CII Exam Questions and Verified Answers 2025 Secure Pass

CII Exam Questions and Verified Answers
2025 Secure Pass
DirectAInsurerA-ACORRECTAANSWERSA--
AsellsAdirectlyAtoAcustomersAthroughAtheirAcallAcentresAorAtheAinternet.

InsuranceABrokerA/AIntermediaryA-ACORRECTAANSWERSA--
AsellsAinsuranceAonAbehalfAofAanAinsuranceAcompany.A

-Amiddleman
PUUA-ACORRECTAANSWERSA--APossibilityA(if).
-AUnpredictabilityA(when).
-AUncertaintyA(whetherAfinancialAloss).
PerilA-ACORRECTAANSWERSA--AsomethingAthatAcausesAaAloss.
HazardA-ACORRECTAANSWERSA--
AfactorsAthatAincreaseAorAdecreaseAtheAchanceAof AaAperil.

InsuranceA-ACORRECTAANSWERSA--AriskAtransferAmechanism.
-AfromAcustomerAtoAinsuranceAcompany.
PoolingAofARiskA-ACORRECTAANSWERSA--
AtheAlossesAofAtheAfewAareAmetAbyAtheAcontributionsAofAtheAmany.

LawAofALargeANumbersA-ACORRECTAANSWERSA--
AtheAmoreAcustomersAthereAare,AtheAeasierAitAisAtoApredictAtheAnumberAofAclaimsAthatAwillAo

ccur.
RiskAAssessmentAProcessA-ACORRECTAANSWERSA--
AriskAidentificationA(setAofAquestions).

-AriskAanalysisA(hazardsAareAassessed).
-AriskAcontrolA(developAappropriateAresponses).
FirstAPartyA-ACORRECTAANSWERSA--Apolicyholder.
SecondAPartyA-ACORRECTAANSWERSA--AinsuranceAcompany.
ThirdAPartyA-ACORRECTAANSWERSA--
AanyoneAthatAcustomerAinjuresAorAcausesAdamageAto.

AgentA-ACORRECTAANSWERSA--AbringsAtwoApartiesAtogether.A
-ARIAS
UtmostAGoodAFaithA-ACORRECTAANSWERSA--
AbothAcustomerAandAinsuranceAcompanyAhadAtoAdiscloseAallArelevantAfactsAinArelationAtoAc

ontractA(materialAfacts).
ConsumerAInsuranceAActA2012A-ACORRECTAANSWERSA--
AreducesAtheAliklihoodAof AcustomersAmakingAaAmis-

representationAandAsubsequentlyAhavingAaAclaimAdisputed.
-AdoneAbyAaskingAaAsetAofAclearAandAspecificAquestions.
IndemnityA-ACORRECTAANSWERSA--
AputtingAtheAcustomerAbackAinAtheAsameAfinancialApositionAtheyAwereAinAbeforeAtheAloss.

SumAInsuredA-ACORRECTAANSWERSA--AcustomerAwillAonlyAbeApaidAupAtoAaAcertainAsum.
1894A-ACORRECTAANSWERSA--AKarlABenzAandAGottliebbANADaimlerA
-AintroducedAtheAfirstAtwo-seaterAmotorcar.

, 1894AtoA1914A-ACORRECTAANSWERSA--AmotorcarAbecameApopular.
-ArichAman'sAhobby.
1914AtoA1918A-ACORRECTAANSWERSA--AmoreApeopleAableAtoAdriveAdueAtoAwar.A
-AhireApurchaseAwasAintroduced.
1930A-ACORRECTAANSWERSA--AroadAtrafficAact.
-
AcompulsoryAtoAhaveAinsuranceAwhenAdrivingAaAcarAtoAprovideAfinancialAcompensationAtoAi

nnocentApeople.
1988A-ACORRECTAANSWERSA--AroadAtrafficAactAwasArevised.
-AcompulsoryAtoAcoverAdamageAtoAotherApeople'sApropertyAasAwellAasAdeathAandAinjury.
MIDA-ACORRECTAANSWERSA--AmotorAinsuranceAdatabase.
-AfundedAbyAtheAgovernment.
-AusedAbyApoliceAandADVLAAtoAenforceAmotorAinsuranceAlaw.
ANPRA-ACORRECTAANSWERSA--AautomaticAnumberAplateArecognition.
CIEA-ACORRECTAANSWERSA--AcontinuousAinsuranceAenforcement.
-AlegalArequirementAforAregisteredAvehicleAkeepersAtoAinsureAtheirAvehiclesAatAallAtimes.
SORNA-ACORRECTAANSWERSA--AstatutoryAoff-roadAnotification.
IALA-ACORRECTAANSWERSA--AinsuranceAadvisorAletter.
RoadAFundALicenceA-ACORRECTAANSWERSA--AroadAtax.
-AneedAaAproofAofAinsurance,AaAvalidAMOTAandAV5AorASORNAdocumentAforAaAtaxAdisc.
MIBA-ACORRECTAANSWERSA--AmotorAinsuranceAbureau.
-AestablishedAinA1946.
-AcompensateAtheAvictimsAofAnegligentAuninsuredAandAuntracedAmotorists.A
-AfundedAbyAtheAinsurer's.
RatingAFactorsA-ACORRECTAANSWERSA--AcurrentAcircumstances.
-AhistoricalAinformation.
-AgeneralAfacts.
CategoriesAofAOccupationA-ACORRECTAANSWERSA--
Aacceptable:AreduceAorAincreaseAtheApremium.A

-ArequiringAterms:Ae.gAmotorAtradeAemployeesA(exclusionAofAtheADOCAextension).
-Adecline:AtooAhigh-riskAe.g.AproAsportsman.
ThirdAPartyA-ACORRECTAANSWERSA--
ATPAdeathAandAinjuryA(unlimitedAamountAofAmoney).

-
ATPApropertyAdamageA(£20AmillionAtoAinnocentAproperty.A£5AmillionAforAlegalAfees.AMustAha

veAatAleastA£1AmillionAofATPApropertyAdamageAcover).
-APassengerAliabilityA(unlimitedAonAdeathAandAinjuryAandA£20AmillionAforAproperty).
-ATPAcoverAforAtowingA(onlyAappliesAwhenAcaravanAattached.Ae.gAcaravanAhitsA3rdAparty).
-ATPAcoverAinAforeignAtravel.
TPFTA-ACORRECTAANSWERSA--AthirdApartyAfireAandAtheft.
-AeverythingAunderATPO.
-AfireAdamageAtoAownAcar.
-AtheftAandAattemptedAtheftAtoAownAcar.
COMPA-ACORRECTAANSWERSA--Acomprehensive.
-AeverythingAunderATPO.
-AfireAdamageAtoAownAcar.