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2026 Statistics

Key Facts: CCI Exam

1 year

Program Duration

College of Insurance

50%

Passing Mark

COI Kenya

IRA Kenya

Licensing Body

Insurance Act Cap 487

100

Practice Questions

Open Exam Prep

1/3 Limit

Pension Commutation

RBA Kenya

2 Modules

Course Structure

COI Kenya Syllabus

The CCI program from the College of Insurance Kenya is a comprehensive one-year course divided into two modules. It serves as an entry-level pathway into the insurance profession, covering core areas like general insurance, life insurance, business math, accounting, and selling principles. Successful completion validates the knowledge necessary for licensing and practicing within the Kenyan insurance market.

Sample CCI Practice Questions

Try these sample questions to test your CCI exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Which of the following bodies is established under the Insurance Act (Cap 487) of Kenya to regulate, supervise, and develop the insurance sector?

A.Association of Kenya Insurers (AKI)

B.Insurance Regulatory Authority (IRA)

C.Capital Markets Authority (CMA)

D.Insurance Institute of Kenya (IIK)

Explanation: The Insurance Regulatory Authority (IRA) is the statutory agency established under the Insurance Act of Kenya to regulate, supervise, and develop the insurance industry. It is responsible for licensing insurance companies, brokers, agents, and other players in the Kenyan market. The Association of Kenya Insurers (AKI) is an industry trade association, not a regulator.

2Which legal principle of insurance requires that the proposer must disclose all material facts honestly and fully when completing a proposal form?

A.Insurable Interest

B.Indemnity

C.Utmost Good Faith

D.Proximate Cause

Explanation: Utmost Good Faith (Uberrima Fides) is the principle requiring both parties to an insurance contract to disclose all material facts. The proposer must provide accurate details about the risk being transferred, while the insurer must be transparent about the terms of the cover. Failure to disclose material facts can make the insurance contract voidable at the option of the aggrieved party.

3What is the primary role of an insurance broker in the Kenyan insurance market?

A.To act as a direct employee of an insurance company to sell policies

B.To represent the policyholder and act as an independent intermediary in sourcing cover

C.To assess and calculate claim values on behalf of the Insurance Regulatory Authority

D.To settle claims directly using their own funds

Explanation: An insurance broker is an independent intermediary who acts on behalf of the client (the policyholder or buyer). They assist clients in assessing their risks, shopping around the market for the best coverage, and placing the risk with a suitable insurance company. Unlike agents, who represent the insurer, brokers have a fiduciary duty to the client.

4Which of the following best defines the concept of 'Risk' in the context of insurance?

A.The certainty that a financial loss will occur in the future

B.The physical property that is being insured under the contract

C.The uncertainty of a loss occurring or the probability of an adverse event

D.The maximum amount of money an insurer will pay for a claim

Explanation: In insurance, risk is defined as the uncertainty surrounding a loss or the possibility of an adverse event occurring. If a loss is certain to happen, it is not insurable because insurance relies on the pooling of fortuitous (accidental) events. Risk can also refer to the subject matter of insurance (e.g., a building or vehicle) in everyday industry terminology.

5Under the principle of insurable interest, at what point must insurable interest exist for a marine cargo insurance policy to pay out?

A.Only at the time the policy is purchased

B.At the time of the loss, even if it did not exist when the policy was taken out

C.Continuously from the date of policy inception to the date of claim payment

D.Only when the proposal form is signed and submitted

Explanation: For marine cargo insurance, insurable interest must exist at the time of the loss. This is a special exception to the general rule for property insurance (where interest must exist at inception and loss). It allows cargo to be bought and sold while in transit, with the buyer acquiring insurable interest at the point they assume risk, even if they did not own the cargo when the voyage started.

6An insured owns a commercial building valued at KES 10,000,000. They insure it with Insurer A for KES 6,000,000 and Insurer B for KES 4,000,000. If a fire causes a loss of KES 2,000,000, which principle determines how the loss is shared?

A.Subrogation

B.Contribution

C.Average Clause

D.Utmost Good Faith

Explanation: The principle of contribution applies when an insured has double insurance (multiple policies covering the same risk). It prevents the insured from collecting the full loss from both insurers and making a profit. Instead, the loss is shared between the insurers in proportion to their sum insured. Here, Insurer A pays 6/10ths of the loss (KES 1,200,000) and Insurer B pays 4/10ths (KES 800,000).

7Which of the following defines the concept of 'Reinsurance' in the insurance market?

A.A policyholder purchasing a second insurance cover for the same property

B.An insurance company transferring a portion of its accepted risks to another insurer to manage its capacity

C.The renewal of an insurance policy upon its expiration date

D.A legal mechanism where the insured sues the insurer for bad faith

Explanation: Reinsurance is 'insurance for insurance companies'. It is a practice where an insurance company (the ceding company) transfers a portion of the risks it has written to another insurer (the reinsurer) to protect itself against catastrophic losses and manage its underwriting capacity. The reinsurer receives a premium in exchange for agreeing to pay a share of claims.

8In the Kenyan insurance sector, what is the primary purpose of the Policyholders Compensation Fund (PCF)?

A.To provide interest-free loans to newly licensed insurance brokers

B.To compensate policyholders if an underwriting insurance company becomes insolvent

C.To subsidize premiums for low-income agricultural workers

D.To pay for the treatment of road accident victims who do not have insurance

Explanation: The Policyholders Compensation Fund (PCF) is a state corporation in Kenya established under section 179 of the Insurance Act (Cap 487) to protect policyholders by compensating them when an insurer is placed under statutory management or has its licence cancelled. It is funded through a statutory levy charged on premiums. This fund helps maintain public confidence in the stability of the Kenyan insurance sector.

9Under the law of contract, which document constitutes the 'offer' in an insurance transaction?

A.The insurance policy booklet containing all terms

B.The completed and signed proposal form submitted by the prospect

C.The premium payment receipt issued by the agent

D.The renewal notice sent by the insurer

Explanation: In an insurance transaction, the completed and signed proposal form submitted by the prospective client constitutes the legal 'offer' to buy insurance. The insurance company then reviews this offer (underwriting) and decides whether to accept it, reject it, or accept it with special terms. Acceptance is typically signaled by the insurer issuing a cover note or policy document.

10Which of the following is a key professional function of the Insurance Institute of Kenya (IIK)?

A.Licensing insurance agents and approving underwriting tariffs

B.Promoting professional standards, education, and training for insurance practitioners

C.Managing the Policyholders Compensation Fund

D.Investigating insurance fraud cases on behalf of the police

Explanation: The Insurance Institute of Kenya (IIK) is the professional body for insurance practitioners in Kenya. Its primary role is to promote professionalism, ethics, and standards through education, training, and professional examinations. It does not possess regulatory powers like licensing or setting tariffs, which belong to the IRA.

About the CCI Exam

The Certificate Course in Insurance (CCI) offered by the College of Insurance (COI) Kenya is a foundational professional program. It provides the technical and business competencies required for a career in insurance. The curriculum covers key insurance principles, underwriting, claims, accounting, business communication, and the Kenyan regulatory framework overseen by the Insurance Regulatory Authority (IRA).

Assessment

Multiple papers covering Module I and Module II subjects (MCQs, short answer, and essays)

Time Limit

2-3 hours per paper

Passing Score

50%

Exam Fee

KES 2,000 - KES 3,000 per paper (College of Insurance (COI) Kenya)

CCI Exam Content Outline

25%

Fundamentals of Insurance Practice

Nature of risk, legal principles of insurance (utmost good faith, insurable interest, indemnity, subrogation, contribution, proximate cause), and market structure.

25%

General Insurance Practice

Property, liability (WIBA, public liability, professional indemnity), pecuniary, marine, and motor insurance regulations in Kenya.

20%

Long Term Insurance Business Practice

Life assurance products (term, endowment, whole life), underwriting, claims procedures, and retirement benefit pension schemes.

15%

Financial Accounting and Records Management

Double-entry bookkeeping, trial balance, ledger accounts, cash book, and compliant record-keeping under the Kenya Data Protection Act.

15%

Business Calculations and Statistics

Premium and commission calculations, average clause adjustments, claims ratios, probability, and measures of central tendency.

How to Pass the CCI Exam

What You Need to Know

Passing score: 50%
Assessment: Multiple papers covering Module I and Module II subjects (MCQs, short answer, and essays)
Time limit: 2-3 hours per paper
Exam fee: KES 2,000 - KES 3,000 per paper

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

CCI Study Tips from Top Performers

1Master the six core insurance principles and be ready to apply them to legal and claims scenarios.

2Understand the difference between a warranty and a condition precedent under property insurance.

3Practice calculations for the average clause, pro-rata premium refunds, and claim ratios.

4Review the Kenyan Insurance Act Cap 487 and the role of the Insurance Regulatory Authority (IRA).

5Ensure you are familiar with the double-entry rules of accounting and trial balance preparation.

6Study the steps in the selling process, focusing on prospecting, handling objections, and closing techniques.

Frequently Asked Questions

What is the Certificate Course in Insurance (CCI)?

The Certificate Course in Insurance (CCI) is a professional certificate program offered by the College of Insurance (COI) Kenya. It is designed to equip candidates with foundational skills in general and life insurance, accounting, business communication, and selling, serving as an entry point into the Kenyan insurance market.

Who regulates the insurance exams in Kenya?

The College of Insurance (COI) Kenya is the official examining body for local insurance certifications, while the Insurance Regulatory Authority (IRA) is the state regulator that oversees licensing of practitioners and insurance companies.

What are the entry requirements for the CCI program?

Candidates must have a minimum grade of D+ (Plus) in the Kenya Certificate of Secondary Education (KCSE), or hold a Certificate of Proficiency (COP) in Insurance, or have an equivalent qualification approved by the College.

What is the passing score for the CCI exams?

The passing mark for each paper in the CCI exam is 50%. Candidates must pass all papers in both Module I and Module II to be awarded the Certificate.

How does CCI differ from the COP certification?

The Certificate of Proficiency (COP) is a shorter, specialized course primarily designed for licensing insurance agents. The CCI (Craft Course in Insurance) is a more comprehensive, one-year academic and professional program that covers accounting, statistics, and management, providing a broader foundation.