CII IF2 case studies
CII IF2 · Put your knowledge to work in context.
IF2, Insurance, Legal and Regulatory, is a Chartered Insurance Institute (CII) qualification unit sitting within the CII's general insurance examination suite. It is aimed at people who need a working command of the legal and regulatory framework that surrounds UK insurance business: new entrants building a professional qualification, brokers and underwriters moving into technical or supervisory roles, claims handlers, and compliance-adjacent staff who must understand why rules exist, not merely what they say. The syllabus is organised around four broad areas: insurance law and regulation fundamentals; contract law and the formation, terms and operation of insurance contracts; the regulation and conduct of insurance business; and the practical application of legal and regulatory obligations in day-to-day work. Candidates should expect multiple-choice testing of precise distinctions - for example between types of authority, categories of term, the effect of non-disclosure and misrepresentation, and the roles of the regulator and the Financial Ombudsman Service. The CII IF2 case studies are 5 cases and about 4,473 words.
1The forgotten escape-of-water claim
Priya, a 42-year-old teacher, arranged buildings and contents cover with Northgate Insurance for her three-bedroom semi-detached house online in March. The proposal asked a clear, specific question: 'Has any insurer declined, cancelled or refused to renew your home insurance in the last five years?' She answered 'No'.
953 words, about 5 min2The overdue fire-suppression certificate
Kelso Engineering Ltd runs a small fabrication workshop. Its commercial combined policy with Halberd Insurance covers property damage and business interruption.
921 words, about 5 min3The loyal customer's renewal price
Marcus, aged 78 and hard of hearing, has held motor insurance with Brentwood Insurance for nine years. His renewal notice quoted £640 and the policy auto-renewed on 1 February.
829 words, about 4 min4Two policies, one fire and a signed waiver
Harlow Retail Ltd owns a shop and insures its stock under two separate policies, each containing a rateable proportion clause. Policy A with Alpha Insurance has a sum insured of £300,000.
816 words, about 4 min5The vintage watch that never existed
Daniel's home contents policy with Fernhill Insurance covers theft. After a break-in he submitted a claim for £9,500.
954 words, about 5 min