CII Insurance Law Examination (E05) — Information & Free Practice

About CII Insurance Law Examination (E05)

CII Insurance Law Examination (E05) · GB

Key exam facts

Provider

The Chartered Insurance Institute (CII), examination owner and assessment body.

Format

Computer-delivered at test centres or by remote invigilation; 40 standard four-option single-answer MCQs and 10 multiple-response questions. M05 coursework is a separate component.

Exam questions

Total questions: 50.

Time limit

60 minutes of examination time; separate booking/tutorial procedures are not included.

Passing score

Standard exam pass mark: 65%. CII adjusts MCQ marks for exam-version difficulty; this is not an invariant raw-score threshold. The separate coursework pass mark is 60%.

Exam fee

M05 enrolment package displayed in GBP: £518 members, £644 non-members (digital option); includes study materials, coursework and first exam entry. Only first exam entry is included; additional print/postage or resit charges are separate.

Topics covered

• Understand the nature and sources of English law and the concept of natural legal persons. (10%)

  • Describe the classifications and characteristics of English law.
  • Describe the sources of English law.
  • Describe the professions involved within English law.
  • Describe the structures and procedures of the courts.
  • Describe the status and capacity of natural legal persons and corporations.
  • Apply the nature and sources of English law and the concept of natural legal persons to practical situations.

• Understand the principles of the law of torts and the characteristics of the main torts. (8%)

  • Describe the nature and classification of torts.
  • Explain the main torts.
  • Explain how the law of torts apply to employers’ liability, products liability and occupiers’ liability.
  • Explain the main defences, remedies and limitations of actions in tort.
  • Apply the law of tort to practical situations.

• Understand the law of contract. (8%)

  • Explain the nature of contractual liability and classification of contracts.
  • Explain the formation of a contract.
  • Explain how contract terms are classified under the general law.
  • Explain defective contracts.
  • Explain the circumstances in which a contract may be discharged.
  • Explain the remedies for breach of contract.
  • Explain the doctrine of privity of contract.
  • Explain the assignment of contractual rights and duties and how it applies to insurance.
  • Apply the law of contract to practical situations.

• Understand the law of agency and its application to insurance. (8%)

  • Explain the nature of agency and how an agency relationship can be created.
  • Explain the nature of an agent’s rights, responsibilities, authority and duties.
  • Explain the termination of agency and its effects.
  • Explain how the principles of agency law apply to insurance and practical situations.

• Understand the main principles governing the formation of insurance contracts. (18%)

  • Explain how the principles of contract law apply to the formation of insurance contracts.
  • Explain the concept and key elements of insurable interest.
  • Explain how the law of insurable interest applies to the main classes of insurance.
  • Explain the duty of fair presentation in non-consumer insurance and the effect of a breach.
  • Explain the duty to take reasonable care not to make a misrepresentation in consumer insurance and the effects of a breach.
  • Apply the main principles governing the formation of insurance contracts to practical situations.

• Understand the classification and interpretation of insurance contract terms, the effects of their breach and other vitiating factors. (16%)

  • Explain the classification, formation and interpretation of insurance contract terms.
  • Explain the effect of breach of warranty or condition and how illegality arises in insurance contracts.
  • Apply the classification and interpretation of insurance contract terms to practical situations.

• Understand the main legal principles governing the making of an insurance claim. (12%)

  • Describe the parties who can claim on or benefit from an insurance contract.
  • Explain the rules governing notice and proof of loss.
  • Explain the insured’s contractual duty to mitigate or prevent an insured loss.
  • Explain the doctrine of proximate cause.
  • Explain the investigation of fraudulent claims and the remedies available to the insurer.
  • Apply the main legal principles governing the making of an insurance claim to practical situations.

• Understand how losses are measured and how the principle of indemnity applies to insurance claims. (8%)

  • Explain the principle of indemnity.
  • Explain the measure of indemnity in various classes of insurance.
  • Explain the factors which limit, reduce, extend or modify the principle of indemnity.
  • Explain the methods of providing indemnity.
  • Explain the doctrine of salvage and abandonment.
  • Explain the effect of claim payments on policy cover.
  • Apply how losses are measured and the principle of indemnity to practical situations.

• Understand how the principles of subrogation and contribution apply to insurance claims. (12%)

  • Explain the doctrine of subrogation in insurance.
  • Explain the source of subrogation rights and apply the law to practical situations.
  • Explain how subrogation rights may be modified or denied and apply the law to practical situations.
  • Explain the effect of market agreements on rights of contribution.
  • Explain the nature of double insurance and operation of contribution.
  • Apply the principle of contribution to the main lines of insurance and to practical situations.

How to prepare

Work through the topics, read the explanation after each answer, and revisit the areas where you miss questions. Use the official outline and reference materials below to guide your study.

These independent practice questions are not actual exam items and do not guarantee a passing result.

Frequently asked questions

Official sources and references

• Insurance law syllabus 2026/2027

  p. 1

• Insurance law syllabus 2026/2027

  p. 1, Summary of learning outcomes

• Insurance law syllabus 2026/2027

  p. 2, Important notes, syllabus examination start

• Insurance law syllabus 2026/2027

  p. 2, Important notes, syllabus examination end

• E05 Examination Guide 2026/2027

  p. 5

• Insurance Law (M05)

  Assessment

• Insurance Law (M05) enrolment

  Product purchase options

• E05 Examination Guide 2026/2027

  p. 2

• E05 Examination Guide 2026/2027

  p. 6

• Understanding your exam result

  p. 1, Awarding process – MCQ exams

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