[Oct 21, 2023] Verified E05 dumps and 52 unique questions [Q21-Q42]

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[Oct 21, 2023] Verified E05 dumps and 52 unique questions

E05 Dumps for Pass Guaranteed – Pass E05 Exam 2023

CII E05 certification exam is a crucial component of the M05 Insurance Law module, designed to assess the candidate’s knowledge and understanding of the legal and regulatory framework that governs the insurance industry. E05 exam covers various aspects of insurance law, including contract law, the principles of insurance, and the regulatory framework that governs the industry. It is a rigorous and challenging exam that requires candidates to demonstrate their ability to apply their knowledge to real-life scenarios.

NEW QUESTION 21
Adam was bitten by a stray dog in Africa. He washed his wound in a pond and a week later he became very ill with a high temperature. Initially, the local hospital treated him for malaria and later treated him for the fever following the dog bite. Adam died in hospital. What is the proximate cause of his death?

The delay in seeking medical treatment.

The unhygienic washing of the dog bite.

The original physical injury of the dog bite.

The delay in obtaining the correct medical treatment.

NEW QUESTION 22
According to statute law, an unfair term in a consumer insurance contract is defined as one which

provides insurance where the scope of cover is narrow compared to the premium charged.

causes a significant imbalance in the parties’ rights to the detriment of the consumer.

has been individually negotiated and is to the detriment of either one of the parties.

does not restrict liability for death or personal injury.

NEW QUESTION 23
In terms of private motor insurance, a renewal offer can be accepted

by the proposer acting in reliance of the offer.

only by written communication.

only by the proposer personally.

by any third party.

NEW QUESTION 24
A claimant may possibly recover money transferred under an illegal contract when

the illegality makes the contract voidable rather than void.

both parties to the contract are equal in wrongdoing.

the contract is against public policy but not substantive law.

the legal portion of the contract can be severed from the illega portion.

NEW QUESTION 25
For this question more than 1 option is correct. You must select all the correct options to gain the mark.
A proposer for private motorcycle insurance carelessly states the motorcycle’s engine capacity as 500cc when in fact it is 1500cc. A policy is issued by the insurer on this basis. In the event of a valid claim causing damage to the motorcycle, what potential remedies are available to the insurer under the Consumer Insurance (Disclosure and Representations) Act 2012?

Reject the claim, but maintain the policy.

Reduce the claim amount in proportion to the premium it would have charged.

Apply any terms it would have applied if the misrepresentation had not taken place.

Avoid the contract, refuse all claims and keep the premium.

NEW QUESTION 26
As a result of a breach of good faith under a commercial insurance policy, the insurer avoided the policy as a whole, but was NOT permitted to retain the premium because

the misrepresentation was fraudulent.

the premium was paid by monthly installments.

no claim had been submitted or paid.

the misrepresentation was innocent.

NEW QUESTION 27
A warranty in Emily’s personal travel insurance policy states that cash must be kept in a locked safe. Whilst on holiday, a storm destroys her hotel and its contents. When Emily completes a claim form for loss of money, she admits that her cash was NOT locked in the safe. What will be the insurer’s likely response to her claim for the lost money?

Pay the claim in full.

Reject the claim for breach of warranty.

Make an ex-gratia payment.

Avoid the policy ab initio.

NEW QUESTION 28
In the tort of negligence, a primary victim of nervous shock is a class of person who suffers psychiatric injury

through fear for his own safety in an accident.

through fear for the safety of another person involved in an accident which he witnessed.

as a result of stress or harassment at work.

as a result of grief or sorrow for the loss of a person with whom he had a close relationship.

NEW QUESTION 29
For this question more than 1 option is correct. You must select all the correct options to gain the mark. What are the main sources of new English Law?

International treaties.

Case law.

Legislation.

Official law reports.

NEW QUESTION 30
A household insurance policyholder leaves his home to go to work without setting the burglar alarm. Whilst he was out, his new tumble dryer overheats and causes fire damage to the kitchen. In what circumstances may the insurer legally reject a fire claim?

If there is a subrogation action against the manufacturer of the tumble dryer.

If the policyholder exaggerates the value of the claim.

If there is a breach of a warranty requiring the burglar alarm to be set.

If the tumble dryer is covered by extended warranty insurance.

NEW QUESTION 31
A married couple have equal shares in a property and are insured under a buildings insurance policy. What is the likely position in law of a breach of good faith by one party, which was unknown to the other party?

Cover for both parties would be invalidated as the cover is likely to be a composite policy.

Cover would be maintained in full for the innocent party as the cover is likely to be a composite policy.

Cover for both parties would be invalidated as the cover is likely to be a joint policy.

Cover would be maintained in full for the innocent party as the cover is likely to be a joint policy

NEW QUESTION 32
A property policy contains a condition regarding prompt loss notification. If the insured fails to comply with this condition, in practice, the insurer is likely to

only avoid the claim if the delay has seriously prejudiced its investigation and handling of the claim.

settle the claim and cancel the insurance policy from inception.

avoid the claim automatically due to the breach of the policy condition.

settle the claim and recover its outlay from the insured.

NEW QUESTION 33
Who is entitled to the surplus if a subrogation recovery from a negligent third party is greater than the amount the insurer has paid to the insured?

The insured only.

The insurer only.

The State

It is shared between the insurer and the insured.

NEW QUESTION 34
In what circumstances is abandonment automatic under a marine hull insurance policy?

The insured has performed an action of abandonment.

The actual total loss of the vessel.

The constructive total loss of the vessel.

The insured has sent a formal notice of abandonment.

NEW QUESTION 35
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?

When fraud or arson by the insured is suspected.

Where the building was destroyed by an explosion.

Where there is underinsurance.

Upon the request of any person(s) interested in the buildings.

NEW QUESTION 36
A breach of warranty under the general law of contract legally entitles an injured party to

claim damages.

avoid the contract from the date of the breach.

obtain specific performance.

avoid the contract ab initio.

NEW QUESTION 37
What is the most common for of corporation?

Registered corporation.

Chartered corporation.

Corporation sole.

Statutory corporation.

NEW QUESTION 38
A riot results in a shop being damaged and the shopowner’s insurer settling the claim. A subrogation right enabling the insurer to sue the police authority arises under

tort.

a condition subsequent to liability.

a condition precedent to liability.

statute.

NEW QUESTION 39
Insurance agencies are usually created by way of

implied agreement.

unilateral agreement.

express agreement.

deed of agreement.

NEW QUESTION 40
Which divisional court of the High Court includes a Commercial Court?

Queen’s Bench Division.

Partnership Division.

Chancery Division.

Family Division.

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CII E05 exam is challenging and requires a significant amount of preparation to ensure success. Candidates should have a good understanding of the M05 Insurance Law module and should be familiar with the key legal principles and concepts covered in the course material. Additionally, candidates should be comfortable with the format and structure of multiple-choice exams and should have a good understanding of the key exam techniques, such as time management and how to approach difficult questions.

Latest 100% Passing Guarantee – Brilliant E05 Exam Questions PDF: https://www.testkingit.com/CII/latest-E05-exam-dumps.html

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[Oct 21, 2023] Verified E05 dumps and 52 unique questions [Q21-Q42]

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