Topic: Accident Insurance

When I was sold the policy I was told it was a ‘top-up’ to ACC, why have the payments stopped after six months?

Paula sadly died from a heart attack after she was involved in a car accident. Her insurer declined an accidental death claim because it consider the cause of Paula’s death was not a direct result of any accidental injuries.

In September 2013, Tony broke his back in an accident and had to have surgery. He thought he had an accident policy in place with Sorted Insurance at this time. However, Sorted Insurance said Tony only had sickness policies in place and Tony did not have any cover for his surgery. Tony thought he was misled into buying the sickness policies and wanted a refund of his premiums. Tony also wanted to be covered under the accident policy he thought he had.

Sadly, Andrew died 15 days after he first presented to hospital after being diagnosed with a brain tumour. Andrew’s family submitted a claim for cover under an accident policy, which was declined.

Brian has an intellectual disability and was sold a number of insurance policies by an insurance company over a period of around 16 years. FSCL investigates whether Brian had the capacity to enter into the insurance contracts, and whether Coverit was aware of his disability.

Todd experienced permanent and irreversible hearing loss after attending a loud concert. He made an insurance claim under his accident insurance policy for his hearing loss. Was he covered?