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CII Insurance law (IL) Sample Questions:

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

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

2. When the rule in Rylands v Fletcher operates, liability arises from the:

A) strict liability of the defendant
B) defendant's negligence.
C) vicarious liability of the defendant
D) defendant's trespass to land

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

4. A manufacturer was under contract to pay a supplier El .000 on receipt of the delivery of raw materials.
However, the supplier failed to deliver and the manufacturer had to purchase identical materials from another supplier for £1,200. What amount of damages is the manufacturer legally entitled to claim from the supplier who failed to deliver?

A) £1,200
B) £1,000
C) £200
D) £2,200

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

Solutions: