WHY - WHAT - Chartered Institute of Loss Adjusters
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The Chartered Institute of Loss Adjusters
PROSPECTUS 2021
WHY
Why study for a
CILA qualification?
WHAT Pathway to
CILA qualifications
HOW
Sitting a CILA exam
Resources and support
2 CILA Prospectus 2021 CILA Prospectus 2021 3
WHY
Why choose a WHY STUDY
FOR A PROFESSIONAL
Why choose CILA
career in claims? QUALIFICATION? qualifications?
Our world can be an unexpected Every CILA exam syllabus is developed and
reviewed with working loss adjusters and so you
place. People and businesses want INVESTMENT will study subjects that are super relevant and
to protect the things that are in your own professional useful to your role as a claims professional.
important to them and insurance development
provides a promise to be there Our study materials are produced by experienced
loss adjusters and so you will benefit from the
when the unexpected happens. extensive knowledge and life lessons they have
Claims professionals help to make KNOWLEDGE learnt during their career.
to help you do things correctly
insurance promises come to life. and excel in your role
Choosing a career in claims is an opportunity to help The CILA qualification framework is designed
people and businesses recover from unexpected to advance both your technical knowledge and
fires, floods, accidents and much more. It is a how you handle claims in practice.
rewarding and super interesting profession that CONFIDENCE
will lead you to meet and work with people from to make decisions and take Bournemouth University oversee our qualifications
all walks of life. You will sometimes be required to action independently to ensure they are fair to candidates and delivered
make decisions and take action in an emergency to a high standard.
situation whilst on other days you will need to
find creative solutions to very peculiar problems.
CILA qualifications are included in Insurance
Ethical behaviour and integrity are cornerstones RECOGNITION Apprenticeship standards and are mutually
of the profession and so you will be expected to of your expertise by the
observe high standards of conduct in whatever role recognised by other professional bodies, such as
public, your workplace and
you choose. the Chartered Insurance Institute.
the wider insurance sector
What about the future? Well, the world is always
CILA qualifications were established by the
evolving and the insurance claims of the future
loss adjusting community and continue to
are likely to be influenced by climate change and
extreme weather, cyber-attacks, Covid-19 and our READY be actively supported by our profession.
shifting political landscapes. Talented individuals to embrace career
with new ideas and fresh perspectives will have opportunities and take the The specialist knowledge and expertise held by
a role in shaping how the claims of the future are next steps in your career a Chartered Loss Adjuster is recognised and
handled, with a focus on sustainability. There will respected throughout the insurance sector.
always be new risks on the horizon and so a
career in claims is a lifelong journey of learning
and personal growth.
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4 CILA Prospectus 2021 CILA Prospectus 2021 5
WHAT Plot your
path to
Your CILA qualification
qualification
journey begins by
becoming a CILA ORDINARY STUDENT
member. Membership Join as an ordinary member if you work Join as a student member if you want to
within in a loss adjusting practice, firm achieve CILA qualifications but do not
is open to anyone with or company. work within a loss adjusting practice,
a commitment to be firm or company. Student members are
required to attempt a CILA examination
a claims professional. within two years of joining the Institute.
Certificate Diploma Advanced Associate Fellow
Diploma or Certified
START
CH1 CH2 CH3 DP1 DP2 DP3 AD1 AD2 ACS CRITICAL 5 YEARS
EXAM EXAM EXAM EXAM EXAM EXAM EXAM EXAM EXAM ANALYSIS OF CPD
RECOGNITION OF PRIOR LEARNING - ALTERNATIVE ENTRY POINTS AND EXEMPTIONS
You are able to start at CH2 by obtaining You are able to start at DP1 if you hold an appropriate degree In addition to completing the ACS exam
an exemption from CH1 if you hold the or other professional qualification. and Critical Analysis you must also
Chartered Insurance Institute’s (CII) demonstrate that you have at least
Certificate or have passed CII papers IF1 You are able to start at DP3 by obtaining exemptions from 5 years of experience working as a loss
(Insurance, legal and regulatory), IF2 DP1 and DP2 if you hold one of the following qualifications: adjuster (reduced to 3 years if you hold
(General Insurance business) and IF4 • Chartered Insurance Institute – Diploma in Insurance (Dip CII) a professional qualification approved by
(Insurance Claims Handling process). • Chartered Insurance Institute – Advanced Diploma in the Institute). If this experience is gained
Insurance (ACII) whilst working for a Chartered Loss
Adjusting firm/s you will be eligible to
• Chartered Insurance Institute – Fellowship (FCII)
become an Associate of the CILA (ACILA).
