HomeThe exam
RIBO Level 1 · in effect since 1 Jan 2025

What the RIBO Level 1 exam actually looks like — and how to be ready.

100 questions, 180 minutes, a 75% pass line, across five weighted domains. Here's the format in full, and exactly how this course maps to every part of it.

100QMultiple choice
180min3 hours
75%To pass
15Unscored pilots
The five domains

The exam is weighted. Your studying should be too.

RIBO tests five content domains in fixed proportions. Commercial Lines was added in 2025 and now carries a full fifth of the exam — the single biggest reason older material comes up short.

Content domain
Weight
Share of exam
General & regulationInsurance law, ethics, RIBO conduct
25%
HabitationalHomeowners, tenant, condo, seasonal
25%
AutomobileOAP 1, DCPD, accident benefits, OPCF
25%
Commercial linesCGL, BI, property — new in 2025
20%
Travel healthOut-of-province emergency medical
5%
Course question bank980 questions · same weighting
How you're tested

Three levels of thinking, not just recall.

RIBO doesn't only ask what you memorized. Most of the exam asks you to understand and apply — which is why every question in the course carries an explanation, not just a correct letter.

40–45%

Knowledge

Recall of facts, definitions, coverages and rules — the foundation, but less than half the exam.

40–45%

Comprehension

Understanding why a coverage works the way it does, and how the pieces relate.

15–20%

Application

Applying the rules to a client scenario — the questions that separate a pass from a fail.

On exam day

The rules worth knowing before you book.

Three hours, 100 questions

Multiple choice, with 15 unscored pilot questions mixed in that don't count toward your result.

Two providers

The exam is delivered through IIO and IBAO. You choose where you sit it.

Two attempts, then a wait

Two tries per provider. Fail both and you wait eight months before you can rewrite.

Ontario rules only

Common law, OPCF endorsements, and the Licence Appeal Tribunal for disputes — not SEF forms or mediation.

75Score to pass

Why the first attempt matters so much

With only two tries per provider before an eight-month wait, a first attempt isn't a practice run. This course is built to get you comfortably past 75% — clearing 85% on two mock exams — before you ever book.

Course → exam

Every part of the exam has a matching part of the course.

What the exam does

Weights five domains, 100 questions, 75% to pass

  • Commercial Lines at 20%, new since 2025
  • Mostly comprehension and application, not recall
  • Scenario questions on OAP 1, DCPD, CGL, BI
  • Ontario-specific: OPCF, LAT, common law
What the course gives you

980 questions weighted the same, all explained

  • 196 Commercial questions — the full 20%
  • A written explanation on every question
  • Two 100-question mocks scored by domain
  • Current Ontario rules, no recycled content

Ready when you are — and ready for the real format.

Practice weighted like the exam, mock it under real conditions, and book with confidence.