CII - IF2 Exam 2025 Questions and
Answers 100% Pass
Standard Policy Cover: - ✔✔- RTA
- TPO
- TPFT
- Comprehensive
Key Aspects of RTA: - ✔✔- The minimum cover required to comply with the Road
Traffic Act 1988.
- The minimum cover meets or exceeds the requirements of the current EU motor
Directive.
RTA Cover Provides: - ✔✔- Indemnity for bodily injury or death caused to 3rd parties,
including passengers (unlimited in amount)
- Indemnity for loss or damage to property belonging to 3rd parties (limited to £1.2
million)
- Indemnity for claimants' costs and the expenses of handling claims.
- Cover for charges re' emergency medium treatment and hospital charges arising out of
the use of the vehicle. (Charges specified in the RTA and the policy must provide for
their payment when demanded)
In order to comply with the Third EU Motor Insurance Directive, all policies must: -
✔✔- Either the minimum cover required by the EU country being visited or by the
minimum cover required by the country where the vehicle is usually kept (RTA cover
in the UK) whichever is greater; and
COPYRIGHT © 2025 BY EMILLY CHARLOTTE, ALL RIGHTS RESERVED 1
,- Cover for liability to persons in the employment.
TPO: - ✔✔Third Party Only Cover
TPO cover usually provides the following, in addition to providing RTA cover: - ✔✔-
Cover for vehicles whilst not on the road or in a public place but remaining within the
territorial limits.
- A limit of £20m for 3rd party property damage for private car policies.
- Indemnity for accidents which occur whilst the insured is driving a car that does not
belong to them. (Some also include a motorcycle)
- Indemnity to anyone who is driving or using the vehicle on the insured's order or
permission unless driving is restricted to named individuals.
- Legal costs in defence of a claim.
- Limited cover for legal representation costs following a prosecution for a motoring
defence.
Third Party, Fire & Theft (TPFT) - ✔✔In addition to RTA and TPO Cover, TPFT
includes the cost of repairs and compensation to the insured if their vehicle is:
- Damaged by fire, lightning or explosion;
- Damaged either during attempted theft or while it is stolen; or
- Stolen and not recovered.
Comprehensive Cover: - ✔✔In addition to the cover granted by RTA, TPO & TPFT, the
Comprehensive policy covers:
Other accidental and malicious damage to the insured's car.
The cover is granted as an 'All Risks' policy, in that all loss or damage, however it
occurs is subject to exclusions, as follows:
COPYRIGHT © 2025 BY EMILLY CHARLOTTE, ALL RIGHTS RESERVED 2
, - Loss or damage to accessories / spare parts, unless on the vehicle / in the insured's
garage.
- Wear and tear & depreciation.
- Loss of use.
- Mechanical & electrical failure or breakdown; and
- Damage to tyres caused by road punctures / bursts.
Comprehensive cover typically includes the following benefits: - ✔✔- Personal Accident
Cover
- Medical Expenses
- Personal Belongings & Clothing
No Claims Discount (NCD) - ✔✔The terms 'No Claims Discount' & 'No Claims Bonus'
are the same.
What are the rates for No Claims Discount (NCD) - ✔✔Rates vary, but it wouldn't be
unusual to find discounts of:
25% for 1 year free of claims.
65%-70% for 4 or 5 years free of claims.
What is an Uninsured Driver Promise? - ✔✔Cover under comprehensive policies for
where the insured's vehicle is involved in an accident with a third party's vehicle which
doesn't have motor insurance.
This extension will usually protect the insured's no claims discount - provided they can
provide full details of the 3rd party vehicle involved.
Optional Extensions include: - ✔✔- Breakage of glass: included as standard in a
Comprehensive policy and could be added to a non-comprehensive policy subject to an
additional premium.
- Personal Belongings & Clothing: included as standard in a Comprehensive policy.
Many insurers offer specific 'Add-Ons' to cover a range of items.
