{"id":50,"date":"2024-04-16T13:44:33","date_gmt":"2024-04-16T10:44:33","guid":{"rendered":"https:\/\/sisu.ut.ee\/finance\/15-kahjukindlustus-test\/"},"modified":"2024-04-16T13:44:33","modified_gmt":"2024-04-16T10:44:33","slug":"15-kahjukindlustus-test","status":"publish","type":"page","link":"https:\/\/sisu.ut.ee\/finance\/15-kahjukindlustus-test\/","title":{"rendered":"15. Kahjukindlustus test"},"content":{"rendered":"<div id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam14\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-14\"><p><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">Proovi lahendada eksamitestiga sarnast <b>enesekontrolli testi<\/b>. <\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">Testis on k\u00fcmme k\u00fcsimust kuni 5 valikvastusega.<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">Igale k\u00fcsimusele on ainult \u00fcks \u00f5ige vastus.<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">\u00d5igesti vastatud k\u00fcsimuse eest saad 1 punkti, valesti vastatud k\u00fcsimuse eest 0 punkti.<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\">Kui kogud v\u00e4hemalt 7 punkti, siis oled testi edukalt sooritanud. L\u00f5pueksami l\u00e4vend on samuti <b>70%<\/b>. <\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\"><b>Kui saavutad tulemuseks:<\/b><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\"><b>kaugelt \u00fcle 70%<\/b>, siis v\u00f5id selle programmi ka vahele j\u00e4tta. V\u00f5imalik, et see on liiga lihtne. <\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 14px;\"><span style=\"font-family: Arial,Helvetica,sans-serif;\"><span style=\"line-height: normal;\"><b>alla selle<\/b>, siis on, mida juurde \u00f5ppida<b>.<\/b><\/span><\/span><\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-14\" enctype=\"multipart\/form-data\">\n<div class=\"watu-question \" id=\"question-1\" style=\";\"><div id=\"questionWrap-1\" class=\"  watupro-required-140 watupro-question-id-140\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Milliste n\u00e4itajate j\u00e4rgi arvutate kahjukindlustuse netopreemia?<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_1\" value=\"140\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType140\" class=\"answerTypeCnt1\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-140\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices140\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-140[]\" id=\"answer-id-565\" class=\"answer   answerof-140 \" value=\"565\"><label for=\"answer-id-565\" id=\"answer-label-565\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. Kahjude esinemise t\u00f5en\u00e4osuse ja kahju suuruse j\u00e4rgi<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-140[]\" id=\"answer-id-566\" class=\"answer   answerof-140 \" value=\"566\"><label for=\"answer-id-566\" id=\"answer-label-566\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. Kahjude sageduse ja kindlustusv\u00f5tjate arvu j\u00e4rgi<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-140[]\" id=\"answer-id-567\" class=\"answer   answerof-140 \" value=\"567\"><label for=\"answer-id-567\" id=\"answer-label-567\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. Kindlustuspreemiate suuruse ja kindlustusseltsi bilansimahu j\u00e4rgi<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-140[]\" id=\"answer-id-568\" class=\"answer   answerof-140 \" value=\"568\"><label for=\"answer-id-568\" id=\"answer-label-568\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Kahjude sageduse, kindlustusv\u00f5tjate arvu, kindlustusseltsi kulude ja muude lisatavate marginaalide j\u00e4rgi<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-2\" style=\";\"><div id=\"questionWrap-2\" class=\"  watupro-required-136 watupro-question-id-136\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Millised isikud m\u00e4\u00e4ratletakse vastutuskindlustulepingus nimeliselt?<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_2\" value=\"136\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType136\" class=\"answerTypeCnt2\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-136\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices136\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-136[]\" id=\"answer-id-547\" class=\"answer   answerof-136 \" value=\"547\"><label for=\"answer-id-547\" id=\"answer-label-547\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. Kindlustusv\u00f5tja<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-136[]\" id=\"answer-id-548\" class=\"answer   answerof-136 \" value=\"548\"><label for=\"answer-id-548\" id=\"answer-label-548\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. Kindlustusv\u00f5tja ja kindlustusselts<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-136[]\" id=\"answer-id-549\" class=\"answer   answerof-136 \" value=\"549\"><label for=\"answer-id-549\" id=\"answer-label-549\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. Kindlustusv\u00f5tja, kindlustusselts ja kannatanu<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-136[]\" id=\"answer-id-550\" class=\"answer   answerof-136 \" value=\"550\"><label for=\"answer-id-550\" id=\"answer-label-550\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Kindlustusv\u00f5tja, vara omanik ja h\u00fcvitisesaaja<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-3\" style=\";\"><div id=\"questionWrap-3\" class=\"  watupro-required-133 watupro-question-id-133\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Millises suunas v\u00f5ib kindlustusandjate vaheline tihe konkurents muuta\u00a0kindlustuspreemiat?