Reading notes is one thing; sitting a timed exam is another. The PracticeVCE test engines recreate the pressure of the real M05 exam with the same 121 practice questions that mirror the CII Insurance law (IL) format you will face in 2026.
CII M05 Exam Overview:
| Certification Vendor: | Chartered Insurance Institute (CII) |
|---|---|
| Exam Name: | Insurance Law (IL) |
| Exam Number: | M05 |
| Related Certifications: | Diploma in Insurance |
| Real Exam Qty: | 50 |
| Exam Format: | 40 Multiple Choice Questions (MCQ), 10 Multiple Response Questions, Coursework Assignment (10 compulsory short-answer questions) |
| Available Languages: | English |
| Passing Score: | 65% |
| Exam Duration: | 60 minutes |
| Sample Questions: | DOWNLOAD DEMO |
| Exam Way: | Computer-based online examination and coursework assessment through CII RevisionMate; available year-round at approved test centres or remote locations where permitted. |
| Pre Condition: | No mandatory prerequisites. Recommended for candidates pursuing the CII Diploma in Insurance. |
| Official Syllabus URL: | https://www.cii.co.uk/learning/qualifications/unit-insurance-law-m05/ |
CII M05 Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Subrogation and Contribution | - Recovery rights and sharing of losses
|
| Nature and Sources of English Law and Legal Persons | - Nature and sources of English law
|
| Indemnity and Loss Measurement | - Principle of indemnity
|
| Law of Agency and Insurance | - Agency relationships
|
| Law of Torts | - Principles of tort law
|
| Law of Contract | - Contract formation and operation
|
| Formation of Insurance Contracts | - Core insurance principles
|
| Insurance Claims | - Claims process and legal principles
|
| Insurance Contract Terms and Vitiating Factors | - Factors affecting validity
|
CII Insurance law (IL) Exam: Common Questions Answered
The CII Insurance law (IL) exam includes 50 questions and gives you 60 minutes to finish. That works out to a tight per-question pace, so flagging a hard item and moving on is usually smarter than getting stuck. Before test day, sit at least one full timed session with the PracticeVCE test engine — practicing under the clock is the fastest way to build the rhythm the real M05 exam demands.
The M05 exam is the official CII exam that leads to the Insurance Law (M05) certification, positioned at the Level 4 Diploma level. It validates the skills employers expect from certified professionals, and passing it is a concrete step forward in an IT career. It is also connected with other credentials in the same track, including Diploma in Insurance.
Yes. PracticeVCE offers a free PDF demo of the CII Insurance law (IL) material, so you can check the question style and answer quality before paying. After purchase, your product includes 365 days of free updates; once that period expires, you can extend the update service at a 50% discount from your member zone.
The CII Insurance law (IL) exam is organized into 9 domains. The main ones include Insurance Claims; Nature and Sources of English Law and Legal Persons; Subrogation and Contribution. Weightings tell you where to spend most of your study time, and the full topic breakdown is listed in the exam outline section above on this page.
If you take the CII Insurance law (IL) exam within 60 days of your purchase and do not pass, you can apply for a full refund under the PracticeVCE refund policy. The claim requires a scanned enrollment slip and your official Score Report in PDF, submitted within 2 days after the exam; claims are processed within 7 days. Note that the guarantee applies only to the corresponding exam — attempts taken within 3 days of purchase, downloaded-but-never-taken exams, free materials, and expired orders are not covered, and the candidate name must match the payer name. Prefer new material instead of a refund? You can swap for two free exam products of equal value and keep the update service on your original purchase. As for delivery, everything is instant: the download link reaches your mailbox within one minute of payment (contact support if nothing arrives within 2 hours), and there is no limit on how many computers you can install it on.
No mandatory prerequisites. Recommended for candidates pursuing the CII Diploma in Insurance. Requirements like these can change, so before you book, confirm the current eligibility rules on the official page: https://www.cii.co.uk/learning/qualifications/unit-insurance-law-m05/.
CII Insurance law (IL) Sample Questions:
For this question more than 1 option is correct. You must select ail the correct options to gain the mark.
In what circumstances does the Fires Prevention (Metropolis) Act 1774 require insurance companies to ensure that claims monies are used to rebuild or reinstate buildings destroyed or damaged by fire?
- A. When fraud or arson by the insured is suspected.
- B. Where the building was destroyed by an explosion.
- C. Where there is underinsurance.
- D. Upon the request of any person(s) interested in the buildings.
Correct Answer: A,D 🗳️
An employee suffered a minor injury lo his arm at work, due to a breach of duty by his employer. The medical treatment he received at hospital was negligent and caused his minor injury to deteriorate to the extent that his arm had to be amputated. To what extent, if at all, is the employer liable?
- A. The employer will not be liable for the employee's injuries at all
- B. The employer and the hospital will split liability on an equal basis
- C. The employer will not be held liable for the unforeseeable extent of the employee's injuries
- D. The employer will be held strictly liable for the full extent of the employee's injuries
Correct Answer: D 🗳️
What are the main reasons why the law requires insurable interest to exist?
- A. Reduce physical hazard and discourage gambling.
- B. Discourage underinsurance and ensure premium adequacy.
- C. Reduce moral hazard and discourage gambling.
- D. Discourage betterment and ensure premium adequacy.
Correct Answer: C 🗳️
What is the principal reason for which a proposer is asked by the insurer whether his car will be driven by anyone else?
- A. To enable a loading to be applied.
- B. To establish whether insurable interest exists.
- C. To enable a discount to be applied.
- D. It is a material circumstance.
Correct Answer: D 🗳️
For this question more than 1 option is correct. You must select all the correct options to gain the mark.
The Insurance: Conduct of Business sourcebook (ICOBS) rules in respect of claims handling specify that an insurer must
- A. not unreasonably reject an insured's claim.
- B. handle a claims notification within 14 days.
- C. settle a claim promptly once settlement has been agreed.
- D. provide reasonable guidance to an insured to help him make a claim.
Correct Answer: A,C,D 🗳️
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