CIIN Certificate CF2 case studies
CIIN Certificate CF2 · Put your knowledge to work in context.
The CIIN Certificate CF2 is an early-stage professional paper set by the Chartered Insurance Institute of Nigeria. It sits within the institute's certificate-level progression and is designed for people building a formal foundation in insurance practice - new entrants to insurance companies and brokerages, agency and bancassurance staff, claims and underwriting juniors, and graduates or career-changers who intend to pursue the fuller CIIN qualification later. The CIIN Certificate CF2 case studies are 5 cases and about 4,477 words.
1The Warehouse, the Thinner and the Unasked Question
Chief Adeyemi insures his Lagos warehouse under a fire policy with a sum insured of ₦90 million. The proposal form asks: 'Are any flammable liquids or hazardous goods stored on the premises?' He ticks 'No'.
953 words, about 5 min2The Expired Licence and the Injured Pedestrian
Danladi Transport Ltd insures a 12-vehicle fleet comprehensively. Condition 4 provides: 'The Company shall not be liable for any loss, damage or liability while the vehicle is being driven by any person who is not the holder of a valid driving licence to drive the class of vehicle.' On 14 March one of the drivers, Musa, whose licence expired on 21 February and was renewed on 20 March, causes a collision.
900 words, about 5 min3The Late Notification and the Ex Gratia Settlement
A Nigerian insurer writes a property risk with a sum insured of ₦200 million and cedes 60% of the surplus above a ₦20 million retention to a facultative reinsurer. The facultative slip contains a clause: 'Notification of any claim likely to exceed 50% of the retention shall be given within 7 days, such notification being a condition precedent to liability.' A fire occurs in August.
839 words, about 4 min4The Undisclosed Hypertension and the Agent's Pen
Mr Okafor, aged 42, takes out a 20-year endowment assurance policy with a sum assured of ₦25 million. The proposal form asks: 'Have you ever suffered from high blood pressure, heart disease, diabetes or any disorder of the circulatory system?' and 'Do you smoke?' Both answers are recorded as 'No'.
885 words, about 4 min5The Broker's Three Requests
Kunle is a broker chasing a 40-vehicle fleet account worth ₦18 million in premium. He asks the underwriter, Tolu, for three things: (1) backdate the policy by 10 days so that an accident on 3 June, which occurred before the proposed inception of 13 June, falls within cover; (2) pay 30% of his brokerage to the client's fleet manager 'as a thank-you'; (3) leave two vehicles off the schedule to keep the premium below the client's budget, with a promise to 'add them later if there is a claim'.
900 words, about 5 min