<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_3\" value=\"133\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType133\" class=\"answerTypeCnt3\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-133\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices133\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-133[]\" id=\"answer-id-536\" class=\"answer   answerof-133 \" value=\"536\"><label for=\"answer-id-536\" id=\"answer-label-536\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. Kindlustuspreemia t\u00f5useb, sest k\u00f5ik kindlustusseltsid tahavad tulusid\u00a0t\u00f5sta<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-133[]\" id=\"answer-id-537\" class=\"answer   answerof-133 \" value=\"537\"><label for=\"answer-id-537\" id=\"answer-label-537\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. Kindlustuspreemia alaneb, sest k\u00f5ik seltsid tahavad kliente v\u00f5ita<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-133[]\" id=\"answer-id-538\" class=\"answer   answerof-133 \" value=\"538\"><label for=\"answer-id-538\" id=\"answer-label-538\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. Need n\u00e4itajad ei ole seoses\u00a0<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-4\" style=\";\"><div id=\"questionWrap-4\" class=\"  watupro-required-131 watupro-question-id-131\">\n\t\t\t<div class=\"question-content\"><div><span style=\"color: #000080;\"><strong>Mis liiki kahjusid h\u00fcvitatakse vastutuskindlustuse lepingu abil?<\/strong><\/span><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_4\" value=\"131\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType131\" class=\"answerTypeCnt4\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-131\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices131\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-131[]\" id=\"answer-id-528\" class=\"answer   answerof-131 \" value=\"528\"><label for=\"answer-id-528\" id=\"answer-label-528\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. Varakahjud<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-131[]\" id=\"answer-id-529\" class=\"answer   answerof-131 \" value=\"529\"><label for=\"answer-id-529\" id=\"answer-label-529\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. Varakahjud ja isikukahjud<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-131[]\" id=\"answer-id-530\" class=\"answer   answerof-131 \" value=\"530\"><label for=\"answer-id-530\" id=\"answer-label-530\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. Varakahjud, isikukahjud ja\u00a0 trahvid<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-131[]\" id=\"answer-id-531\" class=\"answer   answerof-131 \" value=\"531\"><label for=\"answer-id-531\" id=\"answer-label-531\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Varakahjud, isikukahjud, trahvid ja viivised<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-5\" style=\";\"><div id=\"questionWrap-5\" class=\"  watupro-required-132 watupro-question-id-132\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Millal peaks ettev\u00f5te s\u00f5lmima kindlustuslepingu, et v\u00e4hendada enda kanda j\u00e4\u00e4vaid kahjusid (riske)? E<strong>eldame, et omavastutus on 30%.<\/strong><\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_5\" value=\"132\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType132\" class=\"answerTypeCnt5\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-132\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices132\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-132[]\" id=\"answer-id-532\" class=\"answer   answerof-132 \" value=\"532\"><label for=\"answer-id-532\" id=\"answer-label-532\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. Juhul kui suhe: \u00a0 \u00a0omakapital \/ kohustused &gt; 1<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-132[]\" id=\"answer-id-533\" class=\"answer   answerof-132 \" value=\"533\"><label for=\"answer-id-533\" id=\"answer-label-533\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. Juhul kui suhe: \u00a0 \u00a0omakapital \/ kohustused &lt; 1<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-132[]\" id=\"answer-id-534\" class=\"answer   answerof-132 \" value=\"534\"><label for=\"answer-id-534\" id=\"answer-label-534\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. Juhul kui suhe: \u00a0 \u00a0omakapital \/ kohustused = 1<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-132[]\" id=\"answer-id-535\" class=\"answer   answerof-132 \" value=\"535\"><label for=\"answer-id-535\" id=\"answer-label-535\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Juhul kui omakapitali ja kohustusi on v\u00f5rdselt ja\u00a0majaostuks v\u00f5etud laenu\u00a0omavastutus on 30%<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-6\" style=\";\"><div id=\"questionWrap-6\" class=\"  watupro-required-137 watupro-question-id-137\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Millist riski iseloomustavad m\u00e4rks\u00f5nad: \u201erahas m\u00f5\u00f5detav\u201c, \u201ejuhuslik\u201c ja \u201e\u00fcheselt m\u00e4\u00e4ratletav\u201c ?<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_6\" value=\"137\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType137\" class=\"answerTypeCnt6\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-137\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices137\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-137[]\" id=\"answer-id-551\" class=\"answer   answerof-137 \" value=\"551\"><label for=\"answer-id-551\" id=\"answer-label-551\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. \u00dcksikisiku riske<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-137[]\" id=\"answer-id-552\" class=\"answer   answerof-137 \" value=\"552\"><label for=\"answer-id-552\" id=\"answer-label-552\" class=\" answer\"><span><p><span style=\"color: #000080;\">B.