Chartered Insurance Institute · RQF Level 3
CII Level 3 Certificate in Insurance
You don’t just earn this. You learn to use it, one-to-one, on your own real work.
- LevelRQF Level 3
- Total credits16
- Guided learning107 hours
- Units in this qualification16
Awarded by Chartered Insurance Institute · on the Ofqual register
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See how this course maps onto your role
Ten quick questions, one per Future Fluency, asked against this qualification rather than a generic one.
About 5 minutes · No card · Nothing to commit to
What you’ll learn
What each unit actually teaches you to do
The Certificate in Insurance is a core qualification for insurance staff working across all sectors of the industry (and the logical progression from the introductory-level Award for the Foundation Insurance Test). Candidates can take either IF1 or LM1 and LM2 or W01/WH1/HGT (Non-UK candidates only).
These are the units Chartered Insurance Institute registers against this qualification. It is a catalogue, not a syllabus. Which of them you take depends on the combination the qualification requires, and that is set by the awarding body rather than by us. Every unit here is regulated, and every one you earn is yours to keep.
Customer service in insuranceReal unit · Chartered Insurance Institute
What you'll be able to do
- Fulfil customer requirements in the insurance sector
- Understand the importance of customer feedback to improve service in the insurance sector
- Understand the importance of good communication to maintain and build client relationships in the insurance industry
- Deal with conflict within an insurance environment
- Understand the importance of keeping accurate and confidential records when dealing with customers
- Manage own workload and time to meet business requirements and timescales
- Work with others to achieve team and organisational objectives
- Understand the sales process
- Increase sales activities
- Know the main regulatory and legal requirements applicable to the application of insurance business
Financial protectionReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the consumer and retail market factors and trends relevant to financial protection
- Understand the areas of need for protection planning and the main sources of financial protection
- Understand the role and limitations of State Benefits and state/local authority funded solutions for financial protection
- Understand the range, structure and application of life assurance and pension based policies to meet financial protection needs
- Understand the taxation treatment of life assurance and pension based protection policies
- Understand the range, structure and application of income protection insurance and options to meet financial protection needs
- Understand the range, structure and application of critical illness insurance to meet financial protection needs
- Understand the range, structure and application of long term care insurance to meet financial protection needs
- Understand the main features of other insurance based protection policies
- Understand the needs and priorities for financial protection and the relevant factors in selecting appropriate solutions
General insurance businessReal unit · Chartered Insurance Institute
What you'll be able to do
- Know insurance products and associated services for general insurance business, including their features and benefits.
- Understand underwriting and policy wordings for general insurance business, including their interpretation and application.
- Apply knowledge of principles of premium calculation of general insurance business to a given set of circumstances, including rating factors and discounts.
- Understand claims within the context of general insurance business, including claims handling procedures and settlement options.
- Apply knowledge of principles concerning the operation of policy conditions affecting claims for general insurance business to a given set of circumstances, including exclusions and limitations.
- Understand information and communication technology, security, confidential information and data protection within general insurance business, including relevant legislation and best practices.
- Understand customer service within general insurance business, including communication skills and complaint handling.
