Pass WCE with 375 exam-realistic questions and feedback that tells you exactly what to fix.

About the WCE exam

WCE is the CII's non-UK claims unit, taken by claims handlers and by anyone whose work depends on how claims are assessed, settled and controlled. The exam is 75 multiple-choice questions in two hours, four options per question, no negative marking. The nominal pass mark is 70%, with CII standard-setting applied to each sitting.

WCE is unusually evenly weighted: four of its seven outcomes carry almost identical weight. There is no single outcome you can lean on, and none you can afford to skip.

What each learning outcome covers

Validity and proximate cause. The legal requirements for a valid claim; the types of policy condition that bear on claims; the documentary and supporting evidence needed on notification; and proximate cause and how it is applied in practice.

Policy covers. The features, extensions and exclusions of motor policies; household, gadget, travel and extended-warranty policies; commercial property and pecuniary policies; commercial liability policies; and health policies.

The claims function. The role of the claims department; service standards and managing customer expectations; the different parties to a claim; claims estimating and how reserving operates; how fraud affects claims; ensuring customers are treated fairly; and resolving or escalating disputes and complaints.

Handling procedures. The procedures that apply to motor claims; household, gadget, travel and extended warranty; commercial property and pecuniary; commercial liability; and health — plus the roles played by external support services throughout.

Claims systems and structure. The key features, structure and objectives of different claims systems, and how the claims function sits within functional as against divisional organisational structures.

Settlement and recoveries. The ways a claim can be settled; why a full indemnity is not always paid; how insurers recover the cost of claims; and mitigating the risk of untraced and uninsured drivers.

Claims management. The role of the claims manager; identifying and reducing claims leakage; financial monitoring and its impact on company results; and the basis and significance of reserving practice.

How to use this bank

Because the weighting is so even, your outcome-by-outcome breakdown matters more in WCE than in almost any other unit. A single weak outcome here costs you proportionally more than it would in a unit with one dominant topic — there is no large, strong area to carry it.

Proximate cause is the concept candidates most often think they understand and most often get wrong under time pressure. Work through every proximate cause explanation in this bank carefully, even where you answered correctly. The same goes for the settlement outcome: the reasons a full indemnity is not paid are individually straightforward and collectively easy to confuse.