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CII M05 Exam Syllabus Topics:

Section	Weight	Objectives
English Legal System and Basic Concepts	10%	- Nature and sources of law 1. Legal persons and capacity 2. Common law, statute law, EU law
Law of Agency	8%	- Authority, duties, rights and liabilities 1. Agent-principal relationship in insurance
Terms and Interpretation of Insurance Contracts	16%	- Conditions, warranties, exceptions 1. Vitiating factors, construction of terms
Law of Torts	8%	- Principles of tort liability 1. Negligence, nuisance, strict liability
Claims and Loss Settlement	14%	- Notification, proof of loss, measure of indemnity 1. Subrogation, contribution, proximate cause
Formation of Insurance Contracts	18%	- Utmost good faith, disclosure, representation 1. Insurable interest, indemnity, subrogation
Legislation and Regulation	14%	- Consumer protection, data protection, FCA/PRA rules 1. Insurance regulatory framework
Law of Contract	12%	- Formation of contract 1. Terms, breach, remedies, privity 2. Offer, acceptance, consideration, intention

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CII Insurance law (IL) Exam Sample Questions (Q89-Q94):

NEW QUESTION # 89
Dan made a financial arrangement on behalf of Liz. However, Liz had the arrangement set aside by the court on the basis that she had been unduly influenced by Dan. To establish undue influence, the court must have specifically identified Dan as

A. Liz's husband.
B. Liz's independent financial adviser.
C. a person holding a senior position at Liz's bank.
D. a person holding a dominant position over Liz.

Answer: D

NEW QUESTION # 90
Fran is self-employed and works from home. She uses her spare bedroom as an office and separately insures her computer, photocopier and other items of office equipment. She occasionally uses the equipment for personal use. Under the Consumer Insurance (Disclosure and Representations) Act 2012. in relation to insuring this equipment, she would be defined as a

A. consumer because she is working from home rather than on business premises.
B. consumer because she is an individual.
C. non-consumer because her insurance cover is mainly for business use.
D. non-consumer because the items covered are not household items.

Answer: B

NEW QUESTION # 91
How can an agency relationship be best described?

A. A person, who has paid another party under a contract, has the right to stand in the place of that other party and avail himself of the rights and remedies of that party.
B. A person has transferred his obligations under a contract to another party.
C. A person has the authority to act on behalf of another party.
D. A person has ratified another party's action.

Answer: C

NEW QUESTION # 92
Which of the following is true regarding the "principle of subrogation"?

A. It allows the insurer to pursue third parties responsible for the loss
B. It means the insurer is entitled to the premium even if the claim is not paid
C. It prevents the insurer from recovering any costs from a third party
D. It allows the insured to be compensated twice for the same loss

Answer: A

Explanation:
Subrogation allows the insurer to "step into the shoes" of the insured after they pay a claim, allowing them to pursue recovery from any third parties who may be responsible for the loss.

NEW QUESTION # 93
According to statute, a term under a consumer personal accident insurance policy may potentially be considered unfair if the insurer

A. requires notification of a claim within a very short time period.
B. applies a specific exclusion within the policy wording.
C. imposes a premium loading.
D. provides coverage that is more restrictive than that of other insurers.

Answer: A

NEW QUESTION # 94
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