M05: Insurance law
Mixed assessment coursework – assignment
Coursework submission rules and important notes
Before you start your assignment, it is essential that you familiarise yourself with the Coursework
assessment guidelines and instructions available on RevisionMate.
This includes the following information:
• These questions must not be provided to, or discussed with, any other person regardless of whether they
are another candidate or not. If you are found to have breached this rule, disciplinary action may be taken
against you.
• Important rules relating to referencing all sources including the study text, regulations and citing statute
and case law.
• Penalties for contravention of the rules relating to plagiarism and collaboration.
• Coursework marking criteria applied by markers to submitted answers.
• Deadlines for submission of coursework answers.
• You must not include your name or CII PIN anywhere in your answer.
• The total marks available are 200. You need to obtain 120 marks to pass this assignment.
• Your answer must be submitted on the correct answer template in Arial font, size 11.
• Answers to a coursework assignment should be a maximum of 12,000 words. The word count does not
include diagrams however, it does include text contained within any tables you choose to use. The word
count does not include referencing or supplementary material in appendices. Please be aware that at the
point an assignment exceeds the word count by more than 10% the examiner will stop marking.
Top tips for answering coursework assignments
• Read the Specimen coursework assignment and answer for this unit, available on RevisionMate.
• Read the Learning Outcome(s) and related study text chapter for each question before answering it.
• Ensure your answer reflects the context of the question. Your answer must be based on the figures and/or
information used in the question.
• Ensure you answer all questions.
• Address all the issues raised in each question.
• Do not group question parts together in your answer. If there are parts (a) and (b), answer them
separately.
• Where a question requires you to address several items, the marks available for each item are equally
weighted. For example, if 4 items are required and the question is worth 12 marks, each item is worth 3
marks.
• Ensure that the length and breadth of each answer matches the maximum marks available. For example,
a 30-mark question requires more breadth than a 10 or 20 mark question.
Copyright © 2020 The Chartered Insurance Institute. All rights reserved.
, M05/2020 M05: Insurance law 2
M05 coursework assignment questions
Question 1 – Learning Outcome 2 (10 marks)
Simon is a claims handler for TP Ltd, an insurer, and works in the first notification of loss (FNOL) department.
Simon receives a phone call from one of TP Ltd's policyholders, to make a claim for damage to their
property. The policyholder asks Simon if building repair work on the property can proceed, pending the
outcome of the claim. Simon states that "it can" as he is sure "it will be fine".
A few weeks later, Simon checks the claim record to discover that the claim had been declined. However, the
building repair work had already commenced.
(a) Identify, with justification, the tort that Simon may have committed. (6)
(b) Explain briefly, the main legal remedy available to the policyholder. (4)
Question 2 – Learning Outcome 3 (10 marks)
Bella is currently employed by KL Ltd, an insurance broker. KL Ltd operates a single office in New Town.
Bella has a contract of employment with KL Ltd, which states that 'On leaving the firm, employees are not
permitted to work at any insurance broker within 25 miles of KL Ltd for a period of five years'.
Bella intends to resign from KL Ltd and establish her own insurance brokerage in New Town.
Joe, a competitor to KL Ltd, is to buy the insurance broking business from KL Ltd.
(a) Explain, with justification, whether Bella is entitled to establish her own brokerage in New Town.
Refer to one relevant case in support of your explanation. (6)
(b) Explain, with justification, how Joe could prevent the directors of KL Ltd from establishing another
insurance broking business in New Town. (4)
Question 3 – Learning Outcome 4 (10 marks)
GB Ltd is an insurance broker. They engaged a specialist recruitment company to find an account manager,
which led to the employment of Finley by GB Ltd.
GB Ltd recently discovered that both GB Ltd and Finley are paying recruitment commission to the
recruitment company, of which neither were aware.
GB Ltd had specified to the recruitment company that all potential candidates must have at least two years'
account management experience. However, GB Ltd has since discovered, after employing Finley, that he
does not have the required level of experience.
(a) Explain, with justification, two legal issues raised by commission payments being made by both
GB Ltd and Finley. (6)
(b) Explain, with justification, the legal effect of the recruitment company's failure to ensure that Finley
had the required level of experience. (4)
Copyright © 2020 The Chartered Insurance Institute. All rights reserved.
