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Last Updated: Sep 15, 2026

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The CII Insurance law (IL) exam has a reputation for catching even experienced professionals off guard. Actual4Cert turns that challenge into a manageable plan with 121 targeted M05 practice questions updated for 2026.

CII M05 Exam Overview:

Certification Vendor:Chartered Insurance Institute (CII)
Exam Name:Insurance Law (IL)
Exam Number:M05
Related Certifications:Diploma in Insurance
Available Languages:English
Exam Duration:60 minutes
Exam Format:Coursework Assignment (10 compulsory short-answer questions), 10 Multiple Response Questions, 40 Multiple Choice Questions (MCQ)
Real Exam Qty:50
Passing Score:65%
Sample Questions: DOWNLOAD DEMO
Exam Way:Computer-based online examination and coursework assessment through CII RevisionMate; available year-round at approved test centres or remote locations where permitted.
Pre Condition:No mandatory prerequisites. Recommended for candidates pursuing the CII Diploma in Insurance.
Official Syllabus URL:https://www.cii.co.uk/learning/qualifications/unit-insurance-law-m05/

CII M05 Exam Syllabus Topics:

SectionObjectives
Law of Contract- Contract formation and operation
  • 1. Terms of contract
  • 2. Offer and acceptance
  • 3. Consideration
  • 4. Breach of contract
Insurance Contract Terms and Vitiating Factors- Factors affecting validity
  • 1. Misrepresentation
  • 2. Fraud
  • 3. Non-disclosure
- Policy terms and breaches
  • 1. Conditions
  • 2. Warranties
  • 3. Representations
Formation of Insurance Contracts- Core insurance principles
  • 1. Disclosure and misrepresentation
  • 2. Utmost good faith
  • 3. Insurable interest
Insurance Claims- Claims process and legal principles
  • 1. Claims notification
  • 2. Claims handling
  • 3. Policyholder duties
Law of Torts- Principles of tort law
  • 1. Trespass
  • 2. Negligence
  • 3. Nuisance
Nature and Sources of English Law and Legal Persons- Nature and sources of English law
  • 1. Statute law
  • 2. European and international influences
  • 3. Common law
- Legal personality
  • 1. Juristic persons
  • 2. Natural persons
Law of Agency and Insurance- Agency relationships
  • 1. Authority of agents
  • 2. Duties and liabilities
  • 3. Creation of agency
Indemnity and Loss Measurement- Principle of indemnity
  • 1. Methods of indemnification
  • 2. Valuation of loss
Subrogation and Contribution- Recovery rights and sharing of losses
  • 1. Subrogation
  • 2. Contribution

Frequently Asked Questions About CII Insurance law (IL)

The CII Insurance law (IL) exam (exam code M05) is the official CII exam that leads to the Insurance Law (M05) certification, sitting at the Level 4 Diploma level of the CII certification track. It is also connected with Diploma in Insurance. If this is the credential you are working toward, the 121 practice questions at Actual4Cert map directly to its objectives.

The CII Insurance law (IL) exam includes 50 questions, and you have 60 minutes to complete them. Divide the time limit by the question count and you get a tight average pace per item, so train yourself to flag time-consuming questions and return to them later instead of getting stuck. Before test day, run at least one full timed session in the Actual4Cert test engine under the same limits — the clock should never surprise you.

According to CII, candidates should meet the following before registering: No mandatory prerequisites. Recommended for candidates pursuing the CII Diploma in Insurance.. Requirements can change, so confirm the latest details on the official exam page before you register.

Yes. A free PDF demo of the M05 practice questions is available to download, so you can judge the format and quality before paying anything. Every purchase also includes 365 days of free updates, and if your product expires you can extend the update service at a 50% discount.

Your order is covered by a conditional 100% money-back guarantee: if you take the corresponding exam within 60 days of purchase and do not pass, you may apply for a full refund. Exams taken within 3 days of purchase are not eligible, nor are free materials or expired orders, and the candidate name must match the payer name. To claim, submit a scanned enrollment slip and your official Score Report PDF within 2 days of the exam; claims are processed within 7 days. Prefer to keep studying? You can instead exchange your purchase for two free products of equal value while keeping the update service on your original one. Delivery itself is immediate: your product unlocks for instant download right after payment and a copy is emailed to you within a minute — if nothing arrives within 2 hours, contact our support team. There is no limit on the number of computers you can install it on.

The CII Insurance law (IL) blueprint is divided into 9 major domains, starting with Law of Contract, Law of Agency and Insurance, and Insurance Claims. The full breakdown, including every subdomain and its weighting, is listed in the Exam Topics section above — review it against your own weak areas before scheduling the exam.

CII Insurance law (IL) Sample Questions:

Question #1

For this question more than 1 option is correct. You must select all the correct options to gain the mark.
The Insurance: Conduct of Business sourcebook (ICOBS) rules in respect of claims handling specify that an insurer must

  • A. handle a claims notification within 14 days.
  • B. not unreasonably reject an insured's claim.
  • C. settle a claim promptly once settlement has been agreed.
  • D. provide reasonable guidance to an insured to help him make a claim.
Reveal Solution  Discussion  0

Correct Answer: B,C,D  🗳️

Question #2

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.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

Question #3

In the context of insurance, what does "utmost good faith" (uberrimae fidei) require?

  • A. The policyholder must always pay premiums in advance
  • B. The insurer must offer the policyholder the best possible coverage
  • C. Both parties must fully disclose all relevant information
  • D. The insurance contract must be written in simple, easy-to-understand language
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

Explanation: Only visible for Actual4Cert members. You can sign-up / login (it's free).

Question #4

Which of the following statements is true regarding exclusions in an insurance policy?

  • A. Exclusions are added to increase the risk of the insurer
  • B. Exclusions apply only if the loss is caused by fraud
  • C. Exclusions limit the scope of coverage, specifying situations that are not covered
  • D. Exclusions are always inapplicable if the insured pays extra for coverage
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

Explanation: Only visible for Actual4Cert members. You can sign-up / login (it's free).

Question #5

Which of the following is a key principle of insurance that ensures that a policyholder is not overcompensated for a loss?

  • A. Insurable interest
  • B. Indemnity
  • C. Utmost good faith
  • D. Subrogation
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

Explanation: Only visible for Actual4Cert members. You can sign-up / login (it's free).

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