CIIN Certificate CF3 case studies
CIIN Certificate CF3 · Put your knowledge to work in context.
The CIIN Certificate CF3 is an introductory-level professional certificate awarded within the Chartered Insurance Institute of Nigeria's examination framework. It is aimed at people entering or working in Nigerian insurance - new employees in insurers, brokers and agencies, reinsurance and claims support staff, and graduates or career-changers building a foundation before progressing to higher-level CIIN papers. The CIIN Certificate CF3 case studies are 5 cases and about 2,789 words.
1The Material Non-Disclosure on a Retail Shop Fire Claim
Priya owns a small hardware shop insured under a commercial fire policy with a sum insured of £180,000. When she completed the proposal form 14 months ago, the question asked: 'Have you or any business you have managed suffered a fire loss in the last five years?' She answered 'No'.
598 words, about 3 min2The Underwriter's Dilemma: A High-Risk Commercial Fleet
A logistics company with 42 heavy goods vehicles applies for a motor fleet policy. Its loss ratio over the last three years is 118%, driven by four large claims: two rear-end collisions attributed to driver fatigue, one theft of a loaded trailer from an unsecured yard, and one major engine fire.
533 words, about 3 min3The Delayed Storm Claim and the Limitation Question
A homeowner, Mr Adeyemi, suffered storm damage to his roof in February 2019. He notified his insurer promptly and an adjuster inspected in March 2019.
528 words, about 3 min4Group Life and the 'At Work' Condition
An employer operates a group life scheme providing a lump sum of four times salary on death in service. The policy contains an 'actively at work' condition: cover does not commence for a new member until they are actively at work on the first day of membership.
574 words, about 3 min5The Broker's Conflict: Commission Disclosure and Suitability
A broker, Harlow Insurance Services, advises a family-owned manufacturing business on its commercial combined policy. The broker recommends a policy from Insurer A that pays a 28% commission , while a comparable policy from Insurer B pays 15% and has a slightly broader wording including business interruption with a 24-month indemnity period .
556 words, about 3 min