But I disclosed my medical condition!
Jessica’s travel insurance claim was declined because she had not disclosed her treatment as an outpatient at a hospital. However, did the pre-assessment question apply to outpatient services?
Topic: Insurance
Limited travel insurance cover for valuables
Finn lost a bag containing expensive photographic equipment at an airport. Was his insurer right to limit his claim?
Too close to home
Aria’s travel insurance claim was declined. Unbeknown to Aria, complimentary travel insurance had not been activated because her trip was less than 150 km of her home.
Life cover sold to 72-year-old
When Andrew was 72 years old an adviser sold him $100,000 life cover which cost him $164,000 over 10 years
Misunderstanding about loan repayments
Tracy understood the loan repayments were $155 fortnightly rather than weekly, but the lender would not allow her to return the car and cancel the contract.
Agreement reached after vehicle repossessed
Mia asked FSCL for help when her vehicle was repossessed. The lender agreed to restructure the loan if Mia started paying them again and made four consecutive payments
Was it ‘resultant damage’?
Bob of Bob’s Builders submitted a claim to his insurer for the cost of replacing some cladding that was damaged by a paint-stripping company who worked on an apartment block Bob’s team was constructing. The insurer declined Bob’s claim because the damage was due to faulty workmanship – was this decision correct?
Supply chain issues and betterment
When a replacement window cannot be sourced, the cost to replace it increases significantly within six months’ time. What does the insurer need to pay?
Gap in insurance cover
When Marie’s insurer did not renew her policy she was left uninsured for claims arising from events occurring while the policy was in place.
Insurance claim declined
Although Alyssa’s belongings were stolen from her boat, there was no evidence of forced, violent entry, as required by the policy wording, allowing the insurer to decline the claim
