Chartered Insurance Institute · RQF Level 4
CII Level 4 Diploma In Insurance
You don’t just earn this. You learn to use it, one-to-one, on your own real work.
- LevelRQF Level 4
- Total credits48
- Units in this qualification23
Awarded by Chartered Insurance Institute · on the Ofqual register
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What you’ll learn
What each unit actually teaches you to do
The Diploma in Insurance is a technical and supervisory qualification for insurance staff working across all sectors of the industry (and the logical progression from the Certificate in Insurance). It will provide you with a firm grounding in insurance fundamentals and will enable you to build towards advanced technical knowledge, thereby ensuring you have the means to function effectively in a challenging environment.
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.
Aviation and space insuranceReal unit · Chartered Insurance Institute
This unit equips learners with knowledge of aviation risks and the international and national regulatory measures affecting them. You'll understand the scope of cover under aviation insurance classes, market practices, and approaches to risk assessment and claims handling.
What you'll be able to do
- Know the main elements of aviation risk, including the different types of risks involved.
- Understand the main international and national measures impacting on aviation risk, including regulatory frameworks and safety standards.
- Understand the scope of cover under the main and related classes of aviation insurance, including hull, liability, and passenger insurance.
- Understand the market practices of aviation insurance, including underwriting, pricing, and distribution channels.
- Understand risk assessment and underwriting of aviation insurance, including the factors considered in assessing risk and determining premiums.
- Understand claims investigation, handling and settlement procedures in aviation insurance, including the process for reporting and resolving claims.
- Understand key aspects of space insurance, including the unique risks and challenges associated with insuring space activities.
Cargo and goods in transit insurancesReal unit · Chartered Insurance Institute
You'll understand the business environment of shipping and world trade and the legal and regulatory framework for cargo and goods in transit risks. The unit covers the scope of cover for cargo and haulage contractor’s liability and the underwriting considerations for these risks.
What you'll be able to do
- Understand the key aspects of the business environment of shipping and world trade
- Understand the legal and regulatory environment relevant to cargo and goods in transit risks
- Understand the scope of cover typically provided by cargo insurance policies
- Understand the scope of cover typically provided by haulage contractor’s liability insurance policies
- Understand the factors involved in the underwriting of cargo and goods in transit insurance risks
- Understand the claims considerations and procedures specific to cargo and goods in transit insurance
Claims practiceReal unit · Chartered Insurance Institute
You'll gain knowledge of key aspects of claims handling across personal lines, property, and third-party liability claims. The unit covers the claims handling process, documentation, record keeping, and principles of good customer service in managing claims effectively.
What you'll be able to do
- Understand the key aspects of claims handling.
- Understand the key aspects of handling personal lines claims, including motor claims.
- Understand the key aspects of handling property claims, including business interruption claims.
- Understand the key aspects of handling third party liability claims.
Commercial insurance contract wordingReal unit · Chartered Insurance Institute
You'll gain an understanding of the environment in which UK commercial (re)insurance contract wordings are created and used. The unit covers legal issues, stakeholder roles, terms and conditions, and different types of reinsurance contract wordings relevant to commercial insurance.
What you'll be able to do
- Understand the environment within which UK commercial (re)insurance contract wordings are created and used
- Understand the legal issues that can affect the interpretation and enforceability of commercial (re)insurance contract wordings
- Understand the standard terms and conditions commonly found in commercial (re)insurance contract wordings
- Understand the different types of reinsurance contract wording and their specific purposes
Commercial property and business interruption insurancesReal unit · Chartered Insurance Institute
This unit provides learners with knowledge of commercial property and business interruption insurances. You'll understand risks such as fire and theft, control measures, risk assessments, and the cover and underwriting practices associated with property and business interruption insurance.
