Topic: Insurance adviser

Jenny asks her insurance broker to put home and contents insurance cover in place. When Jenny makes a claim for her stolen bracelet a year later, her broker tells her she has no contents cover in place.

Tahi suddenly can’t afford her annual insurance premiums due to the impact of Covid-19 on her business and income. Tahi doesn’t think her insurance broker does enough to help her situation.

When your former husband and co-trustee does a runner with money owed to the trust, who is to blame?

Seline’s insurance adviser recommended she move to a new insurer. When Seline had a heart attack, her new insurer declined her claim. Was the adviser responsible for Seline’s lack of cover?

James’ claim was declined on the basis of non-disclosure. He argued his insurance adviser told him not to disclose a pre-existing neck injury which the insurer later relied on to decline his claim when he applied for insurance.

Did Sarah’s insurance adviser fully explain the very broad exclusion clause in the medical insurance policy offered by an insurer, before Sarah cancelled her old policy?

Terry and Paul had been clients of an insurance adviser company for 10 years. An adviser from the company contacted them recommending to switch to policies with cheaper premiums and increased cover. Terry and Paul agreed to the move. Two years later they found they were paying premiums for both policies. They wanted to be reimbursed because they believed their adviser should have reminded them to cancel the outgoing policy.

Non-disclosure of a medical condition leads to cancellation of the policy, but what about the premiums paid for cover that never existed?

After Mel suffered a stroke she said her insurance adviser told her she had no trauma cover (she later found out she did). Her adviser said the conversation never happened.

Failure to buy back insurance causes trauma insurance cover to cease.