RIBO Practice Exam Questions | IBAO RIBO Exam Practice Questions Download PDF
- Course Tree
- Jun 25
- 3 min read
RIBO Practice Exam Questions
What is the RIBO Level 1 exam? It’s the official qualification for personal‑lines insurance brokers in Ontario. It comprises 100 scored multiple‑choice questions and 15 unscored pilot questions, all to be completed in three hours. You need a minimum of 75/100 to pass.
Exam format breakdown:
General insurance ~45 questions (around 47%)
Automobile insurance ~20‑25 questions
Habitational insurance ~18% (~25 questions)
Travel health insurance ~5 questions
Plus a case‑study component (~10%)
General insurance forms the backbone—nearly half the exam—so it demands the bulk of your focus. Auto and habitational sections each carry significant weight, while travel health is a small but important “gating” segment.
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Which parts of the exam trip people up? Many candidates flag the auto‑insurance endorsements and co‑insurance calculations as stress points. One Redditor emphasized that co‑insurance questions were easy to get but preparation is key—and auto endorsements appeared in about 4–5 questions.
Pilot questions—which don’t count toward your score—can waste time if not managed well. Ethics and scenario‑based judgment sections also challenge test‑takers due to their application focus.
RIBO Practice Exam Questions | IBAO RIBO Exam Practice Questions Download PDF
What feels easier or more engaging? Core general insurance theory—principles like indemnity and subrogation—often come naturally to learners. Travel health is compact and straightforward, offering quick confidence if studied well. Real-world case examples, including policy declaration pages, help cement understanding.
Smart study strategies that work
Start with learning objectives and notes. Rewrite them in your own words and teach the concepts—this reinforces memory.
Drill "hot" sections early. Use detailed flashcards for auto endorsements, co‑insurance, OAP‑1 endorsements, etc.
Practice banks with explanations. Tools like PrepNPass and Dino Mustafa’s YouTube question sets expose you to real exam styles.
Use flashcards continuously. Ideal for memorizing formulas, endorsement names, policy terms.
Simulate exam conditions. Do full 100‑question timed sessions, leaving buffer for pilot questions.
Managing stress and preparing mentally
Flag questions you’re unsure of and move on.
Rest well and fuel your body—sleep, hydration, nutrition matter.
Before starting, pause, breathe, and mentally reset between sections; each question is a fresh one.
Real‑world perspective A Reddit post praising Dino Mustafa’s materials captures the impact:
“He goes thru every question with such detail… I finally understood everything and passed.”
Another candidate who wrote the exam after six months of studying sums it up:
“It was shockingly easy, but I was prepared… Know how to calculate co‑insurance. There’s 5 questions on it.”
Suggested 6‑week study guide
Weeks 1–2: General insurance theory, flashcards, 50‑question bank focusing on indemnity, contract principles, insurance terms.
Week 3: Automobile coverage, OAP‑1, endorsements, co‑insurance formulas; flashcards + 50‑question mock tests.
Week 4: Habitational + travel health; deep dive into tenant, condo, habitational packages; 30‑question quizzes.
Week 5: Ethics and regulation scenarios; flashcards on RIB Act/RIBO regulations; combined practice quizzes.
Week 6: Full timed practice exams (2–3), review all flagged questions, calm mindset prep.
Exam day: One last light review, stay calm, trust your prep.
Final thoughts The RIBO Level 1 exam is grounded, systematic, and achievable. Prioritize general, auto, habitational—cover weighty topics early. Use solid instructional tools (like Dino’s focused question review), flashcards, exam banks, and simulation to build confidence. Manage stress, pace yourself, and you’ll be in a strong position for that 75‑plus score. RIBO Practice Exam Questions...
With the right prep plan—notes, objectives, drills, and mindset—you’ll go from overwhelmed to ONTARIO‑licensed. Best of luck—you’ve got this 💪

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