What you'll be able to do
- Understand the risks and control measures associated with fire, theft, and other contingencies affecting property and business interruption
- Understand the cover provided by property insurance policies and the main practices associated with them
- Understand the cover provided by business interruption insurance policies and the main practices associated with them
- Understand the principles and practices involved in underwriting property and business interruption insurance
- Understand the procedures involved in handling property and business interruption insurance claims
Delegated authorityReal unit · Chartered Insurance Institute
This unit explores the business benefits and risks of delegated authorities in insurance. You'll understand the legal and regulatory framework, the process of setting up delegated authorities, contracts of delegation and insurance, and the management and monitoring of delegated authority arrangements.
What you'll be able to do
- Understand the business benefits and potential risks associated with the use of delegated authorities in insurance
- Understand the legal and regulatory framework governing the operation of delegated authorities
- Understand the process of setting up delegated authorities, including due diligence and risk assessment
- Understand the key elements of contracts of delegation and their relationship to contracts of insurance
- Understand the management of underwriting activities by the coverholder/managing general agent (MGA)
- Understand the management of claims handling by the coverholder/MGA
- Understand the role of key business support functions within the coverholder/MGA organisation
- Understand the processes involved in monitoring and auditing the delegated authority by the insurer
Fundamentals of risk managementReal unit · Chartered Insurance Institute
This unit introduces learners to the fundamental concepts of risk and risk management. You'll understand the definitions of risk, hazard, and peril, explore different risk categories, and examine the role, purpose, and benefits of risk management, including the position of insurance within the process.
What you'll be able to do
- Understand the meaning of risk
- Understand the role and purpose of risk management
- Understand the core elements of the risk management process
- Understand the different categories of risk
- Understand current trends in risk management
- Understand the position of insurance within risk management
- Understand the key risk management lessons learnt from major loss events
Insurance broking practiceReal unit · Chartered Insurance Institute
You'll gain an understanding of the regulatory and legal environment for insurance brokers. The unit covers the broker's role in meeting client needs, negotiating and placing insurance contracts, and selecting appropriate insurance products in compliance with professional standards.
What you'll be able to do
- Understand the key aspects of the regulatory and legal environment within which brokers operate, including relevant legislation and codes of conduct.
- Understand the role of the broker in meeting client needs, including identifying client requirements and providing suitable insurance solutions.
- Understand the role of the broker in the negotiation and placing of insurance contracts, including obtaining competitive terms and conditions.
- Understand the role of the broker in selecting insurers, including assessing their financial strength and claims handling capabilities.
- Understand the role of the broker in the design and operation of insurance programmes, including tailoring cover to meet specific client needs.
- Understand the role of the broker in the claims negotiation, collection and payment process, including assisting clients with claims and ensuring prompt settlement.
- Understand the range of services that may be available from insurance brokers and their benefit to clients, including risk management advice and claims advocacy.
Insurance business and financeReal unit · Chartered Insurance Institute
You'll develop knowledge of the insurance industry's structure, including its sectors and distribution channels. The unit covers management functions, corporate governance, regulatory roles, and accounting principles relevant to insurance businesses and their financial operations.
What you'll be able to do
- Understand the structure of the insurance industry
- Understand the management of insurance businesses
- Understand the main aspects of corporate governance
- Understand the role of common functions within insurance organisations
- Understand accounting principles and practices and their application
- Understand the main practices of insurance company accounts
- Analyse businesses using financial ratios
- Understand the financial strength of insurance companies
Insurance lawReal unit · Chartered Insurance Institute
This unit provides learners with an understanding of the nature and sources of UK law, including legal systems and personality. It covers key legal principles such as tort, contract, and agency law, with a focus on their application within the insurance sector and contract formation.
