Free CII Household Insurance Products (IF6) Practice Questions

Sample Practice Questions

Try these 10 sample questions from the CII Household Insurance Products (IF6) practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

1. 1Which item falls within buildings, rather than contents, under the quoted Aviva home wording?

   1. A.A freestanding dining table
   2. B.A portable bedroom television
   3. C.A fitted domestic heating tankCorrect answer: C
   4. D.A movable office chair

   Explanation: The wording includes "fixed domestic heating, water or sewage tanks, fixed pipes" within buildings. The fixed heating tank meets that definition; the movable household items do not.

   Reference: Aviva Online and Aviva Premium Home Insurance Policy Booklet — p. 4, Buildings

2. 2A storm damages only the garden fence. The home itself is undamaged. Under the illustrated Aviva buildings exclusions, how should the fence damage be treated?

   1. A.Covered as storm damage to any boundary
   2. B.Covered only if the fence was newly built
   3. C.Excluded by the specific storm-fence restrictionCorrect answer: C
   4. D.Covered as damage to household contents

   Explanation: The exclusion identifies "Damage to fences, gates and hedges caused by storm, or by falling trees or branches." A new fence is not an exception, and a boundary fence does not become contents.

   Reference: Aviva Online and Aviva Premium Home Insurance Policy Booklet — p. 13, Buildings section, exclusions

3. 3Under the Consumer Rights Act 2015, what is the basic effect of an unfair consumer-contract term?

   1. A.It becomes binding after the first premium is paid
   2. B.It is not binding on the consumerCorrect answer: B
   3. C.It automatically cancels the entire contract
   4. D.It applies only if the insurer has used it before

   Explanation: Section62 says "An unfair term of a consumer contract is not binding on the consumer." That is the term's effect; it does not automatically void the whole policy.

   Reference: Consumer Rights Act 2015 — s. 62(1)

4. 4A householder invites a young child into the garden. When assessing precautions against a premises danger, which point follows from the 1957 Occupiers' Liability Act?

   1. A.The child must meet the same care standard as an adult
   2. B.The occupier must allow for children being less carefulCorrect answer: B
   3. C.The parent automatically assumes every premises duty
   4. D.The child has no visitor protection until adulthood

   Explanation: The Act says "an occupier must be prepared for children to be less careful than adults;". Precautions must account for that characteristic, without treating every accident as automatic liability.

   Reference: Occupiers' Liability Act 1957 — s. 2(3)(a)

5. 5What does pooling of household premiums enable an insurer to do?

   1. A.Keep each customer's premium exclusively for that customer's claim
   2. B.Pay covered claims from a fund contributed to by policyholdersCorrect answer: B
   3. C.Return all premiums whenever an individual has no claim
   4. D.Avoid paying any claim exceeding one customer's annual premium

   Explanation: Aviva explains "Every customer pays into a central pot, and if you make a claim we pay it out of that pot." Pooling finances covered losses collectively; it is not an individual savings account.

   Reference: Aviva Your Home Insurance Price Explained — How do we work out the cost of your home insurance?

6. 6A consumer knowingly gives a false security answer and knows the fact matters to the insurer. The answer induces different terms. How does CIDRA classify this qualifying misrepresentation?

   1. A.Careless because a premium was nevertheless paid
   2. B.Innocent because the policy was issued
   3. C.Deliberate or recklessCorrect answer: C
   4. D.Automatically outside CIDRA because it concerns security

   Explanation: The deliberate/reckless test includes a consumer who "knew that it was untrue or misleading, or did not care whether or not it was untrue or misleading, and" knew or did not care about its relevance to the insurer. Both elements are supplied; payment does not make it careless.

   Reference: Consumer Insurance (Disclosure and Representations) Act 2012 — s. 5(2)(a)–(b)

7. 7Who must substantiate a claimed household loss under the illustrated claims condition?

   1. A.The insurer must accept the claimed value without evidence
   2. B.The insured must prove the loss with relevant supporting evidenceCorrect answer: B
   3. C.Only the seller of the original household item can prove it
   4. D.Only the police can establish the value of insured belongings

   Explanation: The policy states "It is your responsibility to prove any loss" and may request receipts, valuations, photographs and other relevant material. A claim need not be supported only by one exclusive kind of document, but the loss must be substantiated.

   Reference: Aviva Online and Aviva Premium Home Insurance Policy Booklet — p. 7, Claims, To help us settle your claim

8. 8An accepted household contents claim has a covered loss of £1,500 and a £250 excess. No other deduction or limit applies. How much does the insurer pay?

   1. A.£1,000
   2. B.£1,250Correct answer: B
   3. C.£1,500
   4. D.£1,750

   Explanation: The excess is "The amount you will have to pay towards each separate claim." Payment is £1,500−£250=£1,250. £1,000 deducts the excess twice; £1,500 ignores it; £1,750 adds rather than deducts it.

   Reference: Aviva Online and Aviva Premium Home Insurance Policy Booklet — p. 4, Excess

9. 9What does a contents policy's cover for property the insured is legally responsible for mean in the quoted Aviva definition?

   1. A.Only items purchased outright qualify
   2. B.Responsibility can qualify without ownershipCorrect answer: B
   3. C.A landlord's property automatically qualifies
   4. D.Business trading stock always qualifies

   Explanation: The definition says "you own, or are legally responsible for (but not property belonging to your landlord)". Legal responsibility is an alternative to ownership, subject to the stated exclusions; it does not include all landlord property or trading stock.

   Reference: Aviva Online and Aviva Premium Home Insurance Policy Booklet — p. 4, Contents

10. 10Emergency services force entry to reach an injured resident, damaging the insured door. Under the Aviva emergency-access benefit, what excess applies to that damage?

    1. A.No excess under this benefitCorrect answer: A
    2. B.The standard theft excess applies
    3. C.The subsidence excess applies
    4. D.The accidental-damage excess doubles

    Explanation: The benefit covers damage "by someone accessing your home to deal with a medical emergency, or to prevent damage to the home. There’s no excess to pay." The medical emergency meets this trigger; the ordinary theft or subsidence excess is not applicable.

    Reference: Aviva Online and Aviva Premium Home Insurance Policy Booklet — p. 12, Emergency access