Try and practice the latest CII : IF1 real questions & answers
Updated: Sep 12, 2026
No. of Questions: 100 Questions & Answers with Testing Engine
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CII IF1 Exam Overview:
| Certification Vendor: | Chartered Insurance Institute (CII) |
|---|---|
| Exam Name: | Insurance, Legal and Regulatory Principles |
| Exam Number: | IF1 |
| Exam Duration: | 120 minutes |
| Passing Score: | 70% |
| Real Exam Qty: | 100 |
| Exam Format: | Scenario-based, Multiple Choice Questions (MCQ) |
| Certificate Validity Period: | Unit credit does not expire; certification remains valid unless withdrawn |
| Available Languages: | English |
| Related Certifications: | Diploma in Insurance Advanced Diploma in Insurance Certificate in Insurance |
| Exam Price: | Member: £115 / Non-member: £145 (approx. $145 / $183 USD, subject to change) |
| Recommended Training: | CII Revision Courses CII Study Text & RevisionMate |
| Exam Registration: | Official CII Registration |
| Sample Questions: | CII IF1 Sample Questions |
| Exam Way: | Computer-based test (CBT) at approved test centres or remote online invigilation |
| Pre Condition: | No formal prerequisites; open to all candidates, recommended for those new to insurance |
| Official Syllabus URL: | https://www.cii.co.uk/learning/qualifications/unit-insurance-legal-and-regulatory-if1/ |
CII IF1 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Compulsory Insurance and Legislation | 3% | - Key relevant statutes - Statutory requirements for compulsory insurance |
| Consumer Protection and Dispute Resolution | 8% | - Consumer Insurance (Disclosure and Representations) Act 2012 - Complaints handling procedures - Financial Ombudsman Service (FOS) - Financial Services Compensation Scheme (FSCS) |
| Ethics and Professional Standards | 3% | - Application to insurance scenarios - CII Code of Ethics |
| Principle of Indemnity | 7% | - Methods of providing indemnity - Average clause application - Exceptions to indemnity - Meaning and purpose of indemnity |
| Principle of Insurable Interest | 5% | - Definition and legal basis - When insurable interest must exist - Application in different insurance types |
| Contribution and Subrogation | 6% | - Right of subrogation and its limits - Right of contribution between insurers |
| UK Regulatory Framework | 12% | - Insurance Distribution Directive (IDD) - Role of PRA and FCA - Authorisation and supervision - ICOBS rules and conduct standards |
| Principle of Utmost Good Faith | 11% | - Remedies for breach of duty - Duty of disclosure and representation - Insurance Act 2015 provisions |
| Risk and Insurance | 10% | - Features of insurable risk - Concepts of risk and types of risk - Risk management and control methods |
| Proximate Cause | 2% | - Application to claims settlement - Definition and identification |
| Contract and Agency Law | 9% | - Application to insurance contracts - Essentials of a valid contract - Law of agency and authority |
| Nature and Structure of Insurance | 14% | - Classification of insurance business - Market structures and distribution channels - Purpose and benefits of insurance - Participants in the insurance market |
CII Insurance Legal and Regulatory (IF1) Sample Questions:
Which distribution channel for household insurance is typically characterised by high advertising and promotional costs, with no payment of commission?
- A. Direct insurers.
- B. Lloyd's.
- C. Independent brokers.
- D. Appointed representatives.
The principle of indemnity is the
- A. placing of the insured, after a loss, in the same financial position as enjoyed immediately before the loss.
- B. obligation of the insurer to pay all valid claims according to the terms and conditions of the policy.
- C. placing of the insured, at expiry of a policy, in the same financial position as enjoyed at inception.
- D. obligation of the insurer to provide a maximum sum insured or limit of liability.
What is the current rate of Insurance Premium Tax for a motor insurance policy?
- A. 20%
- B. 12%
- C. 9.5%
- D. 10%
A claim has arisen which is fully covered under insurer A's policy and insurer B's policy. Insurer A's policy has a sum insured of £30,000 and insurer B's policy has a sum insured of £50,000. What proportion of the claim is insurer B liable for if the principle of contribution applies on a rateable proportion by sum insured basis?
- A. Five eighths.
- B. Three fifths.
- C. Two fifths.
- D. Three eighths.
Insurers and intermediaries are required to adhere to solvency requirements as stipulated by the
- A. Financial Ombudsman Service.
- B. European Union.
- C. Association of British Insurers.
- D. Financial Services Compensation Scheme.
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