CII I11 study guide
CII I11 · Work through your exam, one topic at a time.
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 study guide has 9 sections and about 3,308 words.
01The legal system and sources of law
The legal system and sources of law domain tests how UK law is made, ranked and applied in insurance disputes. You must identify the binding source, place it in the court hierarchy and explain why a precedent does or does not apply.
402 words, about 2 min02Contract law and the essentials of a valid contract
Contract law and the essentials of a valid contract tests whether an insurance policy is enforceable and what each party has promised. You must separate an offer from an invitation to treat and show how consideration and intention operate in insurance.
385 words, about 2 min03Insurance contract law: formation, terms and conditions
Insurance contract law: formation, terms and conditions tests how cover is created and how policy terms operate at claim time. The exam focuses on warranties, conditions precedent and the Insurance Act 2015.
365 words, about 2 min04Utmost good faith, disclosure and representations
Utmost good faith, disclosure and representations tests the duty to present a risk fairly and the remedies for a qualifying misrepresentation. The exam distinguishes commercial insurance under the Insurance Act 2015 from consumer insurance under the Consumer Insurance (Disclosure and Representations) Act 2012.
350 words, about 2 min05Insurable interest and indemnity
Insurable interest and indemnity tests who may insure and how much they can recover. The exam expects you to apply the principle that insurance restores the insured to the pre-loss financial position and does not create profit.
388 words, about 2 min06Agency law and the role of intermediaries
Agency law and the role of intermediaries tests who can bind an insurer or insured and what duties an intermediary owes. The exam focuses on authority, disclosure and the broker's position in the distribution chain.
353 words, about 2 min07Tort law and negligence liability
Tort law and negligence liability tests whether an insurance professional or another party owes a duty of care and whether breach caused the loss. The exam applies the four elements of negligence to insurance distribution and claims handling.
363 words, about 2 min08The regulatory framework and the FCA/PRA
The regulatory framework and the FCA/PRA tests the statutory architecture of UK financial regulation and how insurers and intermediaries are authorised and supervised. The exam expects the twin-peaks model and the main statutory objectives.
342 words, about 2 min09Conduct of business rules and consumer protection
Conduct of business rules and consumer protection tests how firms must treat customers throughout the product lifecycle. The exam focuses on the FCA Handbook, ICOBS, the Consumer Duty and complaints routes.
360 words, about 2 min