What you'll be able to do
- Understand the nature and sources of law and legal systems
- Understand the concept of legal personality
- Understand the principles of the law of tort and the characteristics of the main torts
- Understand the law of contract
- Understand the law of agency and its application to insurance
- Understand the main principles governing the formation of insurance contracts
- Understand how the terms of insurance contracts are classified and the effect of a breach of an insurance contract term by the insured and of other vitiating factors
- Understand the main legal principles governing the making of an insurance claim
- Understand how losses are measured and how the principle of indemnity applies to insurance claims
- Understand how the principles of subrogation and contribution apply to insurance claims
Insurance lawReal unit · Chartered Insurance Institute
You'll develop a comprehensive understanding of insurance law, including the nature and sources of law, legal personality, tort law, contract law, agency, and the formation and classification of insurance contracts. The unit also covers breach of contract terms and their legal implications.
What you'll be able to do
- Understand the nature and sources of law and legal systems
- Understand the concept of legal personality
- Understand the principles of the law of tort and the characteristics of the main torts
- Understand the law of contract
- Understand the law of agency and its application to insurance
- Understand the main principles governing the formation of insurance contracts
- Understand how the terms of insurance contracts are classified and the effect of a breach of an insurance contract term by the insured and of other vitiating factors
- Understand the main legal principles governing the making of an insurance claim
- Understand how losses are measured and how the principle of indemnity applies to insurance claims
- Understand how the principles of subrogation and contribution apply to insurance claims
Insurance products and/or processes (technical)Real unit · Chartered Insurance Institute
You'll develop an understanding of the technical aspects of selected insurance products and processes within their organisation. The unit covers relevant regulations and analyses the technical complexities and environmental influences affecting these products and processes.
What you'll be able to do
- Understand the key technical aspects of the selected insurance product(s) and/or related process(es) within your organisation
- Understand the regulations relating to the selected insurance product(s) and/or process(es) within your organisation
- Understand the influences of the regulatory and commercial environment on the selected insurance product(s) and/or process(es) within your organisation
Insurance products and/or processes (technical)Real unit · Chartered Insurance Institute
It teaches you to understand the technical aspects, regulatory requirements, and commercial influences on selected insurance products and processes within their organisation. You'll describe the purpose and function of these products and analyse the impact of technical changes.
What you'll be able to do
- Understand the key technical aspects of the selected insurance product(s) and/or related process(es) within your organisation
- Understand the regulations relating to the selected insurance product(s) and/or process(es) within your organisation
- Understand the influences of the regulatory and commercial environment on the selected insurance product(s) and/or process(es) within your organisation
Liability insurancesReal unit · Chartered Insurance Institute
This unit covers the identification, evaluation, and management of liability risks. You'll understand liability underwriting considerations and explore the risks, cover, and practices associated with employers’, public, and product liability insurance.
What you'll be able to do
- Understand the identification, evaluation and management of liability risk.
- Understand the main considerations of liability underwriting.
- Understand the risks, cover and practices of employers’ liability insurance.
- Understand the risks, cover and practices of public and product liability insurance.
- Understand the risks, cover and practices of directors’ and officers’ liability and corporate reimbursement insurance.
- Understand the risks, cover and practices of professional indemnity insurance.
Life, critical illness and disability claimsReal unit · Chartered Insurance Institute
This unit provides knowledge of the structure and functions of a claims department and the main types of life, critical illness, and disability claims. You'll understand initial claim considerations, assessment tools, validity determination, and medical and financial aspects of claims assessment.
What you'll be able to do
- Understand the structure and function of a claims department within an insurance organisation
- Identify and describe the main types of insurance claim handled by the department
- Understand the initial considerations when handling a claim, including notification, documentation, and investigation
- Identify and describe the main claims assessment tools used in the claims process
- Explain the application of different claims assessment tools in various claim scenarios
- Determine the validity of claims by applying relevant policy terms, conditions, and exclusions
- Understand the medical aspects relevant to claims assessment, including medical reports and terminology
- Understand the financial assessment of income protection claims, including calculation of benefits and offsets
- Understand the principles and processes involved in the rehabilitation of claimants
- Understand the legal and regulatory issues relevant to life, critical illness, and disability claims
Life, critical illness and disability underwritingReal unit · Chartered Insurance Institute
This unit provides learners with knowledge of life, critical illness, and disability underwriting processes. You'll understand medical and non-medical risk factors, the features of major body systems, and the impact of legal and regulatory considerations on underwriting decisions.
