CII I11 study plan

Map the six essentials of a valid contract (offer, acceptance, consideration, intention to create legal relations, capacity, legality) and write a one-line definition of each from memory

Distinguish offer from invitation to treat using three everyday examples (shop display, advertisement, auction) and explain the legal consequence of each

Explain how the court hierarchy (Supreme Court, Court of Appeal, High Court, lower courts) and the doctrine of precedent operate, and identify which courts bind which

Outline the difference between statute, common law, equity and delegated legislation, and note where insurance regulation sits

Trace how an insurance contract is formed (proposal, acceptance, consideration in the premium and the promise to pay claims) and note when cover begins

Classify contract terms as conditions, warranties and innominate terms, and state the remedy available for breach of each

Explain the effect of the Unfair Contract Terms Act 1977 and the Consumer Rights Act 2015 on exclusion clauses in insurance and consumer contracts

Describe how express terms, implied terms and incorporated terms (by signature, notice or course of dealing) enter an insurance contract

Explain the role of the proposal form, the policy schedule and the policy wording, and how a conflict between them is resolved

Define the principle of contra proferentem and explain when a court will interpret ambiguity against the insurer

Explain the duty of utmost good faith and how the Insurance Act 2015 replaced the old duty of disclosure with a duty of fair presentation for commercial insureds

Distinguish a representation of fact from a representation of expectation and state the remedies for misrepresentation under the Misrepresentation Act 1967

Apply the proportionate remedies under the Insurance Act 2015 (proportionate reduction, terms not applicable, avoidance) to three worked scenarios

Explain the difference between fraudulent, negligent and innocent non-disclosure and the remedy for each

Describe the Consumer Insurance (Disclosure and Representations) Act 2012 rules for consumer insureds and what the insurer must do when a question is left unanswered

Define insurable interest for life, property and liability insurance and explain when it must exist (at inception, at loss, or both)

Explain the indemnity principle and how it is modified by reinstatement, new-for-old, average, sum insured and valued policies

Distinguish indemnity from benefit policies and explain why life and personal accident cover are not contracts of indemnity

Explain subrogation and contribution and state the conditions required for each to operate

Describe how the doctrine of proximate cause is used to decide which of two competing perils caused a loss

Distinguish the three ways an agent can be created (express, implied, ratification) and explain the authority of each type

Explain the duties an agent owes the principal (obey instructions, act personally, account, disclose conflicts) and the principal's duties to the agent

Describe the role of the broker as agent of the insured and the insurer as principal, and explain how commission and conflicts of interest arise

State the elements of negligence (duty of care, breach, causation, remoteness) and apply the Caparo test to a professional negligence scenario

Explain the tort of negligent misstatement and how it applies to brokers and advisers giving inaccurate advice

Explain the statutory objectives of the FCA and PRA and describe the three operational objectives of the FCA (consumer protection, integrity, competition)

Describe the threshold conditions, the senior managers and certification regime, and the approved persons requirements for insurance intermediaries

Explain the FCA's Principles for Businesses and how the Consumer Duty (fair value, products and services, consumer understanding, consumer support) applies to insurers and brokers

Describe the complaints handling rules (acknowledgement, eight-week final response, referral to the Financial Ombudsman Service) and the Financial Services Compensation Scheme limits for insurance

Explain the role of the PRA for prudential regulation and how the two-regulator model divides responsibilities

Explain the conduct rules on financial promotions (fair, clear and not misleading) and the requirement for clear, fair and not misleading communications

Describe the rules on product disclosure, the key facts document and the demands-and-needs process for consumer insurance

Explain how the duty of fair presentation interacts with the Consumer Duty in the sales process

Apply the vulnerable customer guidance to a sales scenario and identify the adjustments required

Describe the rules on handling client money and the separation of client and insurer funds for intermediaries

Complete two full timed mock exams under exam conditions and record the score for each domain

Re-read notes for the two weakest domains identified by the mock scores and write a one-page summary of each

Recite the key statutes (Insurance Act 2015, CIDRA 2012, Misrepresentation Act 1967, FSMA 2000) and the principle each establishes

Practice ten short-answer questions on definitions (insurable interest, indemnity, subrogation, utmost good faith) and check them against the syllabus

Build a final one-page revision sheet of dates, statutes and remedies to review in the 48 hours before the exam