\u00a0Ettev\u00f5tlusega seotud riske<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-137[]\" id=\"answer-id-553\" class=\"answer   answerof-137 \" value=\"553\"><label for=\"answer-id-553\" id=\"answer-label-553\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. Kindlustatavaid riske<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-137[]\" id=\"answer-id-554\" class=\"answer   answerof-137 \" value=\"554\"><label for=\"answer-id-554\" id=\"answer-label-554\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Variandid A ja B<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-137[]\" id=\"answer-id-555\" class=\"answer   answerof-137 \" value=\"555\"><label for=\"answer-id-555\" id=\"answer-label-555\" class=\" answer\"><span><p><span style=\"color: #000080;\">E. K\u00f5iki riske<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-7\" style=\";\"><div id=\"questionWrap-7\" class=\"  watupro-required-139 watupro-question-id-139\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Kuidas hinnatakse kindlustatavate riskide suurust?<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_7\" value=\"139\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType139\" class=\"answerTypeCnt7\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-139\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices139\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-139[]\" id=\"answer-id-560\" class=\"answer   answerof-139 \" value=\"560\"><label for=\"answer-id-560\" id=\"answer-label-560\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. Objekti bilansilise v\u00e4\u00e4rtuse j\u00e4rgi<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-139[]\" id=\"answer-id-561\" class=\"answer   answerof-139 \" value=\"561\"><label for=\"answer-id-561\" id=\"answer-label-561\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. Objekti taastamisv\u00e4\u00e4rtuse j\u00e4rgi<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-139[]\" id=\"answer-id-562\" class=\"answer   answerof-139 \" value=\"562\"><label for=\"answer-id-562\" id=\"answer-label-562\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. Maksimaalse v\u00f5imaliku kahju j\u00e4rgi<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-139[]\" id=\"answer-id-563\" class=\"answer   answerof-139 \" value=\"563\"><label for=\"answer-id-563\" id=\"answer-label-563\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Kolme viimase tegevusaasta keskmise kahjusumma j\u00e4rgi<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-139[]\" id=\"answer-id-564\" class=\"answer   answerof-139 \" value=\"564\"><label for=\"answer-id-564\" id=\"answer-label-564\" class=\" answer\"><span><p><span style=\"color: #000080;\">E. Variandid B ja C<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-8\" style=\";\"><div id=\"questionWrap-8\" class=\"  watupro-required-138 watupro-question-id-138\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Mida kirjeldab ettev\u00f5tte riskijuhtimispoliitika dokument?<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_8\" value=\"138\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType138\" class=\"answerTypeCnt8\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-138\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices138\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-138[]\" id=\"answer-id-556\" class=\"answer   answerof-138 \" value=\"556\"><label for=\"answer-id-556\" id=\"answer-label-556\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. Kaardistatud riske ja nende kindlustusv\u00f5imalusi<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-138[]\" id=\"answer-id-557\" class=\"answer   answerof-138 \" value=\"557\"><label for=\"answer-id-557\" id=\"answer-label-557\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. K\u00f5ige sagedamini esinevaid riske ja nende m\u00f5ju ettev\u00f5tte\u00a0finantsseisundile<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-138[]\" id=\"answer-id-558\" class=\"answer   answerof-138 \" value=\"558\"><label for=\"answer-id-558\" id=\"answer-label-558\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. Ettev\u00f5tte riske, s\u00f5lmitud kindlustuslepinguid ja kindlustusmaksete\u00a0finantseerimise meetodeid<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-138[]\" id=\"answer-id-559\" class=\"answer   answerof-138 \" value=\"559\"><label for=\"answer-id-559\" id=\"answer-label-559\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Ettev\u00f5tte riske ning nende kindlustamise ja m\u00f5ju v\u00e4hendamise majanduslikult efektiivseid meetodeid<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-9\" style=\";\"><div id=\"questionWrap-9\" class=\"  watupro-required-134 watupro-question-id-134\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Miks EI PEAKS s\u00f5lmima kindlustuslepingut sageli esinevate ja v\u00e4hest\u00a0kahju tekitavaid riskide kindlustamiseks?