• Insurance Institute of Ireland – Professional Diploma in If this experience is gained whilst working
Insurance (CIP) for a firm/s which is not a Chartered Loss
• Malaysian Insurance Institute – Diploma (DMII) Adjusting firm you will instead be eligible
• Singapore College of Insurance – Diploma in General to become a Certified Member of the
Insurance and Risk Management (DGIRM) CILA (MCILA).
• Australian and New Zealand Institute of Insurance and
Finance – Diploma of General Insurance
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6 CILA Prospectus 2021 CILA Prospectus 2021 7
Studying for the CILA Certificate qualification will give you
an essential understanding of the insurance market, the
principles of claims handling and specific claims handling
Certificate
issues. Attaining the Certificate qualification will provide
you with an excellent foundation in claims handling and will
also allow you to progress to the CILA Diploma exams.
Benchmarked as a
level 3 qualification (A-level)
Entry Requirements • have passed CII papers IF1 (Insurance, the implications of policy conditions and
legal and regulatory), IF2 (General warranties. You will learn definitions of
The CILA Certificate is an entry level Insurance business) and IF4 (Insurance the insurance perils with supporting case
qualification which is open to any Claims Handling process) law. You will also gain an insight into
member of the CILA. claims validation and the mitigation of
Credits of equal or higher value than the
losses and learn about terms such as
CII Certificate will not be sufficient as an
Assessment reasonable care and gradually operating
exemption from CH1.
cause. You will get an introduction to the
To obtain the CILA Certificate
Fraud Act 2006 and learn how to deal
qualification you must pass the following What will I learn? with aspects of policy application, such
multiple choice exams:
CH1 - Introduction to the Insurance as underinsurance.
1. CH1 Industry CH3 - Advanced Claims Handling
Introduction to the Insurance Industry
Studying for the Certificate CH1 exam (Handling Claims for Specific Losses)
45 questions in 60 minutes
will give you an understanding of risk Studying for the Certificate CH3 exam
2. CH2 and risk transfer, the different people will give you an introduction to more
Claims Handling and organisations that operate within the specialist areas such as business
45 questions in 60 minutes insurance industry and how contract law interruption claims and factors to
applies to insurance policies. You will also consider when handling alternative
3. CH3
gain an insight into how a legal liability accommodation claims. You will learn
Advanced Claims Handling
might arise and obtain an introduction to about basic building elements, common
(Handling Claims for Specific Losses)
the principles of insurable interest, duty buildings damage and the Construction
45 questions in 90 minutes
of fair presentation, indemnity, proximate (Design & Management) Regulations.
Build your confidence
cause, contribution and subrogation. You You will also get advice on claims
Exemptions will also learn about the regulation of the handling in a catastrophe or surge
You are able to obtain an exemption insurance market and data protection. situation and obtain a basic
with a foundation
from the CH1-Introduction to Insurance CH2 - Claims Handling understanding of how to reserve a
exam if you: personal injury claim, along with an
Studying for the Certificate CH2 exam
• hold the Chartered Insurance overview of the Civil Procedure Rules.
will give you knowledge of the various
of claims knowledge
Institute’s (CII) Certificate – Cert CII elements of an insurance policy including
How will I study & how long How much will it cost?
will it take? Each exam entry costs £200 and so the
You will be provided with bespoke total cost to enter all three Certificate
40/60h £600 learning material to help you study for exams will be £600. The bespoke
learning material is included in the price
the CILA Certificate exams. We estimate
that if you are starting out in your career of each exam entry.
CH1 and CH2 will take between 40 to 60 A charge of £60 applies if you wish to
hours of study per exam. CH3 is likely to obtain an exemption from the CH1–
take 60 hours of study. Introduction to Insurance exam.
