CIIN Certificate CF5 case studies
CIIN Certificate CF5 · Put your knowledge to work in context.
The CIIN Certificate CF5 is an early-stage professional award from the Chartered Insurance Institute of Nigeria, aimed at people building a foundation in insurance practice - new entrants to insurers, brokers and agencies, staff in banks or corporates who touch insurance, and graduates preparing for higher-level CIIN examinations. It is a knowledge-building step rather than a licence, and holding it does not by itself authorise regulated activity. The CIIN Certificate CF5 case studies are 5 cases and about 2,449 words.
1The Overlooked Exclusion in a Home Extension
Priya owns a semi-detached house insured under a standard buildings and contents policy. In March she had a two-storey rear extension built, increasing the floor area by about 30%, and the build cost was £95,000.
623 words, about 3 min2A Terminal Diagnosis and a Group Life Scheme
Daniel, aged 47, is a member of his employer's group life scheme (death in service, 4× salary, £180,000 sum assured) and also holds a personal term assurance policy for £150,000 taken out eight years ago. In January he was diagnosed with a terminal illness with a life expectancy of under 12 months.
537 words, about 3 min3A Fire Claim and the Principle of Indemnity
A bakery's commercial combined policy covers buildings (£400,000 sum insured) and contents/stock (£120,000). In June a fire destroyed the shop fit-out and stock.
439 words, about 2 min4A Liability Claim and the Duty to Defend
A small building contractor holds a public liability policy (£2m limit) and a contractors' all risks (CAR) policy. A customer, Mrs Okafor, claims £45,000 for damage to her driveway and for personal injury after a delivery van reversed into her.
445 words, about 2 min5Underwriting a High-Risk Commercial Risk
A new nightclub applies for commercial combined cover: buildings £1.2m, contents £300,000, public liability £5m, employers' liability £10m. The risk has: capacity 600 people, open until 3am, seven nights a week; a history of two fire-related incidents in the last five years (one kitchen fire, one electrical fault); no sprinkler system, but a monitored alarm and emergency lighting; a previous insurer declined to renew after a serious assault claim; the owner has 15 years' experience and has introduced door staff, CCTV and a drugs policy.
405 words, about 2 min