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CII M05 Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Law of Contract	12%	- Formation of contract 1. Terms, breach, remedies, privity 2. Offer, acceptance, consideration, intention
Topic 2: Law of Torts	8%	- Principles of tort liability 1. Negligence, nuisance, strict liability
Topic 3: Formation of Insurance Contracts	18%	- Utmost good faith, disclosure, representation 1. Insurable interest, indemnity, subrogation
Topic 4: Legislation and Regulation	14%	- Consumer protection, data protection, FCA/PRA rules 1. Insurance regulatory framework
Topic 5: English Legal System and Basic Concepts	10%	- Nature and sources of law 1. Common law, statute law, EU law 2. Legal persons and capacity
Topic 6: Claims and Loss Settlement	14%	- Notification, proof of loss, measure of indemnity 1. Subrogation, contribution, proximate cause
Topic 7: Law of Agency	8%	- Authority, duties, rights and liabilities 1. Agent-principal relationship in insurance
Topic 8: Terms and Interpretation of Insurance Contracts	16%	- Conditions, warranties, exceptions 1. Vitiating factors, construction of terms

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CII Insurance law (IL) Exam Sample Questions (Q91-Q96):

NEW QUESTION # 91
In a chain of events, the proximate cause of a loss is always the

A. dominant event leading to the loss.
B. last event before the loss occurs.
C. only event which is not excluded by the terms of the policy.
D. only event contributing towards the loss.

Answer: A

NEW QUESTION # 92
Which of the following is NOT an exclusion under a typical homeowners insurance policy?

A. Earthquake damage
B. Theft by a family member
C. Flood damage
D. Fire damage caused by lightning

Answer: B

Explanation:
Most homeowners policies exclude damage caused by floods or earthquakes, but theft by a family member is typically not excluded under such policies. However, theft by an external party is generally covered.

NEW QUESTION # 93
In terms of private motor insurance, a renewal offer can be accepted

A. only by written communication.
B. by the proposer acting in reliance of the offer.
C. only by the proposer personally.
D. by any third party.

Answer: B

NEW QUESTION # 94
A proposer for household insurance completes and submits an online application. When the insurer's website responds with a quotation based on the application, the quotation is most likely to be legally regarded as:

A. an invitation to treat
B. a counter offer
C. an offer
D. an acceptance of an offer

Answer: C

NEW QUESTION # 95
How do an insurer's subrogation rights differ, if at all, between a theft policy and a personal accident policy?

A. Subrogation rights do not apply under either policy.
B. Subrogation rights apply under both policies.
C. Subrogation rights only apply under a theft policy.
D. Subrogation rights only apply under a personal accident policy.

Answer: C

NEW QUESTION # 96
......

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