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Last Updated: Sep 15, 2026

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CII M05 Exam Overview:

Certification Vendor:Chartered Insurance Institute (CII)
Exam Name:Insurance Law (M05)
Exam Number:M05
Exam Format:Multiple-choice questions, Computer-based exam
Real Exam Qty:100 (multiple-choice)
Related Certifications:Diploma in Insurance (Dip CII)
Certificate in Insurance (Cert CII)
Certificate Validity Period:Lifetime (CII qualification does not expire once awarded)
Available Languages:English
Exam Price:Varies by region and exam entry route (typically ~£100–£200)
Passing Score:70%
Exam Duration:120 minutes
Recommended Training:CII Revision Materials
CII Learning Content (Insurance Law M05)
Exam Registration:CII Exam Entry
Sample Questions: DOWNLOAD DEMO
Exam Way:Computer-based exam (online proctored or test centre depending on region)
Pre Condition:No formal prerequisites required, but prior completion of Certificate in Insurance (Cert CII) is recommended.
Official Syllabus URL:https://www.cii.co.uk/qualifications/diploma-in-insurance/

CII M05 Exam Syllabus Topics:

SectionObjectives
Legal System and Sources of Law- Sources of law
  • 1. Statute law and regulations
    • 2. Common law and equity
      - Structure of the legal system
      • 1. Civil vs criminal law distinctions
        • 2. Courts and hierarchy
          Agency Law- Creation and authority of agents
          • 1. Duties of agents and principals
            • 2. Actual and apparent authority
              Insurance Claims and Legal Principles- Claims handling principles
              • 1. Subrogation and contribution
                • 2. Indemnity principle
                  Liability and Tort- Negligence and duty of care
                  • 1. Remedies and damages
                    • 2. Breach and causation
                      - Employer and public liability
                      • 1. Occupiers’ liability
                        • 2. Vicarious liability
                          Contract Law and Insurance Contracts- Formation of contracts
                          • 1. Offer and acceptance
                            • 2. Consideration and intention
                              - Insurance-specific principles
                              • 1. Utmost good faith (uberrimae fidei)
                                • 2. Insurable interest

                                  Everything Candidates Want to Know About the M05 Exam

                                  The CII Insurance law (IL) exam is the official CII assessment behind the Diploma in Insurance (Dip CII) credential, which sits at the Diploma level. Passing it confirms that your skills meet the vendor's current requirements rather than a textbook outline. It also connects with related certifications such as Certificate in Insurance (Cert CII), Diploma in Insurance (Dip CII), so it can anchor a broader certification path.

                                  According to the official exam information, the CII Insurance law (IL) exam includes 100 (multiple-choice) questions and gives you 120 minutes to complete them. Treat that as a pacing exercise, not just a knowledge check: bank the questions you know first, flag the ones that stall you, and circle back instead of burning minutes on a single item. Before test day, run at least one full timed session in the Actual4Cert desktop or online test engine, so the clock never feels unfamiliar when it counts.

                                  To pass the CII Insurance law (IL) exam you need 70%, and the official registration fee is Varies by region and exam entry route (typically ~£100–£200). Keep one thing in mind: a failed attempt is not discounted, so retaking the exam means paying Varies by region and exam entry route (typically ~£100–£200) again in full. A practical safeguard is to sit a complete Actual4Cert practice test a week or two before your exam date; if your timed scores are not sitting comfortably above the passing mark, consider pushing your booking back and drilling the weak domains first.

                                  The official prerequisites for the CII Insurance law (IL) exam are as follows: No formal prerequisites required, but prior completion of Certificate in Insurance (Cert CII) is recommended.. Requirements can change over time, so confirm the details on the official CII exam page at https://www.cii.co.uk/qualifications/diploma-in-insurance/ before you book your seat.

                                  You can register through the official channels listed below:

                                  Exam delivery: Computer-based exam (online proctored or test centre depending on region).

                                  CII points candidates toward the following official training options:

                                  Official training builds the theory; the 121 practice questions from Actual4Cert show you how that theory appears in exam-style items, which is where most study plans actually pay off.

                                  Yes. A free PDF demo of the CII Insurance law (IL) practice questions is available on the Actual4Cert samples page, so you can check the question style and difficulty before spending anything. Every purchase also includes 365 days of free updates, and if your product expires after that period, you can extend the update service from your member zone at 50% off.

                                  If you take the M05 exam within 60 days of your purchase and do not pass, Actual4Cert offers a 100% money-back guarantee: send a scanned copy of your exam enrollment slip together with the official Score Report PDF within two days of your exam date, and the refund is processed within seven days. The candidate name must match the payer name, and the guarantee does not apply to exams taken within three days of purchase, to material that was downloaded without the exam actually being taken, or to free materials and expired orders. Prefer to keep studying instead? You can exchange your purchase for two additional exam products of equal value, free of charge, while keeping the update service on your original product. Delivery itself is instant: the download link is emailed within one minute of payment, and if nothing arrives within two hours, our support team will sort it out. There is no limit on how many computers you install the material on.

                                  The CII Insurance law (IL) syllabus is organized into 5 domains. The leading areas include Legal System and Sources of Law, Contract Law and Insurance Contracts, and Liability and Tort. For the complete, topic-by-topic breakdown, scroll up to the Exam Topics section above.

                                  CII Insurance law (IL) Sample Questions:

                                  Question #1

                                  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, but only if the diagnosis is terminal.
                                  • B. He does not need to disclose this.
                                  • C. Immediately, irrespective of prognosis.
                                  • D. At the date of the next premium payment.
                                  Reveal Solution  Discussion  0

                                  Correct Answer: B  🗳️

                                  Question #2

                                  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. Pay the claim in full.
                                  • B. Avoid the policy ab initio.
                                  • C. Reject the claim for breach of warranty.
                                  • D. Make an ex-gratia payment.
                                  Reveal Solution  Discussion  0

                                  Correct Answer: A  🗳️

                                  Question #3

                                  In the context of insurance law, who is considered a third-party claimant?

                                  • A. An insurance broker acting on behalf of a client
                                  • B. The policyholder who initiates a claim
                                  • C. A family member of the policyholder
                                  • D. A person who suffers a loss or injury caused by the policyholder's actions
                                  Reveal Solution  Discussion  0

                                  Correct Answer: B  🗳️

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                                  Question #4

                                  Which of the following is an essential element in the formation of an insurance contract?

                                  • A. A valid claim history
                                  • B. The payment of a premium
                                  • C. A formal written agreement
                                  • D. A signed declaration by the policyholder
                                  Reveal Solution  Discussion  0

                                  Correct Answer: B  🗳️

                                  Question #5

                                  For this question more than 1 option is correct. You must select all the correct options to gain the mark. What are the main sources of new English Law?

                                  • A. International treaties.
                                  • B. Official law reports.
                                  • C. Legislation.
                                  • D. Case law.
                                  Reveal Solution  Discussion  0

                                  Correct Answer: C,D  🗳️

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