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CII M05 Exam Syllabus Topics:

Section	Objectives
Nature and Sources of English Law and Legal Persons	- Legal personality 1. Juristic persons 2. Natural persons - Nature and sources of English law 1. Statute law 2. Common law 3. European and international influences
Insurance Contract Terms and Vitiating Factors	- Policy terms and breaches 1. Representations 2. Warranties 3. Conditions - Factors affecting validity 1. Non-disclosure 2. Misrepresentation 3. Fraud
Subrogation and Contribution	- Recovery rights and sharing of losses 1. Contribution 2. Subrogation
Law of Agency and Insurance	- Agency relationships 1. Duties and liabilities 2. Authority of agents 3. Creation of agency
Law of Torts	- Principles of tort law 1. Trespass 2. Nuisance 3. Negligence
Law of Contract	- Contract formation and operation 1. Terms of contract 2. Consideration 3. Breach of contract 4. Offer and acceptance
Insurance Claims	- Claims process and legal principles 1. Claims handling 2. Policyholder duties 3. Claims notification
Formation of Insurance Contracts	- Core insurance principles 1. Disclosure and misrepresentation 2. Utmost good faith 3. Insurable interest
Indemnity and Loss Measurement	- Principle of indemnity 1. Methods of indemnification 2. Valuation of loss

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Actual4Dumps offers verified, authentic CII M05 Real Questions and answers, which are essential for passing the Insurance law (IL) Exam (M05). These questions and answers have been designed by Sitecore experts and can be easily downloaded on a PC, MacBook, or smartphone for comfortable and convenient learning.

CII Insurance law (IL) Exam Sample Questions (Q117-Q122):

NEW QUESTION # 117
For this question more than 1 option is correct. You must select fill the correct options to gain the mark. In what circumstances would an agency agreement be automatically terminated?

A. Death of the agent.
B. Disclosure of the name of the principal.
C. Bankruptcy of the principal.
D. Bankruptcy of the agent.

Answer: A,C

NEW QUESTION # 118
Bill owned a painting which was insured under a policy containing a first refusal clause. The painting was stolen and Bill's claim was settled, but several months later the painting was recovered by the police. As a consequence, what is Bill's position under his insurance policy?

A. Bill must buy the painting back.
B. Bill may exercise an option to buy the painting back.
C. Bill may keep the claim settlement and also keep the painting.
D. Bill must return the claim settlement in exchange for the painting.

Answer: B

NEW QUESTION # 119
A nurse working shifts is regularly disturbed by her neighbour givig brass instrument lessons in Ihe evenings.
She is tired and losing concentration at work but is NOT at risk of losing her job. What remedy can be provided by equity as an alternative source of law to common law?

A. Specific performance
B. An injunction.
C. General damages.
D. Punitive damages.

Answer: B

Explanation:
In this case, the nurse is facing a disturbance from her neighbor, which is affecting her concentration and well- being. Aninjunctionis an equitable remedy that could be used to stop the neighbor from causing the disturbance, either temporarily (atemporary injunction) or permanently (apermanent injunction). This is often used to prevent ongoing nuisance or harm, like in this situation where the noise is impacting the nurse's ability to work.
Specific performance (A) would typically apply to compelling someone to fulfill a contractual obligation, not for stopping a nuisance. Punitive damages (B) and general damages (C) are not equitable remedies but are more common in common law for compensating harm or punishment.

NEW QUESTION # 120
Which of the following is a feature of an insurance contract under the principle of "utmost good faith"?

A. The insured must disclose all material facts relevant to the risk.
B. Both parties must agree on the premium amount in advance.
C. The insurer must be transparent about the terms of the policy.
D. The insurer must pay all claims, regardless of the terms of the policy.

Answer: A

Explanation:
Under the principle of utmost good faith (also known as "uberrimae fidei"), the insured must disclose all material facts to the insurer that could affect the insurer's decision to provide coverage or the terms of the policy.

NEW QUESTION # 121
What does the principle of "indemnity" generally prevent in an insurance contract?

A. Allowing the insured to profit from the loss
B. Insuring property for more than its actual value
C. Setting premiums based on market conditions
D. Limiting the insurer's liability

Answer: A

Explanation:
The principle of indemnity ensures that insurance is for the purpose of restoring the insured to the same financial position they were in prior to the loss. It prevents the insured from profiting from the insurance claim.

NEW QUESTION # 122
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