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Someone must be responsible

Alice had life and health insurance through her employer. When she found out the premium was increasing, she cancelled her policy. She complained her adviser hadn’t communicated about the changes to her policy early enough.

There was better cover available!  

Rawiri couldn’t claim for methamphetamine contamination at his rental property. His insurance policy covered methamphetamine contamination, but the contamination at his property didn’t meet the testing threshold for cover – which was higher than in some alternative policies available. Rawiri had previously mentioned to his broker that he was concerned about methamphetamine damage, so he was unhappy that the broker had recommended this policy.

Methamphetamine cover – up in smoke!

Jenny’s tenants used methamphetamine in her rental property, which caused contamination. Jenny had the property decontaminated, but when she made a claim, she was told her policy didn’t cover contamination caused by personal ‘use’ alone.

Do I really need to pay this clawback fee?

After buying a second property and refinancing her home loan, Laura was shocked to receive a $2500 invoice from her old mortgage adviser. Even though Laura had broken the terms of her loan agreement, did she really have to pay up?

Broking problems or a family dispute?

Ariki asked a mortgage adviser to help his family get a loan to purchase his father’s property. Things fell apart when Ariki and his sister couldn’t agree on what to do with the property once they got the loan – but was the adviser to blame?

Do I smell meth?

When meth was found in Stephen’s rental property, he thought he was covered for the clean-up. It turned out he wasn’t. To what lengths do advisers have to go to explain changes to an insurance policy?

Confusion about a complex rights offer 

Mia participated in a rights offer. She thought she had applied to exercise all of the rights she purchased but only some of her rights were exercised. Mia wanted a third party to review the transactions.