CII IF8 case studies

CII IF8 · Put your knowledge to work in context.

IF8 is a Chartered Insurance Institute (CII) insurance qualification, and this page is an independent study guide for candidates preparing for it. It is written for people building or formalising a career in general insurance - new entrants working toward a first CII qualification, claims handlers, underwriters, brokers and advisers who need a structured grounding in insurance principles and practice, and experienced practitioners returning to study. The CII IF8 case studies are 5 cases and about 3,669 words.

Café chain renewal: fair presentation and the Insurance Act 2015

Northgate Coffee Co runs four cafés in Bristol. Its commercial combined policy (material damage, business interruption, public liability) renews on 1 March with a £1,000,000 sum insured and a £250 policy excess.

687 words, about 3 min 2

Escape of water, nine months of delay and a disputed exclusion

Mrs Achebe owns a leasehold flat insured under a standard home buildings and contents policy with a £150 excess. On 12 January a pipe under the bathroom floor fails and water brings down her kitchen ceiling and damages the flat below.

699 words, about 3 min 3

Courier work on a private car policy: the consumer remedy and the injured cyclist

Daniel holds a private car policy on his Ford Fiesta. The certificate and policy describe the permitted use as 'social, domestic and pleasure purposes and travel to and from a single permanent place of work'.

709 words, about 4 min 4

Home emergency add-on: fair value and distribution under the Consumer Duty

Penhurst Insurance Brokers arranges home policies for 60,000 customers and adds its own 'Home Emergency' cover to every household policy unless the customer ticks a box to remove it. For £96 a year the customer gets a 24-hour helpline and up to £500 per claim for plumbing, heating and electrical emergencies.

652 words, about 3 min 5

Warehouse fire: average, the missing survey and a subrogation waiver

Ravensworth Foods Ltd insures its warehouse under a commercial property policy with a buildings sum insured of £1,200,000, a £10,000 excess and an 85% average condition: 'If at the time of loss the sum insured is less than 85% of the value at risk, the amount payable shall be reduced in the proportion that the sum insured bears to 85% of that value.' The excess is deducted from the loss before average is applied. Cover is on an indemnity basis.

922 words, about 5 min