Checked 25 October 2026. The format facts were read on the CII’s IF1 syllabus and examination guide for 2026 on 25 October 2026. The three questions follow English law and practice and UK insurance regulation as we understand them in October 2026.
IF1 practice questions are most useful in the exam’s own shape: 100 questions in two hours, each with four options and one correct answer. Below are three questions worked through, with the explanation and the rule behind each answer. They come from our own independent IF1 practice test, written to the CII’s 2026 syllabus. The CII’s own specimen examination is in its IF1 examination guide, which you can download from its IF1 unit page; use that too. ProSyllabus is an independent study site. It is not affiliated with the Chartered Insurance Institute (CII), and nothing here is official. Every format fact below is quoted or summarised from the CII’s own pages and documents, read on 25 October 2026.
Three worked IF1 questions
Each question is printed exactly as it appears in the ProSyllabus CII IF1 practice test, with the explanation the test gives after you answer.
Question 1 · LO9 Indemnity
A shop's contents are insured for £60,000 under a policy subject to average, but their full value is £80,000. A fire causes damage of £20,000. Ignoring any excess, how much will the insurer pay?
- £15,000
- £12,000
- £60,000
- £20,000
Answer: A. Under the pro rata condition of average, the claim is reduced in proportion to the underinsurance: sum insured ÷ value at risk × loss = £60,000 ÷ £80,000 × £20,000 = £15,000 (IF1 syllabus 9.5, indicative content 9.5.2 and 9.5.4).
From the ProSyllabus CII IF1 practice test: an original question, not a CII specimen or exam question. It is one of that test’s three free questions.
Question 2 · LO7 Good faith
Under the Consumer Insurance (Disclosure and Representations) Act 2012, a consumer applying for home insurance must
- take reasonable care not to make a misrepresentation to the insurer.
- arrange for the property to be surveyed before cover can be offered.
- disclose only facts that would reduce the premium charged.
- volunteer every fact that a prudent insurer would want to know, even if not asked.
Answer: A. Section 2(2) of the Consumer Insurance (Disclosure and Representations) Act 2012 makes it the duty of the consumer to take reasonable care not to make a misrepresentation to the insurer. Section 2(4) says this duty replaces any duty relating to disclosure or representations by a consumer to an insurer which existed in the same circumstances before the Act applied (IF1 syllabus 7.1, the principle of good faith).
From the ProSyllabus CII IF1 practice test: an original question, not a CII specimen or exam question. It is one of that test’s three free questions.
Question 3 · LO1 Risk within the insurance environment
Which of the following is an example of a speculative risk?
- The possibility of a car being stolen from a street
- The possibility of a house being damaged by fire
- An employee being injured at work through an accident
- Buying shares in a company in the hope of a profit
Answer: D. A speculative risk is one with three possible outcomes: a loss, a break even or a gain, as with buying shares in the hope of a profit. A car being stolen, a house damaged by fire and an employee injured in an accident can bring a loss but never a gain, so none of them is speculative (IF1 syllabus 1.3, indicative content 1.3.2).
From the ProSyllabus CII IF1 practice test: an original question, not a CII specimen or exam question. It is one of that test’s three free questions.
| Question | Learning outcome | Answer |
|---|---|---|
| 1 | LO9 Indemnity | A: £15,000 |
| 2 | LO7 Good faith | A: take reasonable care not to make a misrepresentation to the insurer. |
| 3 | LO1 Risk within the insurance environment | D: Buying shares in a company in the hope of a profit |
The table repeats the three answers for readers on a version of this page that does not show the cards.
Using a timed mock well
| Step | What to do (our suggestion) |
|---|---|
| Time it | Sit 100 questions in two hours in one go: 72 seconds a question on average (our arithmetic). Leave a question you cannot settle and come back to it, as the examination guide suggests. |
| Score by learning outcome | The CII’s own feedback reports the percentage you answered correctly on each learning outcome. Do the same with a mock: the syllabus gives outcome 11 about 15 questions and outcome 4 about 14, the two largest guide allocations, each generally within plus or minus 2 in a given exam. Compare your total with the 70% standard pass mark. |
| Read every explanation | Including the ones you got right. A right answer for the wrong reason will not hold up when the question is worded differently. |
| Check the edition | Use material for the 2026 syllabus if you sit between 1 January and 31 December 2026. For a 2027 sitting, check the IF1 unit page for the 2027 edition and syllabus. |
The format facts are from the CII’s IF1 syllabus and examination guide for 2026. Our IF1 exam format page lists every learning outcome with the number of questions the syllabus gives it as a guide.
