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

About the WUE Exam

WUE is the CII's non-UK underwriting unit, taken by underwriters and by anyone whose work touches risk selection and pricing. 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 moving the actual threshold slightly between sittings.

WUE spreads across eleven learning outcomes — more than any other unit at this level — so breadth matters here in a way it does not elsewhere. Every mock in this bank is assembled to the CII's own weighting.

What each learning outcome covers:

Material facts and hazard. Why an underwriter must know the material facts before assessing a risk; the duties of disclosure and representation and how they can be modified; perils and hazards and the relationship between them; moral and physical hazard and how each shows up in practice; and the methods underwriters use to obtain material facts.

Obtaining information, quoting and collecting premiums. The heaviest outcome in the unit. It covers the questions put to proposers, good practice on quotations, the ways facts are gathered and what each is worth legally, how premiums are calculated and taxed, the legal significance of cover notes and certificates, why premium payment matters for valid cover, and how premiums are collected including by instalment.

Policy wordings. The structure, function and contents of a policy form; the meaning and significance of common exclusions and common conditions; how excesses, deductibles and franchises work; and the distinction between warranties, conditions and representations.

Renewals and cancellation. The legal processes around renewal, and how cancellation clauses operate.

Personal lines products. Features and typical cover for motor, health, household, travel and extended-warranty insurance.

Commercial lines products. Features and typical cover for property, pecuniary and liability insurance.

Support services. Help lines, approved repairers and suppliers, risk advice and uninsured loss recovery.

Underwriting criteria and fraud. The second-heaviest outcome. Underwriting criteria across motor, health and personal lines, commercial property, pecuniary, liability and extended warranties — plus discouraging fraudulent claims, detecting them, the consequences for insurer, insured and claimant, and how fair treatment relates to policy design.

Underwriting data. Sources, availability and types of underwriting data; why claims information drives terms and rates; risk expressed as claims frequency and severity; the claims loss ratio; and the difference between underwriting, policy, accounting and calendar years.

Risk premium and reporting. The risk premium and its key features, and the reporting factors layered on top — expenses, return on capital, investment income, tax and remuneration.

Market cycle, accumulation and reinsurance. The factors driving the underwriting cycle, the principles of risk accumulation, and basic reinsurance considerations and types.

How to use this bank

Two outcomes — obtaining information and premiums, and underwriting criteria and fraud — together account for well over a third of the paper. Get those secure before you spread yourself across the remaining nine.

The distinctions in this unit are where candidates lose marks: excess against deductible against franchise, warranty against condition against representation, underwriting year against accounting year. Each pair looks obvious until it appears in a scenario with a plausible wrong answer beside it. When you get one wrong, read the explanation for every option, not only the one you picked.