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CII M05 Exam Syllabus Topics:

CII Insurance law (IL) Sample Questions:

1. What is the principle of utmost good faith in insurance?

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

2. In accordance with the principle of good faith, which facts must a potential policyholder disclose to the insurer when applying for insurance?

A) Only those facts considered likely to reduce the cost of cover
B) Any facts which are in the public domain.
C) Any facts of law.
D) Any facts which are considered material to the risk.

3. The principle of indemnity is the

A) obligation of the insurer to provide a maximum sum insured or limit of liability.
B) obligation of the insurer to pay all valid claims according to the terms and conditions of the policy.
C) placing of the insured, after a loss, in the same financial position as enjoyed immediately before the loss.
D) placing of the insured, at expiry of a policy, in the same financial position as enjoyed at inception.

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

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

5. What does the Consumer Insurance (Disclosure and Representations) Act 2012 require from consumers applying for insurance?

A) Consumers must choose an insurer based on premium prices alone.
B) Consumers are required to pay for claims made during the policy term.
C) Consumers must answer questions about their past claims history.
D) Consumers must disclose all material facts honestly and accurately.

Solutions: