CII Insurance Law (M05) E05

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CII Examination element of M05 Insurance law Sample Questions:

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

2. Ambiguous terms in a household insurance contract are generally construed against the

A) policyholder due to the literal rule.
B) insurer due to the contra proferentem rule.
C) policyholder due to the noscitur a sociis rule.
D) insurer due to the ejusdem generis rule.

3. When, if at all, does the duty of fair presentation of a risk apply after a non-consumer insurance contract has been formed?

A) On submission of a claim.
B) From the date of a breach of warranty.
C) Where there is a variation in the insured risk.
D) It does not apply as the duty is to take reasonable care not to make a misrepresentation.

4. 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) Make an ex-gratia payment.
B) Avoid the policy ab initio.
C) Reject the claim for breach of warranty.
D) Pay the claim in full.

5. The principle of subrogation prevents a policyholder from profiting from

A) claiming under both his insurance policy and against any negligent third party.
B) assigning abandonment rights to the insurer.
C) retaining salvaged property.
D) submitting a full claim recovery under more than one insurance policy.

Solutions: