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CII M05 Exam Syllabus Topics:

CII Insurance law (IL) Sample Questions:

Question 1

For this question more than 1 option is correct. You must select all the correct options to gain the mark.
A proposer for private motorcycle insurance carelessly states the motorcycle's engine capacity as 500cc when in fact it is 1500cc. A policy is issued by the insurer on this basis. In the event of a valid claim causing damage to the motorcycle, what potential remedies are available to the insurer under the Consumer Insurance (Disclosure and Representations) Act 2012?

A. Avoid the contract, refuse all claims and keep the premium.
B. Apply any terms it would have applied if the misrepresentation had not taken place.
C. Reduce the claim amount in proportion to the premium it would have charged.
D. Reject the claim, but maintain the policy.

Question 2

In the tort of negligence, a primary victim of nervous shock is a class of person who suffers psychiatric injury

A. as a result of grief or sorrow for the loss of a person with whom he had a close relationship.
B. as a result of stress or harassment at work.
C. through fear for his own safety in an accident.
D. through fear for the safety of another person involved in an accident which he witnessed.

Question 3

In the context of insurance law, who is considered a third-party claimant?

A. A person who suffers a loss or injury caused by the policyholder's actions
B. The policyholder who initiates a claim
C. A family member of the policyholder
D. An insurance broker acting on behalf of a client

Question 4

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

Question 5

According to statute law, an unfair term in a consumer insurance contract is defined as one which

A. does not restrict liability for death or personal injury.
B. has been individually negotiated and is to the detriment of either one of the parties.
C. causes a significant imbalance in the parties' rights to the detriment of the consumer.
D. provides insurance where the scope of cover is narrow compared to the premium charged.

Solutions: