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CII M05 Exam Syllabus Topics:

CII Insurance law (IL) Sample Questions:

Question 1

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

Question 2

When, if at all, does the duty of fair presentation of a risk apply after a non-consumer insurance contract has been formed?

A. On submission of a claim.
B. It does not apply as the duty is to take reasonable care not to make a misrepresentation.
C. Where there is a variation in the insured risk.
D. From the date of a breach of warranty.

Question 3

Within what time period, from the date when the damage first began, does the owner of an office block have a right to sue the builder for negligent construction work?

A. 15 years.
B. 3 years.
C. 6 years.
D. 9 years.

Question 4

Which of the following is true about insurable interest?

A. The policyholder must have an interest in the property at the time of policy purchase but not at thetime 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 a financial stake in the property or event insured at the time of loss

Question 5

Tim is a local insurance broker. He has authority to receive premiums for a personal lines insurer and earns commission from the insurer for sales. Paul, an elderly customer, asked Tim for advice regarding his personal insurance requirements and to assist with completing the proposal form for household insurance. In these circumstances, who, if anyone, is Tim's principal?

A. Paul as it is a consumer contract.
B. The insurer at all times.
C. No one as Tim is not a party to the insurance contract.
D. Both the insurer and Paul at different times.

Solutions: