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CII E05 Braindumps - in .pdf Free Demo

  • Exam Code: E05
  • Exam Name: Examination element of M05 Insurance law
  • Last Updated: Sep 12, 2026
  • Q & A: 52 Questions and Answers
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  • Exam Code: E05
  • Exam Name: Examination element of M05 Insurance law
  • Last Updated: Sep 12, 2026
  • Q & A: 52 Questions and Answers
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CII E05 Exam Syllabus Topics:

SectionObjectives
Liability and Tort Law- Vicarious liability
- Negligence principles
- Occupiers’ liability
Key Legal Principles in Insurance- Insurable interest
- Utmost good faith (uberrimae fidei)
- Disclosure and misrepresentation
- Warranties and conditions
Principles of Insurance Law- Fundamental legal principles affecting insurance contracts
- Nature and purpose of insurance law
Insurance Contract Formation- Offer, acceptance, consideration, and intention to create legal relations
- Policy wording and interpretation
Claims and Remedies- Fraud and avoidance of policies
- Claims handling process
- Subrogation and contribution

CII Examination element of M05 Insurance law Sample Questions:

Question #1

For this question more than 1 option is correct. You must select all the correct options to gain the mark. How may double insurance arise?

  • A. A deliberate attempt to obtain the proceeds of two policies.
  • B. A merger between two major insurance companies.
  • C. The inadvertent non-cancellation of a policy when a new policy is taken out.
  • D. An overlap in cover between two different types of insurance policy.
Answer: A,D
Question #2

At what stage is insurable interest required for a marine cargo insurance policy?

  • A. At inception of the policy only.
  • B. Throughout the duration of the contract.
  • C. At both inception of the policy and at the time of the loss.
  • D. At the time of the loss only.
Answer: D
Question #3

For this question more than 1 option is correct. You must select all the correct options to gain the mark.
A proposer for private motorcycle insurance carelessly states the motorcycle's engine capacity as 500cc when in fact it is 1500cc. A policy is issued by the insurer on this basis. In the event of a valid claim causing damage to the motorcycle, what potential remedies are available to the insurer under the Consumer Insurance (Disclosure and Representations) Act 2012?

  • A. Avoid the contract, refuse all claims and keep the premium.
  • B. Reject the claim, but maintain the policy.
  • C. Reduce the claim amount in proportion to the premium it would have charged.
  • D. Apply any terms it would have applied if the misrepresentation had not taken place.
Answer: C,D
Question #4

What is the intended purpose of a subrogation waiver clause in an insurance po

  • A. The doctrine of subrogation is excluded from the policy.
  • B. The insured has a duty to ensure that the insurer's subrogation rights are maintained.
  • C. Cover is suspended whilst the insurer pursues an action for subrogation.
  • D. The insurer's subrogation rights will not be exercised against certain parties associated with the insured.
Answer: D
Question #5

Insurance agencies are usually created by way of

  • A. express agreement.
  • B. unilateral agreement.
  • C. implied agreement.
  • D. deed of agreement.
Answer: A

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