What you'll be able to do
- Understand the fundamental mechanics of life and disability underwriting processes
- Understand the features of the major systems of the human body and the underwriting approach to common disorders and diseases affecting them
- Understand the impact of non-medical risk factors, such as lifestyle and occupation, on underwriting decisions
- Understand the impact of relevant legal and regulatory considerations on life, critical illness and disability underwriting practices
Long-term insurance businessReal unit · Chartered Insurance Institute
You'll gain a comprehensive understanding of the long-term insurance business market, including its structure and key players. The unit covers long-term business contracts, risk assessment and control, claims administration, reassurance, consumer protection, and taxation considerations.
What you'll be able to do
- Understand the structure of the long-term business market.
- Understand the features of long-term business contracts.
- Understand risk assessment and control within long-term insurance business.
- Understand claims administration processes in long-term insurance.
- Understand the role of reassurance in long-term insurance.
- Understand consumer protection measures relevant to long-term insurance.
- Understand taxation considerations relating to long-term insurance business.
Marine hull and associated liabilitiesReal unit · Chartered Insurance Institute
You'll explore the principal elements of shipping and world trade, including vessel types and trade routes. The unit covers the legal and regulatory framework governing shipping, key provisions of the Marine Insurance Act 1906, and underwriting considerations in marine insurance.
What you'll be able to do
- Understand the principal elements of shipping and world trade
- Understand the legal and regulatory environment of shipping
- Understand the key provisions of the Marine Insurance Act 1906
- Understand and apply key underwriting considerations in marine insurance
- Understand the scope of cover under marine hull, liability and related insurances
- Understand the scope of protection and indemnity (P&I) insurance and how it is provided
- Understand claims investigation, handling and settlement procedures in marine insurance
Motor insuranceReal unit · Chartered Insurance Institute
You'll develop an understanding of motor insurance, including the nature of motor risk and factors affecting it. The unit covers the scope of cover provided by motor policies, risk perception, evaluation, underwriting practices, and claims considerations specific to motor insurance.
What you'll be able to do
- Understand the nature of motor risk and the main factors that impact on it.
- Understand the scope of cover provided by motor policies.
- Understand the main practices of motor insurance.
- Understand risk perception, evaluation and underwriting in the context of motor insurance.
- Understand the claims considerations and procedures relevant to motor insurance.
Personal insurancesReal unit · Chartered Insurance Institute
You'll understand the general market practices of personal insurances, including household and other personal insurance products. The unit covers policy cover, underwriting, rating considerations, and claims notification and handling procedures within the personal insurance sector.
What you'll be able to do
- Understand the general market practices prevalent in the personal insurances sector
- Understand the policy cover, underwriting considerations, and rating factors relevant to household insurances
- Understand the policy coverage, underwriting considerations, and rating factors applicable to other personal insurance products
- Understand the procedures for claims notification, investigation, and settlement in personal insurances, including relevant case law
- Understand the main aspects of the business environment within which personal insurances operate
Private medical insurance practiceReal unit · Chartered Insurance Institute
You'll understand the relationship between public and private medical provision in the UK. The unit covers private medical insurance products, principles, pricing, underwriting, claims, policy administration, and the regulatory environment relevant to private medical insurance.
What you'll be able to do
- Understand the relationship between public and private medical provision.
- Understand private medical insurance products and principles.
- Understand the application of pricing and underwriting for private medical insurance.
- Understand the application of claims and policy administration.
- Understand legislation and regulation in relation to private medical insurance.
- Understand the distribution of private medical insurance.
