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CII M05 Exam Syllabus Topics:

CII Insurance law (IL) Sample Questions:

Question 1

What happens if an insured party fails to disclose a material fact during the application process for an insurance policy?

A. The insurer may reduce the coverage limits
B. The insurer will continue to provide coverage without any adjustments
C. The insurer may void the contract if the omission is deemed significant
D. The insurer may charge a higher premium

Question 2

What is the principle of utmost good faith in insurance?

A. Insurers must provide coverage for all types of risks.
B. A policyholder's claims must always be paid out without dispute.
C. Both parties in the contract must act honestly and disclose all material facts.
D. The insurance policy must be renewed annually.

Question 3

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. Pay the claim in full.
D. Avoid the policy ab initio.

Question 4

What are the main reasons why the law requires insurable interest to exist?

A. Discourage betterment and ensure premium adequacy.
B. Reduce physical hazard and discourage gambling.
C. Reduce moral hazard and discourage gambling.
D. Discourage underinsurance and ensure premium adequacy.

Question 5

Under the provisions of the Contracts (Rights of Third Parties) Act 1999, the right to enforce a contractual term arises if a third party.

A. is the agent who arranged the contract.
B. is one of a general class of persons identified in the contract as benefitting from the contract.
C. appoints an agent to carry out the contract provisions.
D. proves that the parties to the contract intended to limit his rights.

Solutions: