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CII E05 Actual Tests : Examination element of M05 Insurance law

About Best CII E05 Exam Practice Material

Certification exams change, and study material has to change with them. In 2026, Actual4test continues to refresh its E05 practice questions, and every CII Examination element of M05 Insurance law purchase includes 365 days of free updates.

CII E05 Exam Overview:

Certification Vendor:CII (The Chartered Insurance Institute)
Exam Name:Examination element of M05 Insurance law
Exam Number:E05
Related Certifications:CII Diploma in Insurance
CII Advanced Diploma in Insurance
Exam Duration:60 minutes
Real Exam Qty:50
Exam Price:£195 - £245 (approx., varies by region/member status)
Exam Format:Multiple Response Questions, Multiple Choice Questions (MCQ)
Certificate Validity Period:3 years
Passing Score:65%
Available Languages:English
Recommended Training:CII RevisionMate Learning Platform
CII Key Facts Booklet - M05
Exam Registration:CII Official Registration
Sample Questions:CII E05 Sample Questions
Exam Way:Online remote proctored or in-person at approved test centres
Pre Condition:Recommended prior knowledge: IF1 Insurance, Legal and Regulatory or equivalent
Official Syllabus URL:https://www.ciigroup.org/learning/qualifications/diploma-in-insurance-qualification/unit-insurance-law-m05/

CII E05 Exam Syllabus Topics:

SectionWeightObjectives
Law of Agency10%- Authority, rights and duties
- Creation and types of agency
- Application to insurance intermediaries
Nature and Sources of English Law15%- Legal personality and capacity
- Sources of law: statute, common law, EU influence
- Legal system and structure
Claims and Indemnity Principles15%- Notification and proof of loss
- Measure of indemnity
- Subrogation and contribution
Law of Torts15%- Principles of negligence
- Application to liability insurance
- Other torts: trespass, nuisance, breach of statutory duty
Formation of Insurance Contracts15%- Insurable interest
- Offer, acceptance and consideration
- Utmost good faith and disclosure
Interpretation and Vitiation of Insurance Contracts15%- Rules of construction
- Factors vitiating the contract
- Warranties, conditions and exceptions
Law of Contract15%- Breach and remedies
- Essentials of a valid contract
- Terms, conditions and representations

Everything You Want to Know About the CII E05 Exam

The E05 exam (Examination element of M05 Insurance law) is the official CII exam that leads to the Insurance Law (M05) certification, a credential at the Associate / Diploma Level level. Related certifications include CII Diploma in Insurance, CII Advanced Diploma in Insurance. Actual4test provides 52 practice questions to help you prepare for it with confidence.

The E05 exam contains 50 questions and gives you 60 minutes to finish them. Before exam day, divide the total time by the question count so you know the pace you need to keep, and flag difficult items instead of getting stuck on them. Running at least one full timed session in the Actual4test test engine is the best way to make that time pressure feel familiar.

You need 65% to pass, and the official registration fee is £195 - £245 (approx., varies by region/member status). Keep in mind that a failed attempt means paying that fee in full again, so it pays to test yourself first. When your scores on the Actual4test timed practice tests stay consistently above the passing line, you are ready to book the exam.

Recommended prior knowledge: IF1 Insurance, Legal and Regulatory or equivalent Requirements can change over time, so always double-check the latest eligibility rules before you register on the official CII exam page.

You can book your exam through the official registration channels:

The exam is delivered in the following way: Online remote proctored or in-person at approved test centres.

CII recommends the following training options for this exam:

Official courses build the foundation, and the 52 E05 practice questions from Actual4test help you turn that knowledge into exam-day performance.

Yes. Actual4test offers a free E05 PDF demo so you can check the quality of the practice questions before purchasing. After you buy, your product comes with 365 days of free updates, and if it expires you can renew the update service at a 50% discount from your member zone.

Your purchase is protected by our 100% Money Back Guarantee. If you take the corresponding E05 exam within 60 days of purchase and do not pass, send us a scan of your enrollment slip and the official Score Report PDF within two days of the exam, and the full refund will be processed within seven days. The candidate name must match the payer name; exams taken within three days of purchase, free materials, and expired orders are not eligible. If you would rather not refund, you can exchange your product for two free products of equal value and keep the update service on your original purchase. Delivery itself is instant: your material is available for download and is emailed to you within one minute of payment. If nothing arrives within two hours, contact our support team. There is no limit on how many computers you may install it on.

The E05 syllabus is organized into 7 exam domains. Among the first three are Law of Torts (15%), Law of Agency (10%), Law of Contract (15%). For the complete breakdown of topics and subtopics, see the Exam Topics section above.

CII Examination element of M05 Insurance law Sample Questions:

Question #1

Tim is a local insurance broker. He has authority to receive premiums for a personal lines insurer and earns commission from the insurer for sales. Paul, an elderly customer, asked Tim for advice regarding his personal insurance requirements and to assist with completing the proposal form for household insurance. In these circumstances, who, if anyone, is Tim's principal?

  • A. No one as Tim is not a party to the insurance contract.
  • B. Paul as it is a consumer contract.
  • C. Both the insurer and Paul at different times.
  • D. The insurer at all times.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

Question #2

A person insures her own life under a life insurance policy but does so expressly for the benefit of another. To facilitate this, which type of arrangement is most commonly established?

  • A. Trust.
  • B. Coinsurance.
  • C. Power of Attorney.
  • D. Lien.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

Question #3

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

  • A. policyholder due to the literal rule.
  • B. insurer due to the ejusdem generis rule.
  • C. policyholder due to the noscitur a sociis rule.
  • D. insurer due to the contra proferentem rule.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

Question #4

The principle of subrogation prevents a policyholder from profiting from

  • A. retaining salvaged property.
  • B. submitting a full claim recovery under more than one insurance policy.
  • C. assigning abandonment rights to the insurer.
  • D. claiming under both his insurance policy and against any negligent third party.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

Question #5

Two liability policies with different insurers cover the same loss of £15,000,000. The limit of liability is
£10,000,000 under policy X and £20,000,000 under policy Y. Neither policy has a non-contribution clause.
What amount will policy Y contribute towards the claim payment?

  • A. £7,500,000
  • B. £9,000,000
  • C. £5,000,000
  • D. £10,000,000
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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