Group RiskReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the fundamental nature of the group risk market
- Understand the main purpose and nature of different types of employee benefits
- Understand the main elements of the State benefit system in the UK
- Understand the UK taxation of individuals, companies, partnerships and trustees
- Understand the legislative context in which group risk operates
- Understand the regulatory context in which group risk operates
- Understand the principles of operation of group risk schemes
- Understand group risk product features and the taxation of premiums and benefits
- Understand the roles and responsibilities of an intermediary arranging group risk cover
- Understand the main functions of an insurer in providing group risk cover
- Understand the main functions of a reinsurer and their relationship with insurers in the group risk market
Healthcare insurance productsReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the structure of the UK healthcare insurance market
- Understand the key features of healthcare provision in the UK and overseas
- Understand healthcare product types
- Understand the different roles and responsibilities of intermediaries and providers
- Understand risk assessment, rating and underwriting considerations
- Apply the principles of risk assessment, rating and underwriting considerations to a given set of circumstances
- Understand the claims function
- Apply the principles of the claims process to a given set of circumstances
- Understand legal and regulatory considerations
- Apply the principles contained within law and regulation to a given set of circumstances
Household insurance productsReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the scope of cover typically provided by household insurance products
- Apply knowledge of the cover provided by household insurance products to specific scenarios
- Understand the legal and regulatory considerations relevant to household insurance products
- Apply knowledge of legal and regulatory considerations to specific household insurance scenarios
- Understand the principles of risk assessment, rating, and underwriting for household insurance products
- Apply knowledge of risk assessment, rating, and underwriting to specific household insurance cases
- Understand the standard claims procedures within the context of household insurance products
- Apply knowledge of claims procedures to specific household insurance claims scenarios
Insurance broking fundamentalsReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the structure and dynamics of the insurance broking market
- Understand the role and responsibilities of an insurance broker in the provision of insurance products and services to clients
- Understand the principles of contract and agency law as they relate to insurance brokers and their clients
- Understand the key legal and regulatory issues affecting insurance brokers and their operations
- Understand the key financial issues affecting insurance brokers and their businesses
- Understand issues relating to the professional conduct and ethical culture of insurance broking business
Insurance claims handling processReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the general principles in the claims handling process, including fairness, efficiency, and customer service.
- Understand insurance products and associated services, and how they relate to claims handling.
- Understand claims considerations and administration, including policy coverage, liability assessment, and documentation.
- Understand claims handling procedures and related claims services, including investigation, negotiation, and settlement.
- Understand claims handling systems, including their features and benefits.
- Understand claims settlement, including different methods of settlement and legal considerations.
- Understand how expenses are managed within the claims handling process, including cost control and fraud prevention.
Insurance products and/or processesReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the nature and main features of specific insurance product(s) and/or process(es) within a given organisation
- Understand the main regulatory and legal requirements applicable to specific insurance product(s) and/or process(es) within a given organisation
Insurance underwriting processReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the material facts relating to the insurance underwriting process, including risk assessment and information gathering.
- Understand underwriting procedures relating to the insurance underwriting process, including policy issuance and documentation.
- Understand insurance policies in relation to the insurance underwriting process, including policy terms and conditions.
- Understand renewals and cancellation in relation to the insurance underwriting process, including procedures and considerations.
- Understand personal insurances in relation to the insurance underwriting process, including different types of personal insurance and their features.
- Understand commercial insurances in relation to the insurance underwriting process, including different types of commercial insurance and their features.
- Understand the main ‘support’ type insurance services available, such as risk management and loss control.
- Understand underwriting considerations in relation to the insurance underwriting process, including risk factors and pricing.
- Understand the principles and practices of pricing within the insurance underwriting process.
- Understand pricing factors within the context of the insurance underwriting process, including claims history and market conditions.
- Understand managing exposure within the context of the insurance underwriting process, including risk mitigation and reinsurance.
Insurance, legal and regulatoryReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the nature and main features of risk within the insurance environment
- Apply the main features of risk and risk management to a given set of circumstances
- Understand the main features of insurance
- Know the structure and main features of the insurance market
- Understand contract and agency
- Understand insurable interest and its place in insurance
- Understand the principle of utmost good faith
- Understand the doctrine of proximate cause and its application to non-complex claims
- Understand the principle of indemnity and how this is applied to contracts of insurance
- Understand the principles of contribution and subrogation
- Understand the main regulatory and legal requirements applicable to the transaction of insurance business
- Understand consumer protection and dispute resolution
- Know the main methods of preventing, handling and resolving consumer complaints
- Understand the CII Code of Ethics and be able to apply the principles to non-complex scenarios
Introduction to risk managementReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the basic elements of risk
- Understand how risk can be identified and analysed
- Understand how risk can be evaluated
- Understand how risk can be treated
- Understand how risk is managed in practice
- Understand the elements of business continuity, continuity management and crisis management
London Market Insurance EssentialsReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand basic terminology used within the general insurance market, including key definitions and concepts.
