BIA Non-Life Insurance Diploma study plan

Explain how risk pooling, insurable interest and indemnity underpin non-life cover, writing a one-page summary in your own words

Distinguish the main non-life classes (property, liability, motor, personal lines) and name the buyer and typical claim for each

Map the underwriting cycle stages and identify three factors that soften or harden the market

Apply a basic risk assessment to two sample risks, listing hazard, peril and exposure separately

Define the roles of broker, agent, underwriter and claims handler in a distribution flow diagram

Describe the underwriting process from submission to acceptance, noting the information an underwriter needs

Identify the main policy sections (recitals, insuring clause, exclusions, conditions) and explain the function of each

Interpret three common conditions, such as average, subrogation and claims notification, using worked examples

Explain how deductibles, limits and basis of valuation change the cover a policy provides

Draft a short set of underwriting questions for a commercial property risk

Explain the difference between reinstatement, indemnity value and agreed value in property cover

Calculate a business interruption gross profit sum insured and explain the indemnity period

Identify typical property perils and exclusions, including flood, subsidence and wear and tear

Apply average to a worked underinsured claim and explain the effect on the settlement

Describe how a business interruption claim is measured from loss of turnover to increased cost of working

Distinguish public liability, products liability and employers liability cover and their trigger points

Explain the legal principles of negligence, duty of care and causation in a liability context

Outline the regulatory framework and the role of the regulator in licensing, capital and conduct

Explain the duty of disclosure and the consequences of misrepresentation and non-disclosure

Identify the main market conduct rules on fair treatment of customers and complaints handling

Explain compulsory motor cover, its scope and the main optional extensions

Describe how personal lines products such as household and travel cover are structured and rated

Compare the liability exposures of a motor fleet with those of a single private vehicle

Explain how claims history, no-claims discounts and risk factors affect motor premiums

Identify common fraud indicators in personal lines claims

Explain the purpose of reinsurance and distinguish proportional from non-proportional treaties

Describe how facultative and treaty arrangements differ in placement and administration

Explain how reserves are set for known and incurred but not reported claims

Describe the main solvency measures and why capital adequacy matters to policyholders

Explain how reinsurance affects an insurer's net retention and capital requirements

Outline the claims handling lifecycle from notification to settlement and identify the evidence needed at each stage

Explain the indicators of fraudulent claims and the controls used to detect and deter them

Apply the ethical principles of integrity, competence and fair dealing to two case scenarios

Describe how conflicts of interest and confidentiality obligations arise in practice

Explain the role of professional standards and continuing development in maintaining competence

Consolidate all domains by producing a one-page summary of each, linking key concepts

Complete two full-length practice papers under timed conditions

Review every incorrect answer and record the underlying concept gap

Revisit the weakest three domains and re-test them with targeted questions