2026 M05 Exam Voucher | Valid CII M05: Insurance law (IL) Exam 100% Pass

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CII M05 Exam Syllabus Topics:

Section	Objectives
Liability and Tort	- Negligence and duty of care 1. Remedies and damages 2. Breach and causation - Employer and public liability 1. Vicarious liability 2. Occupiers’ liability
Agency Law	- Creation and authority of agents 1. Duties of agents and principals 2. Actual and apparent authority
Insurance Claims and Legal Principles	- Claims handling principles 1. Indemnity principle 2. Subrogation and contribution
Legal System and Sources of Law	- Sources of law 1. Common law and equity 2. Statute law and regulations - Structure of the legal system 1. Civil vs criminal law distinctions 2. Courts and hierarchy
Contract Law and Insurance Contracts	- Formation of contracts 1. Offer and acceptance 2. Consideration and intention - Insurance-specific principles 1. Insurable interest 2. Utmost good faith (uberrimae fidei)

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CII Insurance law (IL) Exam Sample Questions (Q85-Q90):

NEW QUESTION # 85
For this question more than 1 option is correct. You must select all the correct options to gain the mark. What are the characteristics of a corporation aggregate?

A. It is answerable to its shareholders or members.
B. It is not treated as a separate legal entity.
C. It is a legal person representing one official position.
D. It is an organisation with a separate legal existence to its membership.

Answer: A,D

NEW QUESTION # 86
When completing a proposal form, Tom declares that he has two spent speeding convictions. How, if at all, will the spent convictions affect an underwriter's decision to write the risk?

A. They will only be considered if Tom had a further speeding conviction in the last 12 months.
B. They will be classed as relevant information and will affect the premium.
C. They will not be considered as this is not an underwriting factor in motor insurance risk assessment.
D. They will be ignored in accordance with the provisions of the Rehabilitation of Offenders Act 1974.

Answer: D

NEW QUESTION # 87
Fraudulent claims invalidate the policy and the insurer is entitled to cancel the policy and deny any claims associated with it. Fraud is a serious violation under the principle of utmost good faith.
What is the purpose of the Doctrine of Insurable Interest in insurance contracts?

A. To protect the policyholder's right to make a claim regardless of their involvement
B. To ensure that the policyholder has a financial stake in the insured item or person
C. To prevent the insured from profiting from a loss
D. To protect the insurer from excessive claims

Answer: B

Explanation:
The Doctrine of Insurable Interest ensures that the policyholder has a legitimate financial or emotional interest in the person or property being insured. This helps to prevent fraudulent claims.

NEW QUESTION # 88
Paul made a formal offer to John and gave hun (out weeks to accept it. Three weeks later, and before, John had responded. Paul needed to withdraw the offer. What is the position in contract law?

A. John can enforce the contract as the offer was formally made.
B. John cannot enforce the contract but is entitled to claim damages from Paul.
C. Paul does not have the right to withdraw the offer within the four-week period.
D. Paul has the right to withdraw the offer at any time before acceptance.

Answer: D

NEW QUESTION # 89
What is the role of the Financial Ombudsman Service (FOS) in insurance disputes?

A. It helps consumers resolve complaints with their insurers
B. It regulates the pricing of insurance products
C. It provides legal advice to insurers
D. It issues licenses to insurance companies

Answer: A

Explanation:
The Financial Ombudsman Service (FOS) is an independent body that helps consumers resolve disputes with financial services, including insurance companies. It provides a neutral mechanism for dispute resolution.

NEW QUESTION # 90
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