- Understand the fundamental principles of insurance, such as indemnity, insurable interest, and utmost good faith.
- Understand the main classes of insurance written in the London market, including property, liability, and marine insurance.
- Understand the insurance cycle, including its phases and impact on the market.
- Understand reinsurance within the insurance market, including its purpose and different types of reinsurance.
- Understand the structure of the London Market, including the roles of different participants such as brokers, underwriters, and insurers.
- Understand the London market regulatory and legal environment, including key regulations and legislation.
- Understand the importance of appropriate systems and controls within insurance organisations.
- Understand data protection and money laundering legislation and requirements, and their implications for insurance operations.
- Understand the broker's role in the way that business is conducted in the London Market, including their responsibilities to clients and insurers.
- Understand the underwriter's role in the way that business is conducted in the London Market, including risk assessment and pricing.
London Market Insurance Principles and PracticesReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the business nature of the London Market, including its history, structure, and key participants.
- Understand the main classes of insurance written in the London Market, including property, liability, and marine insurance.
- Understand reinsurance within the insurance market, including its purpose, types, and impact on market capacity.
- Understand Market Security, including the measures in place to protect policyholders and maintain market integrity.
- Understand the regulatory and legal requirements applicable to the transaction of insurance business in the London Market, including relevant legislation and codes of conduct.
- Understand insurance intermediation in the London Market, including the role of brokers and other intermediaries.
- Understand the underwriting function within the context of the London Market, including risk assessment, pricing, and policy issuance.
- Understand the way that business is conducted in the London Market, including market practices and customs.
- Understand the purpose, benefits and operation of delegated underwriting, including binding authorities and lineslips.
- Know the handling of claims in the London Market, including claims procedures and settlement practices.
- Understand the main methods of resolving complaints within the London Market, including internal complaints procedures and external dispute resolution.
Motor insurance productsReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the key characteristics of the marketplace for motor insurance products
- Apply the fundamental principles of motor insurance to specific scenarios
- Understand the scope of cover typically provided by various motor insurance products
- Apply knowledge of the scope of cover provided by motor insurance products to specific situations
- Understand the legal and regulatory framework relevant to motor insurance
- Apply legal and regulatory principles to motor insurance scenarios
- Understand the processes involved in risk assessment, rating, and underwriting for motor insurance
- Apply the principles of risk assessment, rating, and underwriting to specific motor insurance cases
- Understand the standard claims procedures for motor insurance products
- Apply the principles of claims procedures to motor insurance claims scenarios
- Understand the role of information and communication technology in motor insurance operations
- Apply the principles of information and communication technology to motor insurance processes
Packaged commercial insurancesReal unit · Chartered Insurance Institute
What you'll be able to do
- Understand the development of packaged commercial insurances
- Understand the basic features and scope of packaged commercial insurances and associated services
- Know how packaged commercial insurances are arranged
- Understand underwriting procedures and policy wordings for packaged commercial insurances
- Understand mid-term policy amendments, renewals and cancellation for packaged commercial insurances
- Understand claims procedures in relation to packaged commercial insurances
The honest bit
You’ve started things before
Most courses were built for a room full of people who aren’t you. A cohort moves on whether or not your week allowed it, and by the third week the thing you’re behind on becomes the reason you stop opening it.
There’s no cohort here, and no timetable to fall behind. Before anything starts, Zavmo asks when you’re sharpest and how long you can realistically sit down for, then builds the sessions around those answers. A bad fortnight changes your pace. It doesn’t put you behind.
And you only pay once you start learning. Searching and planning are free, and you can cancel any time — so the cost of finding out is an afternoon, not a year.
Your passport
Every credit is a stamp you keep
Level 3 credits are regulated. They don’t vanish when a subscription ends or a website closes. They travel to any employer, and Zavmo keeps the map of what you’ve earned and what’s next.