Reading your mock score
| Correct answers out of 100 | Against the 70% standard pass mark | What we would do next (our suggestion) |
|---|---|---|
| 75 or more | Comfortably above | Keep one timed mock for the week of the exam; read the explanations of every question you missed. |
| 70 to 74 | At or just above | Too close to rely on. Work on your two weakest learning outcomes, then sit another timed mock. |
| 65 to 69 | Just below | Go back to the study text for the outcomes where you dropped most marks, especially outcomes 4 and 11. |
| 64 or fewer | Well below | Finish the study text before another timed mock; use a mock to find gaps, not to learn the material. |
The same comparison without the tool. The 70% standard pass mark is from the CII’s IF1 unit page; the bands and suggestions are ours. The CII adjusts marks where necessary for the difficulty of each exam version.
After the real exam: what the CII shows you
For an on-screen multiple-choice exam, the CII’s results information page says MyCII shows your score and the percentage of available marks you gained on the questions testing each learning outcome of the syllabus. It adds that you cannot calculate your score by averaging these percentages, because learning outcomes are weighted according to a test specification.
A record of achievement is issued for every unit passed. The CII sends it to your MyCII account, usually within 4 UK business working days of an on-screen multiple-choice exam being taken, and emails you when it is there. If you need to sit IF1 again, read your learning-outcome percentages beside your mock scores by outcome: weak outcomes in both are the ones to study first (our suggestion).
Traps to watch for in IF1 questions
| Trap | What happens | What to do (our suggestion) |
|---|---|---|
| Negative wording | The examination guide says negative wording is emphasised by capitals, for example NOT and CANNOT. Missing it could lead you to choose the wrong option. | Read the stem twice when it contains a capitalised word, and re-read your chosen option against it. |
| Qualifiers in bold | The guide lists words such as maximum, minimum, main, most, normally and usually, which it emphasises in bold type. | Ask which option is best on the facts given, not which is true in general. |
| Calculations | The guide says no question involves complex calculations, but the syllabus asks you to calculate a non-complex claim payment under the pro rata condition of average. | Write the formula down (sum insured divided by value at risk, times the loss) before you look at the options. |
| Changes during the year | As a general rule, the CII does not examine legislative and industry changes earlier than three months after they come into effect, and it lists dated changes on the unit page. | Check the qualification update on the unit page before the exam; it named the Financial Ombudsman Service award limits, examined from 1 July 2026. |
| Time | Two hours for 100 questions is 72 seconds a question on average (our arithmetic). | Use any time left at the end to go through every question again, as the examination guide suggests. |
The traps are drawn from the examination information and examination technique sections of the CII’s IF1 examination guide for 2026, the IF1 syllabus and the qualification update on its unit page; the suggestions are ours.
Official practice from the CII
The CII’s IF1 examination guide for exams from 1 January 2026 to 31 December 2026 can be downloaded from its IF1 unit page. It contains a specimen examination with its answer key and the learning outcome each question covers, and the CII suggests allowing two hours for it. Enrolment plus adds the Knowledge Checker, multiple-choice questions to test your understanding of the study text, and Revision Extra, sold separately, includes self-test quizzes.
Frequently asked questions
Where can I find CII IF1 practice questions?
The CII’s IF1 examination guide, on its IF1 unit page, contains a specimen examination with answers. Its Knowledge Checker (in Enrolment plus) and Revision Extra (sold separately) add practice questions. Independently, the ProSyllabus CII IF1 practice test has two full 100-question exams, three questions of which are free and worked through on this page.
Are the questions on this page real IF1 exam questions?
No. They are original questions written to the learning outcomes of the CII’s 2026 IF1 syllabus. They are not CII specimen or exam questions and the CII has not written or endorsed them.
How long should an IF1 mock take?
Two hours for 100 questions, the time the real exam allows.
Is there negative marking in IF1?
No. The examination guide says no marks are deducted for choosing an incorrect response.
Which rules do these questions follow?
English law and practice and UK insurance regulation as we understand them in October 2026, for the 2026 syllabus; the CII’s syllabus decides what is examined.
More in this series
Sources
- official — CII: IF1 examination guide for exams from 1 January 2026 to 31 December 2026 (published October 2025), with a specimen examination
- official — CII: IF1 Insurance, legal and regulatory, examination syllabus, examined from 1 January 2026 to 31 December 2026 (published October 2025)
- official — CII: IF1 supporting information for the 2026 syllabus (assessment criteria and indicative content per learning outcome)
- official — CII: Insurance, Legal and Regulatory (IF1), unit page with the testing position (read 25 Oct 2026)
- official — CII: Results information (pass marks and the feedback MyCII shows)
official = a document published by the conducting body. reported = a news or coaching site we could not check against an original. Where sources disagree this page says so rather than picking one.