Mixed assessment coursework – assignment
Coursework submission rules and important notes
Before you start your assignment, it is essential that you familiarise yourself with the Coursework
assessment guidelines and instructions available on RevisionMate.
This includes the following information:
• These questions must not be provided to, or discussed with, any other person regardless of whether they
are another candidate or not. If you are found to have breached this rule, disciplinary action may be taken
against you.
• Important rules relating to referencing all sources including the study text, regulations and citing statute
and case law.
• Penalties for contravention of the rules relating to plagiarism and collaboration.
• Coursework marking criteria applied by markers to submitted answers.
• Deadlines for submission of coursework answers.
• You must not include your name or CII PIN anywhere in your answer.
• The total marks available are 200. You need to obtain 120 marks to pass this assignment.
• Your answer must be submitted on the correct answer template in Arial font, size 11.
• Answers to a coursework assignment should be a maximum of 12,000 words. The word count does not
include diagrams however, it does include text contained within any tables you choose to use. The word
count does not include referencing or supplementary material in appendices. Please be aware that at the
point an assignment exceeds the word count by more than 10% the examiner will stop marking.
Top tips for answering coursework assignments
• Read the Specimen coursework assignment and answer for this unit, available on RevisionMate.
• Read the Learning Outcome(s) and related study text chapter for each question before answering it.
• Ensure your answer reflects the context of the question. Your answer must be based on the figures and/or
information used in the question.
• Ensure you answer all questions.
• Address all the issues raised in each question.
• Do not group question parts together in your answer. If there are parts (a) and (b), answer them
separately.
• Where a question requires you to address several items, the marks available for each item are equally
weighted. For example, if 4 items are required and the question is worth 12 marks, each item is worth 3
marks.
• Ensure that the length and breadth of each answer matches the maximum marks available. For example,
a 30-mark question requires more breadth than a 10 or 20 mark question.
Copyright © 2020 The Chartered Insurance Institute. All rights reserved.
, M05/2020 M05: Insurance law 2
M05 coursework assignment questions
Question 1 – Learning Outcome 2 (10 marks)
Simon is a claims handler for TP Ltd, an insurer, and works in the first notification of loss (FNOL) department.
Simon receives a phone call from one of TP Ltd's policyholders, to make a claim for damage to their
property. The policyholder asks Simon if building repair work on the property can proceed, pending the
outcome of the claim. Simon states that "it can" as he is sure "it will be fine".
A few weeks later, Simon checks the claim record to discover that the claim had been declined. However, the
building repair work had already commenced.
(a) Identify, with justification, the tort that Simon may have committed. (6)
(b) Explain briefly, the main legal remedy available to the policyholder. (4)
Question 2 – Learning Outcome 3 (10 marks)
Bella is currently employed by KL Ltd, an insurance broker. KL Ltd operates a single office in New Town.
Bella has a contract of employment with KL Ltd, which states that 'On leaving the firm, employees are not
permitted to work at any insurance broker within 25 miles of KL Ltd for a period of five years'.
Bella intends to resign from KL Ltd and establish her own insurance brokerage in New Town.
Joe, a competitor to KL Ltd, is to buy the insurance broking business from KL Ltd.
(a) Explain, with justification, whether Bella is entitled to establish her own brokerage in New Town.
Refer to one relevant case in support of your explanation. (6)
(b) Explain, with justification, how Joe could prevent the directors of KL Ltd from establishing another
insurance broking business in New Town. (4)
Question 3 – Learning Outcome 4 (10 marks)
GB Ltd is an insurance broker. They engaged a specialist recruitment company to find an account manager,
which led to the employment of Finley by GB Ltd.
GB Ltd recently discovered that both GB Ltd and Finley are paying recruitment commission to the
recruitment company, of which neither were aware.
GB Ltd had specified to the recruitment company that all potential candidates must have at least two years'
account management experience. However, GB Ltd has since discovered, after employing Finley, that he
does not have the required level of experience.
(a) Explain, with justification, two legal issues raised by commission payments being made by both
GB Ltd and Finley. (6)
(b) Explain, with justification, the legal effect of the recruitment company's failure to ensure that Finley
had the required level of experience. (4)
Copyright © 2020 The Chartered Insurance Institute. All rights reserved.
