What might be a consequence of not having insurance during the TPST?

Having insurance during the TPST is often a requirement for participants for various reasons, including liability coverage and financial protection. If an individual does not have insurance, they may face significant consequences, such as not being permitted to take the test at all. This policy is typically in place to ensure that all participants are financially responsible for any incidents that might occur during the testing, thereby promoting safety and accountability.

In contrast, allowing the test taker to participate with a warning would weaken the institution's standards regarding insurance. Automatically passing without insurance would undermine the assessment's integrity, as assessment criteria would be compromised. Similarly, reduced test fees for lacking insurance would not align with established practices that require full coverage to mitigate risks. Therefore, not having insurance leads directly to the prohibition from participating in the test.