Each stamp is a real unit registered against this qualification.
Who’d teach you this
The Evidence Evaluator
Assessor
Helps you show what you can actually do, gathering the evidence that proves it as you learn.
Meet all twelve tutorsWhere this connects
Where these credits take you
A qualification is never a dead end here. See the jobs its credits open, the national occupational standards its units map to, and the future skills they quietly build.
Where this can lead
Insurance Claims Processor
Your journey here starts with mastering the claims processor role, but where you go next is really up to you. We're here to support your growth, whether that's becoming a senior expert, leading a team, or moving into a specialist analytical role. The skills you'll build are incredibly valuable, both within Zavmo and across the broader finance sector.
See the whole journey →Showing 6 roles, drawn from 92 job records mapped to this qualification.
Skills it covers
What the job actually needs. These are the standards the units are built against, in the words employers and awarding bodies already use for the work itself.
How you’ll actually learn this
One-to-one, on your own real work
A qualification is usually something done to you: sit the class, sit the exam, hope it sticks. Here it’s the opposite. You learn it one-to-one with a companion, on your own real work, and you keep going until you can use it, not just recall it.
Applied to your work in any of these jobs
Learners will develop skills to fulfil customer requirements within the insurance sector, emphasising the importance of customer feedback, effective communication, conflict management, and maintaining accurate records. The unit supports the development of client-centred service practices.
- Remember
- Understand
- Apply
- Analyse
- Evaluate
- Create
Built for CII Level 3 Certificate in Insurance
16 units in this credential, in the order it lists them, awarded by Chartered Insurance Institute.
- Customer service in insurance
- Financial protection
- General insurance business
- Group Risk
- Healthcare insurance products
- Household insurance products
and 10 more in the full unit list below.
One to one, not one to many
No two people run this the same way
A course is written once and handed to everyone. This is assembled around you, and keeps changing as it learns you. Five things it reads, and what each one changes.
- Your actual work Every unit is taught against a live piece of your own work, not a worked example from a textbook.
- What you already know The first conversation finds your starting point, so you skip what you can already do and spend the time on what you cannot.
- The conditions you learn under Not a learning-styles quiz. The evidence does not support those. The dimensions the research does back, read once and used to shape the plan.
- How far you got last time It picks up mid-thought. The tutor knows what you said, what you struggled with, and what it asked you to try.
- Which tutor suits the moment Twelve of them, each for a different kind of thinking. The one who walks you through a first idea is not the one who stress-tests it.
See how you learn, free. Eight questions, no sign-up. A directional taster; the diagnostic inside Zavmo goes deeper and keeps adapting.
Why it sticks
Most courses stop at remembering
There’s a well-known ladder of how deeply you learn something, called Bloom’s Taxonomy. Most courses get you up the first two rungs: you remember some facts, you pass a test, you forget it. Real skill lives at the top. Judging, deciding, creating. And this isn’t a generic ladder: every rung has a named Zavmo tutor who walks you up it.
- 6CreateThe Creative Catalyst
- 5EvaluateThe Evidence Evaluator
- 4AnalyseThe Analyst
- 3ApplyThe Coach
- 2UnderstandThe Connector
- 1RememberThe Builder
Where most courses leave you Where Zavmo takes you
The value
Why the companion is worth £70 a month
You’re not paying for the units. They’re regulated, and the same wherever you earn them. You’re paying for the one thing that decides whether you actually get there: a companion that makes them stick, on your real work.
That is one-to-one on this qualification, every day, on the work you already do, for £70 a month. Your first module is free, so you can see the teaching before you pay for any of it. Billed monthly, cancel any time and billing stops.
Earned on your own work, taught to the top.
Everything you just read, learned one-to-one on the job you already do. Your first module is free, so you can see the teaching before you pay for any of it.
Build my plan, freeNo card. See how this qualification maps onto your role and meet the tutors who’d teach it, free. The learning begins when you subscribe. It’s £70 a month, billed monthly. Cancel any time and billing stops.