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8 CILA Prospectus 2021 CILA Prospectus 2021 9
Develop
The CILA Diploma requires you to develop an in depth
understanding of the principles of insurance, along with
comprehensive knowledge of the insurance market. Your growth
Diploma
as a claims professional will further be enhanced by studying
the essential subjects of customer service and ethics. and grow
Benchmarked as a level
Successful attainment of the CILA Diploma will also enable
you to progress to the CILA Advanced Diploma exams. as a claims
professional
4 qualification (First year of University)
Entry Requirements info@cila.co.uk and include full details What will I learn?
of the qualifications you would like
Entry to the Diploma exams is open to CILA considered. DP1 – The Principles of Insurance 1
members who hold the CILA Certificate Studying for the Diploma DP1 exam will
or any of the following:
Assessment develop your understanding of utmost
good faith, duty of fair presentation,
Recognised qualifications To obtain the Diploma qualification you insurable interest and indemnity. You will
• Chartered Insurance Institute – must pass the following exams: also learn about claim procedures such as
Diploma in Insurance (Dip CII) onus of proof, acceptance forms, forms
1. DP1: The Principles of Insurance 1
• Chartered Insurance Institute – of discharge, assignment, mandates
Advanced Diploma in Insurance (ACII)
2 hour exam comprising 10
compulsory questions which require and validation of quantum. You will gain
• Chartered Insurance Institute – knowledge of the Financial Conduct
Fellowship (FCII) short essay style answers
Authority (FCA) handbook and the role of
• Insurance Institute of Ireland – 2. DP2: The Principles of Insurance 2 the Insurance Fraud Bureau (IFB). You will
Professional Diploma in Insurance (CIP) 2 hour exam comprising 10 also study the law of contract, including
• Malaysian Insurance Institute – compulsory questions which require
Diploma (DMII) terms such as contra proferentem rule,
short essay style answers offer, acceptance and consideration.
• Singapore College of Insurance –
Diploma in General Insurance and 3. DP3: Customer Service & Ethics You will develop your understanding of
Risk Management (DGIRM) 2 hour exam comprising 10 torts including negligence, nuisance
• Australian and New Zealand compulsory questions which require and trespass. You will also study
Institute of Insurance and Finance – legislation relevant to insurance, such as of how the insurance market operates DP3 – Customer service & Ethics complaints. You will gain knowledge of
short essay style answers
Diploma of General Insurance the Riot Compensation Act 2016. including the functions of loss adjusters, Studying for the Diploma DP3 exam will SERVQUAL, the Consumer Rights Act
loss assessors, underwriters, the Financial give you an understanding of the 2015, the FCA and Fair Treatment of
The Institute will also consider entry
Exemptions DP2 – The Principles of Insurance 2 Ombudsman Service (FOS) and risk Customers. You will study ethical theories
importance of good customer service and
based on other academic or professional You are able to obtain an exemption from Studying for the Diploma DP2 exam will managers. You will also study legislation sound business ethics in a loss adjusting and explore ethical decision making and
qualifications depending on their two exams, DP1 – The Principles of develop your understanding of proximate relevant to insurance, such as the context. You will study the subject of ethical dilemmas. You will also learn how
relevance and level of study, including Insurance 1 and DP2 – The Principles cause, subrogation and contribution. You Third Parties (Rights against Insurers) customer service, when it takes place, its ethical organisations are built in a diverse
professional qualifications which are of Insurance 2 if you hold one of will also learn the legal principles relating Regulations 2016 and the Fires benefits and different forms. You will also and global environment, including aspects
attained outside of the UK. Enquiries the qualifications listed (see Recognised to transfer of ownership of property and Prevention (Metropolis) Act 1774. learn how to measure and manage such as corporate governance, corporate
should be submitted by email to qualifications box in previous column). goods. You will develop your knowledge service quality, including response to social responsibility and whistleblowing.
How will I study & from the recommended text books How much will it cost? be purchased at a discounted price of
how long will it take? Property Insurance Law and Claims and
Each exam entry costs £200 and so the
£30 if you entered to sit a CILA exam.
Law Made Simple and other useful
You will be provided with bespoke total cost to enter all three Diploma A charge of £120 applies if you wish to
reference sources.
learning guides for the DP1 and exams is £600. The study guides for the obtain an exemption from the DP1 –
50/60h £600 DP2 exams and learning material We recommend that you allow DP1 and DP2 exams and the learning The Principles of Insurance 1 and DP2 –
for the DP3 exam. The DP1 and between 50 to 60 hours of study for material for the DP3 exam are included in The Principles of Insurance 2 exams.
