CII I11 case studies
CII I11 · Put your knowledge to work in context.
The CII Award in Insurance, Legal and Regulatory (I11) is a single-unit qualification from the Chartered Insurance Institute covering the legal foundations of insurance in the UK. It suits new entrants building a first technical credit, claims and underwriting staff who need to reason about legal principles, and experienced practitioners returning to study or working toward the Certificate or Diploma in Insurance. The CII I11 case studies are 5 cases and about 4,316 words.
1Solvent storage and the burnt warehouse
Precision Coatings Ltd, a commercial paint contractor with £3.2m turnover, renews its commercial combined policy through a broker. The proposal form asks: 'Do you store flammable liquids or solvents on site?' The broker, who completes the form during a 20-minute call, ticks 'No'.
919 words, about 5 min2Friday binding and the missing survey
At 16:50 on Friday, the owner of a family restaurant, Marco's Kitchen, calls his broker because his property policy expires at midnight. The broker emails the underwriter, who replies at 17:20: 'We can offer terms subject to a satisfactory fire survey; cover does not incept until the survey is completed and noted.' The broker does not read the email fully and tells the client: 'You're covered, I'll sort the survey Monday.' The client signs a proposal and pays a £2,000 deposit by card.
856 words, about 4 min3Storage bailee and the double indemnity
SwiftMove Removals Ltd stores customers' household goods while they move house. Its commercial policy includes 'goods held in trust or on commission' up to £250,000, subject to a 90% average clause.
806 words, about 4 min4Coverholder outside delegated authority
NorthBridge Coverholder Ltd holds a Lloyd's binding authority for marine cargo risks up to £5m per vessel, but the agreement requires referral to the syndicate for any shipment containing lithium-ion batteries. A freight forwarder, OceanLink, asks NorthBridge to cover a £3.2m consignment of lithium batteries from Shanghai to Felixstowe.
856 words, about 4 min5Dementia, delay and the storm claim
Mrs Ada Lewis, 78, has a home insurance policy with a 30-day notification condition. In January a storm lifts roof tiles and water enters the loft, damaging ceilings.
879 words, about 4 min