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

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CII Insurance law (IL) Exam Sample Questions (Q86-Q91):

NEW QUESTION # 86
Which legislation regulates the conduct of insurance companies and their intermediaries in the UK?

A. The Companies Act 2006
B. The Insurance Act 2015
C. The Consumer Insurance (Disclosure and Representations) Act 2012
D. The Financial Services and Markets Act 2000

Answer: D

Explanation:
The Financial Services and Markets Act 2000 (FSMA) regulates the conduct of financial services firms, including insurance companies and intermediaries, in the UK. It establishes the framework for the regulation of the insurance industry.

NEW QUESTION # 87
Under insurance law, what is the effect of a fraudulent claim on an insurance policy?

A. The policyholder must repay any claim payments made previously
B. The insurer may cancel the policy and deny the claim
C. The insurer is required to pay the claim regardless of the fraud
D. The policyholder may still receive a partial payout

Answer: B

NEW QUESTION # 88
How do an insurer's subrogation rights differ, if at all, between a theft policy and a personal accident policy?

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

Answer: D

NEW QUESTION # 89
Which of the following is true about insurable interest?

A. The policyholder must have a financial stake in the property or event insured at the time of loss
B. Insurable interest must always be proven at the time the policy is issued
C. Insurable interest is only required for life insurance policies
D. The policyholder must have an interest in the property at the time of policy purchase but not at thetime of loss

Answer: A

Explanation:
interestrefers to the requirement that the policyholder must stand to suffer a financial loss from the event insured. In most cases, this must be proven at the time of loss, not just when the policy is issued.

NEW QUESTION # 90
What is the effect of a waiver on an insurance contract?

A. It allows one party to ignore certain policy terms
B. It allows the insurer to increase the premium
C. It reduces the policyholder's obligation to make full disclosure
D. It terminates the policy

Answer: A

Explanation:
A waiver in insurance law refers to the voluntary relinquishment of a known right, such as forgiving a breach of a condition in the policy. It doesn't cancel the contract but may alter certain terms.

NEW QUESTION # 91
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