CII E05 valid study dumps : Examination element of M05 Insurance law

  • Exam Code: E05
  • Exam Name: Examination element of M05 Insurance law
  • Updated: Jun 22, 2026
  • Q&As: 52 Questions and Answers

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CII Examination element of M05 Insurance law Sample Questions:

1. In terms of private motor insurance, a renewal offer can be accepted

A) by any third party.
B) only by written communication.
C) by the proposer acting in reliance of the offer.
D) only by the proposer personally.


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

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


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


4. A claimant may possibly recover money transferred under an illegal contract when

A) the illegality makes the contract voidable rather than void.
B) both parties to the contract are equal in wrongdoing.
C) the contract is against public policy but not substantive law.
D) the legal portion of the contract can be severed from the illega portion.


5. What is the maximum contingency fee percentage under a damages-based agreement that can be charged by a solicitor for personal injury cases and employment tribunal cases respectively?

A) 35% for personal injury cases and 25% for employment tribunal cases.
B) 50% for both cases.
C) 35% for both cases.
D) 25% for personal injury cases and 35% for employment tribunal cases.


Solutions:

Question # 1
Answer: C
Question # 2
Answer: A
Question # 3
Answer: B,D
Question # 4
Answer: B
Question # 5
Answer: D

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