CII IF1 case studies
CII IF1 · Put your knowledge to work in context.
IF1 - Insurance, Legal and Regulatory is one of the foundation-level qualifications awarded by the Chartered Insurance Institute (CII), the UK professional body for insurance and financial planning. It sits at the entry point of the CII's insurance qualification ladder and is commonly taken by people who are new to the sector - new joiners in broking, underwriting, claims and customer-facing roles - as well as by experienced staff who need a formal grounding in the legal framework that underpins everyday insurance work. The CII IF1 case studies are 5 cases and about 4,305 words.
1The renewal that was never quite accepted
Harbour Lane Café Ltd runs a 40-cover restaurant. Its broker, Priya, receives the insurer's renewal invitation on 12 February: cover from 1 March at £8,400, 'subject to a satisfactory fire survey being completed before inception'.
837 words, about 4 min2The welding question and the avoided policy
Ridgeway Fabrications Ltd has 40 employees and £6.2m turnover. Its renewal proposal asks: 'Do you or anyone working at your premises carry out hot work (welding, cutting or grinding)?' The managing director ticks 'No'.
903 words, about 5 min3Storm, rainwater and a short circuit
Whitbourne Farm Shop Ltd insures its premises against fire, storm, escape of water and theft, excluding 'loss caused by wear and tear, inherent defect, faulty workmanship or vermin'. In March, gale-force winds strip slates from the ageing roof.
784 words, about 4 min4Rats, water and the 30-day condition
Amelia Brooks insures her home and contents with a household policy. The wording states: 'We do not cover loss or damage caused by or arising from (a) pests, insects or vermin; (b) faulty workmanship; (c) damage to property in the open.' A condition reads: 'You must notify us of any claim within 30 days of the loss occurring.' Rats gnaw through a plastic central-heating pipe beneath the kitchen floor.
847 words, about 4 min5The GAP complaint and the missing demands-and-needs records
Kestrel Insurance Services Ltd is a 12-person general insurance broker. On 3 March Mr Okafor complains in writing that in 2022 he was sold GAP insurance with a car finance agreement; he says he was never told it was optional and paid £399 for cover he now sees advertised at £120.
934 words, about 5 min