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CII Insurance law (IL) Sample Questions:

1. Who is entitled to the surplus if a subrogation recovery from a negligent third party is greater than the amount the insurer has paid to the insured?

A) The State
B) The insured only.
C) The insurer only.
D) It is shared between the insurer and the insured.

2. Tim is a local insurance broker. He has authority to receive premiums for a personal lines insurer and earns commission from the insurer for sales. Paul, an elderly customer, asked Tim for advice regarding his personal insurance requirements and to assist with completing the proposal form for household insurance. In these circumstances, who, if anyone, is Tim's principal?

A) No one as Tim is not a party to the insurance contract.
B) Both the insurer and Paul at different times.
C) Paul as it is a consumer contract.
D) The insurer at all times.

3. Fran is self-employed and works from home. She uses her spare bedroom as an office and separately insures her computer, photocopier and other items of office equipment. She occasionally uses the equipment for personal use. Under the Consumer Insurance (Disclosure and Representations) Act 2012. in relation to insuring this equipment, she would be defined as a

A) non-consumer because the items covered are not household items.
B) non-consumer because her insurance cover is mainly for business use.
C) consumer because she is an individual.
D) consumer because she is working from home rather than on business premises.

4. John has a whole of life policy and has recently been diagnosed with cancer. When, if at all. must he disclose this to his insurer?

A) Immediately, irrespective of prognosis.
B) Immediately, but only if the diagnosis is terminal.
C) He does not need to disclose this.
D) At the date of the next premium payment.

5. A person insures her own life under a life insurance policy but does so expressly for the benefit of another. To facilitate this, which type of arrangement is most commonly established?

A) Trust.
B) Lien.
C) Coinsurance.
D) Power of Attorney.

Solutions: