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CII M05 Exam Syllabus Topics:

CII Insurance law (IL) Sample Questions:

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) Reject the claim for breach of warranty.
C) Pay the claim in full.
D) Make an ex-gratia payment.

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

3. As a result of a breach of good faith under a commercial insurance policy, the insurer avoided the policy as a whole, but was NOT permitted to retain the premium because

A) the misrepresentation was fraudulent.
B) no claim had been submitted or paid.
C) the misrepresentation was innocent.
D) the premium was paid by monthly installments.

4. When completing a proposal form, Tom declares that he has two spent speeding convictions. How, if at all, will the spent convictions affect an underwriter's decision to write the risk?

A) They will not be considered as this is not an underwriting factor in motor insurance risk assessment.
B) They will be classed as relevant information and will affect the premium.
C) They will only be considered if Tom had a further speeding conviction in the last 12 months.
D) They will be ignored in accordance with the provisions of the Rehabilitation of Offenders Act 1974.

5. Which of the following is true regarding the "principle of subrogation"?

A) It prevents the insurer from recovering any costs from a third party
B) It means the insurer is entitled to the premium even if the claim is not paid
C) It allows the insured to be compensated twice for the same loss
D) It allows the insurer to pursue third parties responsible for the loss

Solutions: