Disinclination to travel, or genuine fear of Covid-19?
In what circumstances does a decision not to travel because of Covid-19, trigger a ‘disinclination to travel’ exclusion clause?
Topic: Insurance
Trip cancelled due to border closures
What happens if airlines cancel flights due to reduced demand at the time you cancel your trip, but the border closures would have meant that your trip was impossible anyway?
Lack of licence leads to loss
One of Jacob’s employees lied to him about obtaining a licence to drive trucks. When the employee crashed a company truck a few months later, Jacob’s insurance claim was declined because the insurer found the company had failed to ensure the employee was suitably licensed.
Expensive jewellery lost
What happens if your travel agent arranges a policy extension to cover your expensive jewellery, but when you drop the jewellery in deep snow your claim is declined?
Customer service delays due to COVID-19
Did the insurer’s poor handling of a customer’s request for a review of their declined insurance claim warrant a payment of compensation?
Not a pre-existing medical condition after all
What happens if you think you just have indigestion, book travel and insurance, and then discover your discomfort was actually cancer?
Bag stolen while unsupervised
What happens if your bag is stolen in Kings Cross station while you are checking your tickets?
Insurance calculation corrected
What happens if you disagree with your insurer’s calculation of the amount payable under the insurance policy?
ACC cover but no insurance
When Kate suffers a back injury, she is surprised to find her income protection insurance doesn’t kick in for 13 weeks since the accident. To make matters worse, her insurance claim is then declined for non-disclosure of medical conditions. Was any of this her adviser’s fault?
Delay damages business
Andrew’s business was adversely affected by delayed roadworks – was this loss covered by his business interruption cover?