DP2 learning guides include advice each Diploma exam. the price of the relevant exam entry.
and direction on additional reading
One of the recommended text books,
Property Insurance Law and Claims, can
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10 CILA Prospectus 2021 CILA Prospectus 2021 11
The CILA Advanced Diploma requires you to have a thorough
understanding of the principles of insurance and how these may
Advanced be applied in the handling of claims. It also provides you with the
opportunity to specialise in a type of claim, from a choice of:
Diploma Property (Domestic), Property (Commercial), Liability, Business
Interruption or Subsidence. The Advanced Diploma is perfect for
those who wish to handle more complex claims as part of their
Benchmarked as a career progression.
level 6 qualification (Degree level)
Entry Requirements an AD2 exam from a choice of: Property research cyber insurance cover and learn
(Domestic), Property (Commercial), about policies such as First Loss. You will
Entry to the Advanced Diploma exams is Liability, Business Interruption or also gain an understanding of dispute
open to CILA members who hold the Subsidence. resolution and study the principles of
CILA Diploma, or to any member who ethics and Fair Treatment of Customers.
has passed one of the former Advanced
Diploma exams (C1, C2 and C3) in the
Exemptions AD2 – Adjustment of Claims
previous 6 years. There are no exemptions available for Studying for the AD2 exam will further
the Advanced Diploma exams. develop your understanding of how to
Assessment manage and settle claims in a just and
To obtain the CILA Advanced Diploma
What will I learn? fair manner. You will hone your ability
to explain and support your rationale
qualification you must pass the following AD1 – Application of the Principles for settlement proposals. You will
exams: of Insurance thoroughly understand typical policy
1. AD1 Studying for the AD1 exam will give wordings for elements such as the
Application of the Principles of you a thorough understanding of the reinstatement memorandum and public
Insurance appropriate processes to investigate, authorities’ clauses. You will also gain an
3½ hour essay style exam manage, quantify, validate and resolve understanding of business interruption
comprising 5 questions from a claims, whilst applying the principles of (BI) cover and the components of BI
choice of 6. insurance including insurable interest, claim calculations. You will research
indemnity, proximate cause, contribution building construction and obtain
2. AD2 and subrogation. You will investigate the knowledge of CDM regulations, party
Adjustment of Claims cover that is provided by typical domestic wall legislation, asbestos management
3½ hour essay style exam and commercial Perils based and All Risks and the engagement of Contractor
comprising 5 questions from a policies. You will learn about warranties, Networks. You will also explore how
choice of 6. policy extensions and the application cyber cover operates. In addition, you will
The AD2 exam includes questions of average. You will examine how to study the policy coverage and claims
which are relevant to particular types of validate a loss and address issues such handling issues associated with your
claims. In advance of the exam sitting, as diminution in market value. You will choice of exam.
candidates are therefore asked to select
How will I study & How much will it cost?
how long will it take? Each exam entry costs £200 and so the
The CILA Advanced Diploma qualification total cost to enter the two Advanced
Make complex decisions
requires you to undertake your own Diploma exams is £400.
reading and research in preparation for
100/120h £400 the exams. There is a syllabus for each
One of the recommended text books,
Property Insurance Law and Claims, can
using comprehensive
paper and we recommend that you use
be purchased at a discounted price of
this as the framework for your study.
£30 if you entered to sit a CILA exam.
To help get you started the Institute
provides a recommended reading list.
We recommend that you allow between
100 to 120 hours of study for each exam. claims knowledge
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The CILA Associate qualification is the gold standard in
claims. It demonstrates that you have depth and breadth of
knowledge and proven experience in the successful handling
Associate
of claims. Becoming an Associate of the CILA is a significant
achievement and enables you to describe yourself as a
Chartered Loss Adjuster.
