Insurance Archives

Rescheduled flights and insurance: what you need to know before you act

Sally’s flight from Siem Reap to Hanoi was rescheduled for the next day. To avoid missing planned activities, she booked new flights without consulting her travel insurer. When she claimed the cost, the insurer declined, citing policy exclusions for airline delays or reschedules when an alternative flight is offered within 36 hours.

Unexpected residency limits in travel insurance policy

Anna cancelled her family trip after her mother‑in‑law in the UK became seriously ill and expected her credit‑card travel insurance to cover the prepaid accommodation, but the insurer declined the claim.

Two insurance policies providing life cover

Tom’s mother had two life policies, and Tom thought his mother’s insurance adviser should have known this.

Travel insurance never activated, because a return ticket was required

Ana suffered injuries overseas, but her travel insurer declined her claim because she left New Zealand without a return ticket, a key eligibility requirement for cover under her policy.

Insurer declines claim for pre-existing property damage

FSCL found that the insurer correctly declined a claim for damage caused by a failed underground cable. This is because the damage was caused by faulty workmanship before the policy started.

Claim not covered under policy wording

After Cyclone Gabrielle, Willow’s business relocated their heavy machinery between skid sites. Willow claimed against her business’s insurance for the cost of the relocation, but the insurer declined the claim.

Why am I paying Body Corporate insurance, if it doesn’t cover me?

Franklin’s Body Corporate held a statutory liability policy with an insurer, but when Franklin tried to claim against that policy for his legal costs, the insurer declined his claim.