<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_9\" value=\"134\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType134\" class=\"answerTypeCnt9\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-134\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices134\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-134[]\" id=\"answer-id-539\" class=\"answer   answerof-134 \" value=\"539\"><label for=\"answer-id-539\" id=\"answer-label-539\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. See ei ole kindlustusv\u00f5tjale majanduslikult kasulik k\u00f5rgete\u00a0kindlustuspreemiate t\u00f5ttu<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-134[]\" id=\"answer-id-540\" class=\"answer   answerof-134 \" value=\"540\"><label for=\"answer-id-540\" id=\"answer-label-540\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. See ei ole kindlustusandjale majanduslikult kasulik suurte kaasnevate\u00a0kulude t\u00f5ttu<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-134[]\" id=\"answer-id-541\" class=\"answer   answerof-134 \" value=\"541\"><label for=\"answer-id-541\" id=\"answer-label-541\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. Variandid A ja B<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-134[]\" id=\"answer-id-542\" class=\"answer   answerof-134 \" value=\"542\"><label for=\"answer-id-542\" id=\"answer-label-542\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Mitte \u00fckski eeltoodud vastustest\u00a0<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-10\" style=\";\"><div id=\"questionWrap-10\" class=\"  watupro-required-135 watupro-question-id-135\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Mida katab koguriski kindlustus?<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_10\" value=\"135\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType135\" class=\"answerTypeCnt10\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-135\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices135\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-135[]\" id=\"answer-id-543\" class=\"answer   answerof-135 \" value=\"543\"><label for=\"answer-id-543\" id=\"answer-label-543\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. Sagedamini esinevad riskid: tuli, vesi, murdvargus<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-135[]\" id=\"answer-id-544\" class=\"answer   answerof-135 \" value=\"544\"><label for=\"answer-id-544\" id=\"answer-label-544\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. Tule, vee, loodus\u00f5nnetuse, veeavarii, vandalismi, murdvarguse ja\u00a0muude juhtumite kahjud<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-135[]\" id=\"answer-id-545\" class=\"answer   answerof-135 \" value=\"545\"><label for=\"answer-id-545\" id=\"answer-label-545\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. K\u00f5ik konkreetsed riskid, mida lepingus ette n\u00e4hakse<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-135[]\" id=\"answer-id-546\" class=\"answer   answerof-135 \" value=\"546\"><label for=\"answer-id-546\" id=\"answer-label-546\" class=\" answer\"><span><p><span style=\"color: #000080;\">D.\u00a0K\u00f5ik riskid, mis lepingus ei ole v\u00e4listatud<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style=\"display:none\" id=\"question-11\">\n\t<div class=\"question-content\">\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\" alt=\"Loading...\" title=\"Loading...\">\u00a0Loading...\t<\/div>\n<\/div>\n\n<br>\n\t\n\t\t\t<div class=\"watupro_buttons flex \" id=\"watuPROButtons14\">\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input type=\"button\" value=\"&lt; Previous\" onclick=\"WatuPRO.nextQuestion(event, 'previous');\"><\/div>\t\t  \t\t  \t\t   \n\t\t   \t  \t\t<div><input type=\"button\" name=\"action\" class=\"watupro-submit-button\" onclick=\"WatuPRO.submitResult(event)\" id=\"action-button\" value=\"Vaata tulemust\">\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t<input type=\"hidden\" name=\"quiz_id\" value=\"14\" id=\"watuPROExamID\">\n\t<input type=\"hidden\" name=\"start_time\" id=\"startTime\" value=\"2026-04-16 20:45:15\">\n\t<input type=\"hidden\" name=\"start_timestamp\" id=\"startTimeStamp\" value=\"1776372315\">\n\t<input type=\"hidden\" name=\"question_ids\" value=\"\">\n\t<input type=\"hidden\" name=\"watupro_questions\" value=\"140:565,566,567,568 | 136:547,548,549,550 | 133:536,537,538 | 131:528,529,530,531 | 132:532,533,534,535 | 137:551,552,553,554,555 | 139:560,561,562,563,564 | 138:556,557,558,559 | 134:539,540,541,542 | 135:543,544,545,546\">\n\t<input type=\"hidden\" name=\"no_ajax\" value=\"0\">\t\t\t<\/form>\n\t<p>\u00a0<\/p>\n<\/div>\n\n<script type=\"text\/javascript\">\n\/\/jQuery(document).ready(function(){\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \t\nvar question_ids = \"140,136,133,131,132,137,139,138,134,135\";\nWatuPROSettings[14] = {};\nWatuPRO.qArr = question_ids.split(',');\nWatuPRO.exam_id = 14;\t    \nWatuPRO.post_id = 50;\nWatuPRO.store_progress = 0;\nWatuPRO.curCatPage = 1;\nWatuPRO.requiredIDs=\"0,140,136,133,131,132,137,139,138,134,135\".split(\",\");\nWatuPRO.hAppID = \"0.79833000 1776361515\";\nvar url = \"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/show_exam.php\";\nWatuPRO.examMode = 1;\nWatuPRO.siteURL=\"https:\/\/sisu.ut.ee\/finance\/wp-admin\/admin-ajax.php\";\nWatuPRO.emailIsNotRequired = 0;\nWatuPRO.perDecade = 10;\nWatuPROIntel.init(14);\nWatuPRO.inCategoryPages=1;});    \t \n<\/script>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-50","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/pages\/50","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/comments?post=50"}],"version-history":[{"count":0,"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/pages\/50\/revisions"}],"wp:attachment":[{"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/media?parent=50"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}