COPYRIGHT © 2025 BY EMILLY CHARLOTTE, ALL RIGHTS RESERVED 3
Answers 100% Pass
Standard Policy Cover: - ✔✔- RTA
- TPO
- TPFT
- Comprehensive
Key Aspects of RTA: - ✔✔- The minimum cover required to comply with the Road
Traffic Act 1988.
- The minimum cover meets or exceeds the requirements of the current EU motor
Directive.
RTA Cover Provides: - ✔✔- Indemnity for bodily injury or death caused to 3rd parties,
including passengers (unlimited in amount)
- Indemnity for loss or damage to property belonging to 3rd parties (limited to £1.2
million)
- Indemnity for claimants' costs and the expenses of handling claims.
- Cover for charges re' emergency medium treatment and hospital charges arising out of
the use of the vehicle. (Charges specified in the RTA and the policy must provide for
their payment when demanded)
In order to comply with the Third EU Motor Insurance Directive, all policies must: -
✔✔- Either the minimum cover required by the EU country being visited or by the
minimum cover required by the country where the vehicle is usually kept (RTA cover
in the UK) whichever is greater; and
COPYRIGHT © 2025 BY EMILLY CHARLOTTE, ALL RIGHTS RESERVED 1
,- Cover for liability to persons in the employment.
TPO: - ✔✔Third Party Only Cover
TPO cover usually provides the following, in addition to providing RTA cover: - ✔✔-
Cover for vehicles whilst not on the road or in a public place but remaining within the
territorial limits.
- A limit of £20m for 3rd party property damage for private car policies.
- Indemnity for accidents which occur whilst the insured is driving a car that does not
belong to them. (Some also include a motorcycle)
- Indemnity to anyone who is driving or using the vehicle on the insured's order or
permission unless driving is restricted to named individuals.
- Legal costs in defence of a claim.
- Limited cover for legal representation costs following a prosecution for a motoring
defence.
Third Party, Fire & Theft (TPFT) - ✔✔In addition to RTA and TPO Cover, TPFT
includes the cost of repairs and compensation to the insured if their vehicle is:
- Damaged by fire, lightning or explosion;
- Damaged either during attempted theft or while it is stolen; or
- Stolen and not recovered.
Comprehensive Cover: - ✔✔In addition to the cover granted by RTA, TPO & TPFT, the
Comprehensive policy covers:
Other accidental and malicious damage to the insured's car.
The cover is granted as an 'All Risks' policy, in that all loss or damage, however it
occurs is subject to exclusions, as follows:
COPYRIGHT © 2025 BY EMILLY CHARLOTTE, ALL RIGHTS RESERVED 2
, - Loss or damage to accessories / spare parts, unless on the vehicle / in the insured's
garage.
- Wear and tear & depreciation.
- Loss of use.
- Mechanical & electrical failure or breakdown; and
- Damage to tyres caused by road punctures / bursts.
Comprehensive cover typically includes the following benefits: - ✔✔- Personal Accident
Cover
- Medical Expenses
- Personal Belongings & Clothing
No Claims Discount (NCD) - ✔✔The terms 'No Claims Discount' & 'No Claims Bonus'
are the same.
What are the rates for No Claims Discount (NCD) - ✔✔Rates vary, but it wouldn't be
unusual to find discounts of:
25% for 1 year free of claims.
65%-70% for 4 or 5 years free of claims.
What is an Uninsured Driver Promise? - ✔✔Cover under comprehensive policies for
where the insured's vehicle is involved in an accident with a third party's vehicle which
doesn't have motor insurance.
This extension will usually protect the insured's no claims discount - provided they can
provide full details of the 3rd party vehicle involved.
Optional Extensions include: - ✔✔- Breakage of glass: included as standard in a
Comprehensive policy and could be added to a non-comprehensive policy subject to an
additional premium.
- Personal Belongings & Clothing: included as standard in a Comprehensive policy.
Many insurers offer specific 'Add-Ons' to cover a range of items.
COPYRIGHT © 2025 BY EMILLY CHARLOTTE, ALL RIGHTS RESERVED 3