Benchmarked as a
level 7 qualification (Masters level)
Entry Requirements The assessment criteria includes gained whilst working for a Chartered
technical knowledge, informed decision Loss Adjusting firm/s you will be eligible
Entry to the Associate assessment making, effective claim management to become an Associate of the CILA
process is open to CILA members who and effective communication. In advance (ACILA). If this experience is gained
hold the CILA Advanced Diploma. of the exam sitting, candidates are whilst working for a firm/s which is not
asked to select an ACS exam from a a Chartered Loss Adjusting firm you will
Assessment choice of: Property (Domestic), Property instead be eligible to become a Certified
(Commercial), Liability, Business Member of the CILA (MCILA).
To become an Associate of the CILA you
Interruption or Subsidence.
must pass an assessment process called
Accreditation for Chartered Status (ACS) The Critical Analysis and ACS exam may Exemptions
which includes: be attempted/completed in any order. There are no exemptions available for
1. Critical Analysis In addition to completing the ACS any part of the ACS assessment process.
3000 word Critical Analysis of a claim assessment process you must also
demonstrate that you have at least
2. ACS Exam
5 years of experience working as a loss
3½ hour essay style exam based
adjuster (reduced to 3 years if you hold
on a claim scenario and comprising
a professional qualification approved
4 compulsory questions.
by the Institute). If this experience is
How will I study & review your communication skills and
how long will it take? identify techniques or approaches that
work well in different claim scenarios.
Demonstrate
The ACS process requires you to reflect
We recommend that you allow between
50/75h £250 on the technical knowledge and practical
experience you have acquired. You will 50 to 75 hours of preparation for the
Critical Analysis and 50 to 70 hours of
critical thinking
consider your development as a claims
professional, in particular, the lessons study for the ACS exam.
you have learnt and the skills you
have honed. How much will it cost?
You will revisit the technical knowledge
you gained whilst studying for the
Advanced Diploma. You will examine
The entry fee for the ACS exam is £200
and the submission fee for the Critical
Analysis is £50 and so the total cost for
and exceptional
expertise in
how you make decisions and identify the ACS assessment process is £250.
what is required to make informed
decisions in the handling of claims.
claims
You will also reflect on how to manage
claims effectively and study the CILA’s
Guide to Professional Conduct. You will
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14 CILA Prospectus 2021 CILA Prospectus 2021 15
Ready when
you are
HOW
SITTING A CILA EXAM
All CILA exams are sat using a computer
and you simply book your exam sitting for
a date and time that suits you. Inclusive access
Our exams are delivered in partnership with
to exams
the exam facilitator, Pearson Vue, and they Comfort aids such as
offer 2 options for sitting a CILA exam: medicine, medical devices and
mobility devices are allowed
in Pearson Vue test centres.
AT A PEARSON A full list of approved comfort
VUE TEST CENTRE aids can be found on the
Pearson Vue website.
Pearson Vue test centres are located throughout the world and
you can find your nearest test centre by visiting the Pearson Vue
website at: http://www.pearsonvue.com/cila/ Test accommodations, such as
If a test centre is not available in your country, please contact extra testing time or a separate
the Institute at info@cila.co.uk for assistance. testing room, can also be
pre-arranged with Pearson Vue.
Test accommodations are
based on a documented need
AT HOME OR and are considered on a case-
by-case basis.
IN YOUR OFFICE
Pearson Vue also offer the option to sit a CILA exam at home or
Nursing mothers are able to
in your office using an online invigilation service called OnVUE.
An online invigilator will observe and monitor your exam request a test accommodation
through specialist software and the webcam and microphone in order to breastfeed, express,
on your computer. or pump breast milk during
We recommend that you familiarise yourself with the OnVUE
their exam.
system requirements, policies and procedures before selecting this
method of examination. Detailed information can be found on Further information about test
the Pearson Vue website at: http://www.pearsonvue.com/cila/ accommodations can be found
on the Pearson Vue website.
NOTE: Purchasing an exam voucher is part of the process to sit
a CILA exam and each voucher is typically valid for 12 months
from the date of purchase. You must sit your exam before the
expiry date on your exam voucher.
