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CII Insurance law (IL) Sample Questions:

1. For this question more than 1 option is correct. You must select all the correct options to gain the mark.
The Insurance: Conduct of Business sourcebook (ICOBS) rules in respect of claims handling specify that an insurer must

A) not unreasonably reject an insured's claim.
B) provide reasonable guidance to an insured to help him make a claim.
C) handle a claims notification within 14 days.
D) settle a claim promptly once settlement has been agreed.

2. Bill owned a painting which was insured under a policy containing a first refusal clause. The painting was stolen and Bill's claim was settled, but several months later the painting was recovered by the police. As a consequence, what is Bill's position under his insurance policy?

A) Bill may keep the claim settlement and also keep the painting.
B) Bill may exercise an option to buy the painting back.
C) Bill must return the claim settlement in exchange for the painting.
D) Bill must buy the painting back.

3. According to statute law, an unfair term in a consumer insurance contract is defined as one which

A) has been individually negotiated and is to the detriment of either one of the parties.
B) does not restrict liability for death or personal injury.
C) causes a significant imbalance in the parties' rights to the detriment of the consumer.
D) provides insurance where the scope of cover is narrow compared to the premium charged.

4. Julie has agreed to feed lan's cat whilst he is away on holiday in a remote location. When the cat becomes seriously ill. Julie is unable to contact Ian, so she takes the cat to the vet and also pays the vet's bill. In these circumstances. Julie is best described as:

A) an agent by estoppel
B) an implied agent
C) an express agent
D) an agent by necessity

5. A riot results in a shop being damaged and the shopowner's insurer settling the claim. A subrogation right enabling the insurer to sue the police authority arises under

A) statute.
B) a condition subsequent to liability.
C) tort.
D) a condition precedent to liability.

Solutions: