Certificate in Loss Adjusting (Cert CILA)

CH1 – Introduction to the insurance industry

Studying for the certificate CH1 paper will give you an understanding of risk and risk transfer, the different people and organisations that operate within the insurance industry and how contract law applies to insurance policies. You will also gain an insight into how a legal liability might arise and obtain an introduction to the principles of insurable interest, indemnity, proximate cause, contribution and subrogation. You will also learn about the regulation of the insurance market and important statutes.

CH2 – Claims handling

Studying for the certificate CH2 paper will give you knowledge of the various elements of an insurance policy including the implications of policy conditions and warranties. You will learn definitions of the insurance perils with supporting case law. You will also gain an insight into claims validation and the mitigation of losses and learn about terms such as reasonable care and gradually operating cause. You will get an introduction to the Fraud Act 2006 and learn how to deal with aspects of policy application.

CH3 – Advanced claims handling (Handling claims for specific losses)

Studying for the certificate CH3 paper will give you an introduction to more specialist areas such as business interruption claims and factors to consider when handling alternative accommodation claims. You will learn about basic building elements, common buildings damage and the Construction (Design & Management) Regulations. You will also get advice on claims handling in a catastrophe or surge situation and obtain a basic understanding of how to reserve a personal injury claim, along with an overview of the Civil Procedure Rules.

CH1 – Introduction to the insurance industry

1. Risk and risk transfer
2. The parties
3. Contract law
4. Legal liability
5. Insurable interest
6. The duty of fair presentation
7. Indemnity
8. The principles of insurance – proximate cause
9. The principles of insurance – contribution
10. The principles of insurance – subrogation
11. Customer service
12. Communication
13. The Financial Conduct Authority (FCA)
14. The Data Protection Act 1998 and General Data Protection Regulation

CH2 – Claims handling

1. Introduction to the insurance policy
2. Policy conditions and warranties
3. The perils
4. Introduction to claims validation
5. Claims handling – negotiation
6. Mitigation: mitigation measures for household contents evaluating the benefit of repair or restoration Controlling mitigation spend
7. Gradually operating cause
8. Under-insurance: Penalties for under-insurance
9. Repudiations
10. Fraud, detection and prevention
11. Financial crime

CH3 – Advanced claims handling (handling claims for specific losses)

1. Damages and reserving of injury claims
2. Civil procedure rules (as relevant to claims handlers)
3. Claims handling – business interruption
4. Alternative accommodation
5. Catastrophe handling
6. Basic building elements
7. Construction (design and management) Regulations 2015

Lectures will be held on the following dates, between 5.30 – 7.00 pm

The course consists of 18 contact hours, 12 sessions each of 1.5 hours duration (17:30-19:00 CET). A further 40 hours of self-study is required.

‘O’ Level standard of education (MQF Level 3)

To obtain the CILA certificate you must pass CH1, CH2 and CH3

Students taking the examination will make arrangements with the CILA directly, for the purchasing of material and application of examination. Further details may be sought from https://www.cila.co.uk/

• Companies effecting group bookings (four or more participants) are entitled to a 10% discount.
• For group bookings kindly send an e-mail to info@mitcentre.com
• A 25% cancellation fee is payable for cancellations received within 15 days of the start of the programme.
• No refund will be entitled after the commencement date of the programme.