CII IF9 study guide
CII IF9 · Work through your exam, one topic at a time.
IF9, Insurance Legal and Regulatory Framework, is a multiple-choice unit of the Chartered Insurance Institute's qualifications framework. It is aimed at people working in or around UK general insurance who need a working command of the legal scaffolding behind the products they sell, underwrite, handle or advise on: how English law is made and applied, how contracts are formed and remedied, how agency works, the special rules of insurance contract law, and the statutory and regulatory layer that sits over all of it. The CII IF9 study guide has 9 sections and about 4,297 words.
01The Legal System and Sources of Law in the UK
This domain tests how law is made, ranked and applied in the UK, and the procedural rules - above all limitation - that decide whether an insurance dispute can be litigated at all. Questions typically ask you to name the source of a rule, apply precedent, or spot that a claim is time-barred.
496 words, about 2 min02Contract Law: Formation, Terms, Breach and Remedies
This domain tests whether a binding contract exists, what its terms are, and what a court will award when one party fails to perform. Insurance questions lean on these rules whenever cover is disputed, a proposal form is misstated, or a clause excludes liability.
489 words, about 2 min03Agency Law and the Role of Intermediaries
This domain tests how an intermediary binds a principal and when a principal is fixed with the agent's acts or knowledge. In insurance the analysis is decisive: the broker is usually the insured's agent, while a coverholder, MGA or tied agent acts for the insurer, and that distinction determines whose knowledge counts and whose negligence matters.
530 words, about 3 min04The Insurance Contract: Principles of Insurance Law
This domain tests the principles that distinguish insurance from ordinary contract: insurable interest, indemnity, subrogation, contribution, proximate cause, and the disclosure and warranty rules governing the risk. Expect calculation questions on proportionate remedies and average, and definitional questions on each principle.
513 words, about 3 min05FSMA and the UK Regulatory Architecture
This domain tests the statutory framework - FSMA 2000 as amended by the Financial Services Act 2012 and the Financial Services and Markets Act 2023 - and how the FCA, PRA and the wider regulatory family divide responsibilities. Expect questions on the general prohibition, the regulators' objectives, and the statutory bodies that sit around them.
487 words, about 2 min06FCA and PRA Regulation: Authorisation, Supervision and Enforcement
This domain tests the regulatory lifecycle: how a firm obtains permission, how it is supervised, and what happens when it falls short. Questions often distinguish supervisory tools from enforcement powers, and ask who decides and who can challenge a decision.
440 words, about 2 min07Conduct of Business Rules and Consumer Protection
This domain tests how firms must treat customers when designing, selling and administering insurance. Expect questions on the FCA Principles, ICOBS, the fair treatment of customers outcomes, the Consumer Duty, financial promotions and product governance.
406 words, about 2 min08Data Protection, Money Laundering and Financial Crime
This domain tests the compliance obligations that sit alongside insurance regulation: handling personal data lawfully, and preventing the insurance sector being used to launder money, finance terrorism, bribe officials or facilitate tax evasion. The UK GDPR and Data Protection Act 2018 apply.
453 words, about 2 min09Complaints, Dispute Resolution and the Financial Ombudsman Service
This domain tests how firms must handle complaints internally, when a customer can escalate to the Financial Ombudsman Service, and what the FOS can award. Expect timeline calculations, questions on jurisdiction and questions on the status of an ombudsman's decision.
483 words, about 2 min