CII IF4 case studies

CII IF4 · Put your knowledge to work in context.

IF4, Insurance Claims Handling Process, is a CII unit whose published page could not be retrieved at the time of writing, so this introduction describes only what can be verified: the unit exists within the Chartered Insurance Institute's qualifications framework and is named for the claims handling process. Candidates typically encounter it as a single-unit subject taken alongside or after the core technical and legal units, and it suits claims technicians, brokers' claims staff, underwriters wanting claims insight, and anyone moving into handling or supervising notifications, coverage assessment, reserving, and settlement. The CII IF4 case studies are 5 cases and about 4,597 words.

The 85% average condition, late notification and unreinstated rebuilding

Meridian Retail Ltd insures its hardware shop under a commercial combined policy: buildings sum insured £500,000, stock £80,000. The policy contains an 85% average condition, a reinstatement memorandum requiring rebuilding works to be completed within 12 months, and a condition precedent requiring notification within 30 days of the loss.

944 words, about 5 min 2

Young driver, hidden conviction and a staged-accident smell on a fleet policy

Harrowfield Logistics runs 40 vans under a fleet motor policy. The insurer's proposal required every driver to be aged 25 or over and to have held a full licence for two years; the schedule records 'named drivers only', although the broker's file shows it told the insurer drivers would be 'any employee'.

1,000 words, about 5 min 3

A monitored paving slab, claims aggregation and a retention inclusive of defence costs

Northgate Garden Centres holds public liability cover with a limit of indemnity of £2m any one occurrence, a self-insured retention of £25,000 each and every claim inclusive of defence costs, and a claims series provision treating all claims arising from one defect as one occurrence. On 8 March 2025 Mrs Okafor, 61, tripped over a raised paving slab in the car park, fracturing her wrist and chipping two teeth.

897 words, about 4 min 4

A burglary claim with a pre-sold laptop, an altered receipt and a spent conviction

On 4 November 2025 Mrs Patel reported a burglary at her home, claiming £28,400: jewellery £14,000, a laptop £2,200, a television £1,800, and £3,000 of clothing and cash (the policy excludes cash above £500). There was no forced entry; she says she left the back door unlocked while putting the bins out.

880 words, about 4 min 5

A waiver of subrogation, a limited subcontractor and late facultative notification

Fire on 12 April 2025 destroyed a distribution warehouse at Tilbury insured by Caldecott Foods under a property policy with a £4m limit and a £50,000 excess. Caldecott had engaged Brendon Construction to refurbish an adjoining unit under a JCT minor works contract containing a waiver of subrogation in favour of the employer and a net contribution clause.

876 words, about 4 min