Poor insurance advice process.
The adviser’s advice process was poor when she advised Peter to switch insurers. What harm did this cause?
Topic: Insurance
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.
Hardship relief application declined
A lender declines a hardship application because they are not convinced the effects of Covid-19 will be a short-term disruption to business
Loss of rent because of COVID-19 lockdown
When an insurance claim can’t be settled because of the move to the level 4 COVID-19 lockdown in 2020, the insured suffers loss of rent.
Water damage
Veronica’s bathroom floor had been ruined by water damage. But Veronica’s insurer refused to pay for her repairs because the damage was not “hidden”. Can Veronica claim a reasonable portion of her costs from the insurer?
Insurer agrees to cover Covid-19 claim
What happens if, even though there is a pandemic exclusion in your policy, your insurer tells you that Covid-19 claims will be covered?
Insurance policies cancelled
Jeremy did not remember cancelling his insurance policies, but was able to see that it was reasonable for his insurer to think that was his intention
A failure in commissioning a machine = was it a service or repair?
Zhang’s business made a mistake when setting up some expensive machinery for their client which resulted in over $20,000 worth of damage. Zhang had two policies for his business, but both had amendments which limited his cover.
