4. (a) Explain the factors which affect the premium rate of a car insurance. [4 marks] (b) Does car insurance cover the car or the driver? [4 marks] () Is inherited jewelery included in homeowner insurance coverage? [4 marks] (d) What is not included in homeowner insurance? Give some examples. [4 marks] (e) What is the difference between general and professional liability insurance for a business? [4 marks] [Total: 20 marks]