Insurance Archives

My father’s condition wasn’t pre-existing

Nisha and Mahendra do not accept their insurer’s decision to decline their claim for a cancelled trip to Australia, when Mahendra’s father falls unexpectedly seriously ill and later dies

Insurer agreed to overturn decision to decline claim

Emma’s backpack was stolen from her rental car while she was on holiday. Did her claim for the lost items fall within her travel insurance cover?

How much information does an insurer need?

Do you have to give your insurer all your medical history even if you think that information is unnecessary?

Benign tumour proves to be cancer and disrupts travel plans

What happens if you do not think you need to tell your travel insurer about a benign tumour that will be removed before you travel?

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?

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.