ComGI format and pass mark: nine commercial classes, 75 minutes

The ComGI exam is 50 multiple-choice questions in 75 minutes, and you pass by scoring 70% or higher, which means at least 35 correct answers. It sits inside the Commercial General Insurance certification run by the Singapore College of Insurance (SCI), and it is sat as a Computer Screen Examination on the 7th edition syllabus.

That is the short answer. The rest of this guide fills in what candidates actually want to know once they have booked: how the marking works, how to spend the 75 minutes, what the nine chapters weigh, and what changes if you fail.

The numbers at a glance

Item	Detail
Questions	50 multiple-choice
Time	75 minutes (1 hour 15 minutes)
Pass mark	70% (35 of 50 correct)
Fee	S$75–S$85 incl. GST
Body	Singapore College of Insurance (SCI)
Format	Computer Screen Examination
Edition	7th

How the 70% pass mark works

There is one bar and you either clear it or you don't. Get 35 questions right and you pass. Get 34 or fewer and you resit.

Each correct answer is worth one mark. Wrong answers and blanks score zero, and nothing is taken away for a mistake. There is no negative marking on ComGI, so leaving a question empty is the only way to guarantee losing a mark. Guess on anything you cannot work out.

Put another way, you have room to be wrong 15 times and still walk out with a pass. That sounds generous until you remember the paper draws from nine separate classes of commercial insurance, several of which most candidates have never quoted in real life. The margin is there to absorb a few hard questions, not to cover a chapter you skipped.

Spending the 75 minutes

Seventy-five minutes across 50 questions gives you 90 seconds each on average. Commercial insurance questions vary a lot in length, so treat that as a budget to move between questions, not a stopwatch on each one.

A simple way to run the clock:

• First pass (about 45 minutes): answer everything you know on sight and flag anything that needs a second look. Don't stall on a hard question early — mark it and keep moving.
• Second pass (about 20 minutes): work through the flagged questions now that the easy marks are banked.
• Final check (remaining time): confirm nothing is left blank and review any answers you were unsure of.

The exam software lets you flag and revisit questions, so use that instead of trying to hold "come back to this one" in your head while reading the next stem.

If you want to know whether 90 seconds is enough for you, time yourself on a free ComGI mock exam before booking. Pace is something you can only learn by sitting full-length sets, not by reading notes.

The nine chapters and where the marks sit

ComGI is organised around nine classes of commercial general insurance:

Chapter	Topic
1	Property insurance
2	Business interruption insurance
3	Liability and contingency insurance
4	Commercial motor insurance
5	Marine and aviation insurance
6	Construction, machinery and bond insurance
7	Pecuniary insurance
8	Foreign worker insurance
9	Group personal accident and corporate travel insurance

Questions are spread fairly evenly, but property, liability and commercial motor tend to carry a little more weight than the rest. That is worth knowing for two reasons. First, those three are where a strong showing protects your overall mark. Second, the smaller chapters like pecuniary insurance and bonds are the ones candidates most often neglect, then lose easy marks on because the definitions are unfamiliar rather than hard.

The practical move is to find your weak chapters early and drill them on their own rather than re-reading the whole study text. CMFAS Prep has a practice-by-chapter mode for exactly this, so you can isolate, say, marine and aviation until the terminology stops tripping you up, then move on.

Calculators and the questions that need them

Calculators are allowed, but only non-programmable models on the SCI approved list. Check that list before exam day rather than assuming the one in your drawer qualifies.

You won't be doing heavy maths, but a handful of questions involve a calculation — typically average and underinsurance on property claims, or a sum-insured working under business interruption. Practise those few question types with the same calculator you plan to bring, so the device isn't a distraction on the day.

How ComGI compares with BCP and PGI

ComGI is one module within the Commercial General Insurance qualification. Here is how its format lines up against its siblings.

Module	Questions	Time	Pass mark
BCP	40	45 min	70%
PGI	50	75 min	70%
ComGI	50	75 min	70%

All three need the same 70%. ComGI and PGI are the same length and the same time, so if you have already cleared PGI you know what the pace feels like. BCP is the shorter paper at 40 questions in 45 minutes.

Registration, fees and exam day

You register through the SCI website: create an account, pick ComGI with a date and time, and pay the fee of S$75–S$85 including GST. ComGI runs on weekdays at SCI's examination centre, so dates are usually easy to find.

Bring your original NRIC if you are a Singapore citizen or PR, or a valid passport or Employment Pass otherwise, plus your exam confirmation. Your approved calculator is allowed in. Phones must be switched off and stored away, and you cannot bring notes, study materials or a programmable calculator.

If you don't pass

There is no cap on resits. You can sit ComGI as many times as it takes, though the full fee applies each time, so it is cheaper to be ready than to treat a sitting as a trial run.

If you fall short, the fix is almost always specific rather than general. Look at which chapters cost you the marks and rebuild those before rebooking, instead of restarting the whole syllabus. A targeted second attempt usually closes the gap fast. The step-by-step ComGI study guide walks through how to build that plan.

After you pass

ComGI gives you a result slip rather than a certificate. Cleared alongside BCP, it makes up the Commercial General Insurance certification, and the module carries 1.25 CPD hours. Once you have passed BCP, PGI and ComGI, you are entitled to use the designation Cert SCI (General Insurance).

Practise before you book

The candidates who clear ComGI on the first try are usually the ones who treated mock papers as the real work and the study text as reference. Sit full 50-question sets under time, check where you keep losing marks, and drill those chapters until the gaps close.

You can do all of that on the ComGI practice course at CMFAS Prep — timed papers, chapter-by-chapter drilling, and an answer with an explanation after every question so you learn the reasoning, not just the right letter. Run a few full sets, confirm you are clearing 70% with room to spare, then book your sitting.