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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: Law of Agency	8%	- Authority, duties, rights and liabilities 1. Agent-principal relationship in insurance
Topic 6: Terms and Interpretation of Insurance Contracts	16%	- Conditions, warranties, exceptions 1. Vitiating factors, construction of terms
Topic 7: 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 8: Claims and Loss Settlement	14%	- Notification, proof of loss, measure of indemnity 1. Subrogation, contribution, proximate cause

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Pass Guaranteed 2026 Latest CII M05: Exam Insurance law (IL) Exam Review

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CII Insurance law (IL) Exam Sample Questions (Q83-Q88):

NEW QUESTION # 83
For this question more than 1 option is correct. You must select all the correct options to gain the mark.
The Insurance: Conduct of Business sourcebook (ICOBS) rules in respect of claims handling specify that an insurer must

A. settle a claim promptly once settlement has been agreed.
B. not unreasonably reject an insured's claim.
C. handle a claims notification within 14 days.
D. provide reasonable guidance to an insured to help him make a claim.

Answer: A,B,D

NEW QUESTION # 84
A survey of a car repairers reveals a spray booth exists by an unguarded paraffin space beater. Also, a day's supply of paint is kept within the building and waste is removed daily from a metal bin. What will the underwriter perceive as the main physical hazard?

A. The unguarded paraffin space heater.
B. The paint.
C. The waste bin.
D. The spray booth.

Answer: A

NEW QUESTION # 85
What principle requires that both the insurer and insured disclose all material facts to each other before and during the contract?

A. The principle ofsubrogation
B. The principle ofcontribution
C. The principle ofindemnity
D. The principle ofutmost good faith (uberrimae fidei)

Answer: D

Explanation:
Explanation: Under the principle ofutmost good faith, both parties in an insurance contract are required to disclose all material facts that may influence the other party's decision to accept or reject the policy or determine the premium. This obligation exists both before and during the contract.

NEW QUESTION # 86
Which of the following statements is true regarding exclusions in an insurance policy?

A. Exclusions are added to increase the risk of the insurer
B. Exclusions apply only if the loss is caused by fraud
C. Exclusions limit the scope of coverage, specifying situations that are not covered
D. Exclusions are always inapplicable if the insured pays extra for coverage

Answer: C

Explanation:
Explanation:Exclusionsare provisions in an insurance policy that specify certain events or situations that are not coveredby the policy, even if a loss occurs. For example, war or terrorism may be excluded from certain policies. These exclusions help the insurer manage risk.

NEW QUESTION # 87
A warranty in Emily's personal travel insurance policy states that cash must be kept in a locked safe. Whilst on holiday, a storm destroys her hotel and its contents. When Emily completes a claim form for loss of money, she admits that her cash was NOT locked in the safe. What will be the insurer's likely response to her claim for the lost money?

A. Reject the claim for breach of warranty.
B. Make an ex-gratia payment.
C. Avoid the policy ab initio.
D. Pay the claim in full.

Answer: D

NEW QUESTION # 88
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