Jane’s financial adviser recommended that she move her life and mortgage protection insurance company to a new insurance company. Jane did not disclose a pre-existing medical condition and a claim under her mortgage protection insurance was later declined. The adviser’s process was flawed but did not cause a direct financial loss. The adviser paid compensation for inconvenience.
When Geena’s boat sank, she expected her loss to be covered by insurance and was surprised when her insurer said the loss was caused by wear and tear
Mohammed wanted to claim for consequential loss when a leased vehicle was out of action when it was damaged. Was this covered by his business insurance?
Was the insurer obliged to pay a business insurance claim for damage to privately owned vehicles?
Jess purchased a travel insurance policy just after seeing her doctor about some back pain. She did not disclose the back pain, because her doctor had said it was nothing to worry about. Later, the pain was diagnosed as a herniated disk, and Jess had to cancel her trip. Were her cancellation costs covered by her policy?
Maja’s pregnancy related costs were not covered by either government funding or her travel insurance policy. Is this fair?
Loss for Covid-19, a notifiable infectious disease, not covered by the policy
Tim purchased a car from a private seller. Tim did not know the seller had an unpaid loan balance that the car was security for. The seller stopped paying their loan and the lender repossessed Tim’s car. Tim complained to us because he wanted his car back. We could not investigate because Tim had not received a financial service from the lender.
The insurer announced Covid-19 as a ‘known event’ but did not tell David before he purchased his travel insurance. Is the insurer obliged to accept David’s claim?
When a cleaner damages a client’s wooden floor and their insurance claim is declined, they complain to FSCL.
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