Free CII Motor insurance products (IF5) Practice Questions

Sample Practice Questions

Try these 10 sample questions from the CII Motor insurance products (IF5) practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

1. 1What is Lloyd’s role in the insurance market?

   1. A.A marketplace bringing together insurance risk takersCorrect answer: A
   2. B.A licensing authority for vehicle keepers
   3. C.A compensation scheme for failed insurers
   4. D.A regulator setting consumer conduct rules

   Explanation: Lloyd’s insurance marketplace states: "Lloyd’s is the only insurance marketplace of its kind in the world." Lloyd’s organises a market for risk takers. Licensing, insolvency compensation and conduct regulation belong to different bodies.

   Reference: Lloyd’s insurance marketplace — About Lloyd’s

2. 2A customer asks Aviva UK Digital to compare its car policy with every insurer’s products. Under its disclosed product scope, what should the customer expect?

   1. A.A comparison of all UK insurers
   2. B.A recommendation from an independent whole-market panel
   3. C.A comparison restricted to Lloyd’s syndicates
   4. D.Information from its stated insurer range, rather than the whole marketCorrect answer: D

   Explanation: Aviva About our insurance services states: "We are only able to offer information on insurance products from Aviva Insurance Limited apart from Breakdown" Its disclosed range is restricted. The customer cannot infer a whole-market comparison from the existence of an intermediary.

   Reference: Aviva About our insurance services — p. 1, Whose products do we offer?

3. 3Which loss is included in Aviva’s description of comprehensive cover beyond fire and theft?

   1. A.Routine servicing costs
   2. B.Accidental damage to the insured carCorrect answer: B
   3. C.Loss of resale value after repair
   4. D.Replacement of worn-out components

   Explanation: Aviva Signature car insurance states: "it will also cover you for accidental damage as well." Accidental damage distinguishes comprehensive cover here. Servicing, depreciation and wear are different risks and are not added merely by choosing comprehensive cover.

   Reference: Aviva Signature car insurance — What level of cover is right for you?

4. 4For ordinary private-car use on a public road in Great Britain, section 143 requires insurance in relation to what?

   1. A.The vehicle’s registered keeper regardless of who drives
   2. B.The use of that vehicle by the person driving itCorrect answer: B
   3. C.Every vehicle owned by the driver’s household
   4. D.Only damage to the vehicle itself

   Explanation: Road Traffic Act 1988 section 143 states: "in relation to the use of the vehicle by that person" The legal requirement attaches to the person’s use, so a vehicle being insured for someone else is insufficient.

   Reference: Road Traffic Act 1988 section 143 — s. 143(1)(a)

5. 5A privately owned car park is open to the public. A driver assumes compulsory motor insurance cannot apply there because it is not a public road. Under section 143, what matters?

   1. A.Private ownership automatically removes the insurance requirement
   2. B.The provision also covers use in another public placeCorrect answer: B
   3. C.Only whether the road has been formally adopted determines it
   4. D.Insurance is required only if parking charges are collected

   Explanation: Section 143 extends to use "on a road [F2or other public place]". B applies the public-place limb. A confuses title with public access, C wrongly confines the rule to adopted roads, and D adds an irrelevant parking-charge threshold.

   Reference: Road Traffic Act 1988 section 143 — s. 143(1)(a)

6. 6What pre-contract information duty does CIDRA impose on a consumer buying private motor insurance?

   1. A.Disclose every fact known to anyone in the household
   2. B.Take reasonable care not to make a misrepresentationCorrect answer: B
   3. C.Guarantee every factual answer is accurate regardless of care
   4. D.Volunteer every material circumstance even without any insurer question

   Explanation: CIDRA requires the consumer "to take reasonable care not to make a misrepresentation to the insurer." B states that standard. A and D impose an unrestricted disclosure duty, while C incorrectly turns reasonable care into a strict guarantee.

   Reference: Consumer Insurance (Disclosure and Representations) Act 2012 — s. 2(2)

7. 7An Aviva Signature customer has two years’ no-claim discount and wants the optional protection described in the wording. What is the minimum additional claim-free period needed to reach its stated eligibility threshold?

   1. A.One yearCorrect answer: A
   2. B.Two years
   3. C.Three years
   4. D.Four years

   Explanation: Aviva Signature Motor policy wording states: "You can protect your number of years no claim discount when you have earned three or more years." The minimum threshold is three years. Three minus the current two years equals one further year, assuming the discount years continue to accrue.

   Reference: Aviva Signature Motor policy wording — p. 21, Protected no claim discount

8. 8A classic car is insured on an agreed-value basis and is written off. The policy’s agreed amount is £24,000. What settlement basis does the Ombudsman say it would expect, subject to applicable policy deductions?

   1. A.The original new-car list price
   2. B.The amount agreed in the policyCorrect answer: B
   3. C.The lowest current advertisement
   4. D.The owner’s replacement budget

   Explanation: Financial Ombudsman Service motor valuations guidance states: "we’d expect your insurer to pay out the amount that was agreed in the policy." The stated agreed-value contract is different from ordinary market-value cover; the agreed £24,000 is the basis before any applicable deductions.

   Reference: Financial Ombudsman Service motor valuations guidance — Complaints involving agreed-value policies

9. 9What insurance-service function does Aviva identify for MyAviva?

   1. A.Editing the driver’s official DVLA licence record
   2. B.Viewing documents and updating policy details onlineCorrect answer: B
   3. C.Comparing quotations from every insurer across the market
   4. D.Viewing the full claims records of other policyholders

   Explanation: The insurer describes "MyAviva is a secure online portal, where you’ll find all the details and documents for your Aviva Signature car insurance policy". B is personal policy administration; A concerns official licensing, C invents a whole-market comparison and D confuses personal account access with third-party records.

   Reference: Aviva How we calculate your premium — How to manage your policy online

10. 10A manufacturer releases a safety-critical software update for an Aviva Signature insured vehicle. Which action meets the cited policy duty?

    1. A.Delay it until a future claim proves it necessary
    2. B.Replace it with unapproved performance software
    3. C.Install it only if the insurer reduces the premium
    4. D.Install the manufacturer’s safety-critical updateCorrect answer: D

    Explanation: Aviva Signature Motor policy wording states: "install any safety critical software updates made available by the vehicle manufacturer." The policy expressly requires these updates. A future claim, premium change or unauthorised software does not replace that requirement.

    Reference: Aviva Signature Motor policy wording — p. 37, Your duty to prevent loss or damage