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16 CILA Prospectus 2021 CILA Prospectus 2021 17
HOW
RESOURCES
AND SUPPORT
Studying for a professional qualification Easy to read learning Preparation guide for Discounted text book,
is a wonderful opportunity to enrich material for all Accreditation for Chartered Property Insurance
Certificate exams Status (ACS) assessment Law and Claims
your knowledge and enjoy the
FREE: Our Certificate learning material FREE: The ACS assessment process £30: The main recommended text book
experience of continued learning. covers all aspects of the Certificate includes an exam and submission to support you in your study for the
syllabus and uses simple, everyday of a 3,000 word Critical Analysis. Diploma and Advanced Diploma exams
We understand that you are likely to examples to explain principles and The Institute has produced a top tips is called Property Insurance Law and
have other commitments alongside your introduce you to relevant case law.
The learning material will be provided
guide to help you prepare for your
ACS exam and successfully complete
Claims. The recommended retail price
is £125 but CILA exam candidates can
studies and so you will want the time to you in a downloadable pdf for your Critical Analysis. You are also able purchase this for a discounted price of
spent on achieving a CILA qualification each exam. to access a sample Critical Analysis £30. This book will not only help you in
with examiner commentary. your CILA exam preparation but will
to be focused, rewarding and successful. Bespoke learning guides and assist you in your day to day handling
material for Diploma exams CILA Technical Library of claims.
With this in mind and with the help FREE: We have created bespoke learning FREE: The CILA Technical Library is an
Introductory text book
of our Chartered members, we have guides for the Diploma DP1 & DP2 exams online library that is only available to
on business interruption,
created a range of resources to direct and learning material for the DP3 exam.
The DP1 and DP2 exams require you to
CILA members. It contains technical
papers and webinar recordings on a The Basic Business
and guide you in your studies. undertake some supplementary reading diverse range of subjects, including topics Interruption Book
and research but the learning guides which relate to the various exam syllabi. FREE: You are required to understand
clearly explain what you need to business interruption insurance as part
understand and where to find useful Qualification events of the Advanced Diploma qualification.
information. The learning guides and The Basic Business Interruption Book is a
FREE: Throughout the year we host
learning material are provided to you in short, easy to read book which will guide
seminars, workshops and webinars
downloadable pdfs. you through the principles of business
to support our members in their
qualification studies. Our live events interruption insurance and what is
Recommended reading list commonly covered by policies. Simply
typically include the opportunity to
for Advanced Diploma exams ask questions and seek advice from download a copy from the CILA website.
FREE: The Advanced Diploma expert speakers.
Let’s get you
qualification requires you to undertake Sample exam questions
your own research using the subjects on FREE: Sample exam questions for all
the exam syllabus as the framework for levels of qualification are available on
your study. To help get you started the
qualified!
the CILA website.
Institute has produced a recommended
reading list, with suggested sources
for where you might find relevant
information for each exam, including
the different specialist exams.
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18 CILA Prospectus 2021
Further professional Ready to start your CILA
development qualification journey?
Fellow The first step is to become a member of the CILA and
you can apply for membership online through the CILA
Associate members are able to apply to become a Fellow website at: www.cila.co.uk/cila/become-a-member
of the CILA when they have successfully completed and
recorded 5 years of Continuing Professional Development (CPD) A member of the Institute team will review and process
in a role where their predominant activity is the investigation, your membership application and then contact you,
management, quantification, validation and resolution of typically by email, with advice on how to progress your
Property, Casualty or any other losses. The fee for elevation CILA qualification journey.
to Fellow is £30. Entry level membership has an annual subscription fee
of £55. The subscription year runs from 1st January to
Master of Research (MRes) the 31st December. You may join the Institute at any
Associates and Fellows of the CILA are eligible to undertake a time during the year but please note your next annual
Masters by Research course through Bournemouth University. subscription will be due on 1st January the following year.
The MRes course is an opportunity to grow your research skills
whilst also acquiring a deep understanding of a subject that
particularly interests you.
Assessment is by submission of a thesis (approximately 30,000
words) and a viva voce (viva). The course can be completed in a
year on a full time basis or over two years on a part time basis.
Contact Dr Parisa Gilani, Senior Lecturer at Bournemouth
University for further information – pgilani@bournemouth.ac.uk
Got a question?
Feel free to contact us if you have any questions or would like some advice about CILA qualifications.
The Institute team are available from 9am to 5pm, Monday to Friday and can be contacted at:
+44 (0) 20 381 5720 info@cila.co.uk 20 Ironmonger Lane, www.cila.co.uk
London, EC2V 8EP
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