relevance note for each item
Cargo Insurance and Marine Trade Practices & Marine Insurance Law, Principles and Regulatory Framework
Outline cargo insurance structure, including Institute Cargo Clauses A, B and C cover breadth and the transit attachment and termination provisions
Explain the documentary chain in marine trade - bill of lading, charter party, invoice, packing list and certificate of insurance - and the surveyor's use of each
Apply the carriage of goods liability framework and Incoterms risk transfer points to determine who bears loss at the time of damage
Describe how containerised, bulk and break-bulk cargoes differ in stowage, ventilation and damage survey method
Your checkpoint
A cargo document and cover comparison sheet mapping ICC A, B and C perils against a set of six damage scenarios
Surveyor Conduct, Ethics, Reporting Standards and Professional Practice
State the professional and ethical duties of a licensed surveyor, including independence, confidentiality, conflict of interest and prohibition on claim advocacy
Draft a compliant survey report structure meeting regulatory and insurer expectations, including cause, extent, liability comment and salvage recommendation
Identify common report deficiencies that invite rejection or disciplinary action and write a correction for each
Explain the surveyor's obligations when fraud, misrepresentation or unseaworthiness is suspected, including escalation and evidence preservation
Your checkpoint
A full mock survey report on a supplied casualty narrative, self-assessed against a 15-point quality checklist
Marine Loss Assessment, Damage Survey and Claims Handling & General Average, Salvage, Collision Liability and Third-Party Claims & Hull and Machinery Insurance: Policy Structure, Clauses and Warranties & Surveyor Conduct, Ethics, Reporting Standards and Professional Practice
Complete two timed mixed-domain mock papers and score each by domain to expose weak areas
Re-derive settlement arithmetic for average, deductible, franchise and general average without reference notes
Recite the key regulatory and licensing facts and the surveyor conduct rules from memory in a one-page summary
Review every previously wrong answer and write the corrected reasoning in a personal error log
Your checkpoint
Two scored mock papers with a domain-wise accuracy table and an error log of at least 40 corrected items
Milestones
Week 2: Can independently compute a hull claim settlement under an average clause, deductible and franchise without notes, with arithmetic shown
Week 4: Can explain general average apportionment and collision liability cover distinctions in writing and pass a 20-question self-test at 70 percent or above
Week 6: Can compare ICC A, B and C cover and identify the correct cargo document for a given loss scenario in under two minutes per item
Week 7: Mock survey report meets at least 12 of 15 checklist points, including cause, extent, liability comment and independence declaration
Week 8: Both mock papers scored at 75 percent or above overall with no domain below 60 percent