ReinsuranceReal unit · Chartered Insurance Institute
This unit provides learners with an understanding of reinsurance, including its purpose and the parties involved. You'll explore different types of reinsurance, such as facultative, proportional, and non-proportional treaties, and understand their features, operation, advantages, and disadvantages.
What you'll be able to do
- Know the purpose of reinsurance and the parties involved in reinsurance arrangements.
- Understand the different types of reinsurance available.
- Understand the features and operation of facultative reinsurance.
- Understand the features and operation of proportional reinsurance treaties.
- Understand the features and operation of non-proportional reinsurance treaties.
- Understand how to design and place reinsurance programmes.
- Understand the legal issues relating to reinsurance.
- Understand reinsurance contract wordings.
- Understand the main features and characteristics of the principal reinsurance markets.
- Understand the principles and practices of different classes of reinsurance business.
Underwriting practiceReal unit · Chartered Insurance Institute
This unit examines the regulatory and commercial influences on underwriting practices. You'll understand underwriting policy and practice, the use of statistical data for risk assessment and pricing, and principles of risk exposure and control within the underwriting process.
What you'll be able to do
- Understand the key influences of the regulatory and commercial environment on underwriting practices
- Understand the key aspects of underwriting policy and practice within an insurance organisation
- Understand how statistical data is used for underwriting purposes, including risk assessment and pricing
- Understand the principles and practices of risk pricing in insurance underwriting
- Understand how to assess and control risk exposure in underwriting decisions
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 4 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.
Aviation and space insuranceCargo and goods in transit insurancesClaims practiceCommercial insurance contract wordingCommercial property and business interruption insurancesDelegated authorityFundamentals of risk managementInsurance broking practice
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
Associate Broker
Your journey starts here, learning the fundamentals that underpin every successful client relationship. We're investing in you for the long haul, and if you bring the curiosity and dedication, we'll provide the path, the training, and the opportunities to build a truly rewarding career in insurance.
See the whole journey →Opens the roleAssociate BrokerOne of the jobs this qualification is a route intoSee the role →Opens the roleSenior Insurance BrokerOne of the jobs this qualification is a route intoSee the role →Opens the roleInsurance Broker ManagerOne of the jobs this qualification is a route intoSee the role →Opens the roleUnderwriterOne of the jobs this qualification is a route intoSee the role →Opens the roleReinsurance TechnicianOne of the jobs this qualification is a route intoSee the role →Opens the roleInternational Claims HandlerOne of the jobs this qualification is a route intoSee the role →Future FluencyAll ten future skillsSee how every unit is contextualised by the tenExplore →
Showing 6 roles, drawn from 158 job records mapped to this qualification.
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.
One-to-one, on your real workNo lectures, no past-papers. Every unit is practised on the actual tasks your job throws at you, a tutor beside you, not a video in front of you.
Taught to the top, not the testMost courses stop at remembering. Your companion keeps climbing: analysing, judging, creating. That’s the part a machine can’t do for you.
Credits you keep, a map that continuesEvery unit is regulated and yours for good. The day you finish, Zavmo already knows the next role your new credits open.
Applied to your work in any of these jobs
Which job do you mean?
This unit equips learners with knowledge of aviation risks and the international and national regulatory measures affecting them. Learners will understand the scope of cover under aviation insurance classes, market practices, and approaches to risk assessment and claims handling.
How the thinking builds
- Remember
- Understand
- Apply
- Analyse
- Evaluate
- Create
Built for CII Level 4 Diploma In Insurance
21 units in this credential, in the order it lists them, awarded by Chartered Insurance Institute.
- Aviation and space insurance
- Cargo and goods in transit insurances
- Claims practice
- Commercial insurance contract wording
- Commercial property and business interruption insurances
- Delegated authority
and 15 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
Why this matters: AI can already remember and understand for you. What it can’t do is
take your real problem and judge the right call. So the only learning worth paying
for is the learning that takes you to the top. That’s exactly what a tutor doing it with
you, on your real work, is for.
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.