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CII Insurance law (IL) Sample Questions:

1. John owns stock that he intentionally insured for £15,000, although the full value of the stock is £18.000. His insurance policy has no excess and is subject to a pro rata condition of average. In the event of water damaging £6.000 of John's stock, how much will the insurer pay for a valid claim after the application of average?

A) £3,000
B) £6,000
C) £5,000
D) £15,000

2. What is the effect of a waiver on an insurance contract?

A) It terminates the policy
B) It allows one party to ignore certain policy terms
C) It reduces the policyholder's obligation to make full disclosure
D) It allows the insurer to increase the premium

3. A household insurance policyholder leaves his home to go to work without setting the burglar alarm. Whilst he was out, his new tumble dryer overheats and causes fire damage to the kitchen. In what circumstances may the insurer legally reject a fire claim?

A) If the tumble dryer is covered by extended warranty insurance.
B) If the policyholder exaggerates the value of the claim.
C) If there is a subrogation action against the manufacturer of the tumble dryer.
D) If there is a breach of a warranty requiring the burglar alarm to be set.

4. What is the primary purpose of the Duty of Disclosure in an insurance contract?

A) To protect the insurer from financial instability
B) To allow the policyholder to choose the terms of coverage
C) To ensure the insurer is able to assess the risk involved in underwriting the policy
D) To ensure that both parties understand the terms of the contract

5. The test of the materiality of facts in an insurance contract is defined according to the opinion of a

A) prudent underwriter.
B) honest proposer.
C) diligent broker.
D) reasonable person.

Solutions: