Pandemic travel problems
Sally’s trip to China is cancelled and her claim is declined under a ‘government interference’ exclusion clause
Topic: Insurance
My car may be a write-off, but my bills aren’t
When Lucia’s car got flooded, she contacted her insurer straight away. However, as she failed to fill in the right forms, she ended up paying for repairs that the insurer wasn’t willing to pay for.
Lender misrepresents settlement agreement
A lender agreed they made a mistake when assessing loan affordability and offered to settle the complaint. But what happens if the lender also makes a mistake when explaining the settlement offer?
Repayment waivers did not respond when a borrower fell into hardship
Sione believed repayment waivers should have responded when he left his job.
Symptoms not disclosed.
Claire did not disclose symptoms to her insurer. Was the insurer entitled to decline her claim for costs to see doctors to get a diagnosis?
I didn’t know you needed to know!
Mirae didn’t declare her previous convictions when taking out insurance. When she needed to make a claim, it was declined, and her policy voided.
Poor insurance advice process.
The adviser’s advice process was poor when she advised Peter to switch insurers. What harm did this cause?
Credit card confusion
A misunderstanding about the meaning of the word ‘credit’ led to confusion about a debt owed
Am I in a credit arrangement?
James was a victim of fraud, but his insurer relies on a questionable exclusion clause to decline the claim. Does the exclusion apply?
I’ve taken responsibility for the damage I caused – but am I ‘liable’?!
Jake accidentally spilt some paint in his friend’s apartment when he was visiting. Jake agreed to pay for the damage, and later made a claim under his travel insurance policy. Jake’s insurer declined his claim because they didn’t think he was ‘legally liable’ to pay his friend.
