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CII Insurance law (IL) Sample Questions:

1. Ambiguous terms in a household insurance contract are generally construed against the

A) policyholder due to the noscitur a sociis rule.
B) policyholder due to the literal rule.
C) insurer due to the contra proferentem rule.
D) insurer due to the ejusdem generis rule.

2. The Chancery Division is a division of the:

A) Crown Court.
B) County Court.
C) High Court.
D) Magistrates Court.

3. Which of the following is an essential element in the formation of an insurance contract?

A) A signed declaration by the policyholder
B) A valid claim history
C) A formal written agreement
D) The payment of a premium

4. Which of the following terms in an insurance policy is typically enforceable in a court of law?

A) Exclusions
B) Conditions precedent
C) Representations
D) Warranties

5. Which of the following is not a typical requirement for the formation of an insurance contract?

A) An offer to insure
B) An acceptance of the offer
C) The disclosure of a medical history
D) The payment of a premium.

Solutions: