Topic: Insurance

What happens if there are lots of reasons why you change your travel plans?

Jemima booked a tour in Italy for May 2020. When Italy became a hotspot for Covid-19, she decided to cancel the tour in March. Jemima’s insurer declined her claim due to an exclusion in the policy for claims arising from government interference, because Italy went into lockdown just before she cancelled the trip.

What happens if you booked airline tickets in February 2020 and your travel is disrupted by Covid-19? Will you be covered?

Mahalia was booked to travel to the Bahamas in April 2020. In March 2020, New Zealand went into lockdown and the Bahamas closed its borders. Could Mahalia’s insurer decline her trip because a government had interfered with her trip?

Will your insurer be obliged to cover your costs if you need to return home to New Zealand from overseas?

When the Malaysian government announced that it was about to close its borders due to Covid-19, Maree thought that might prevent her from getting home to New Zealand, as her flight was not due to depart Malaysia until after the border closure. She quickly booked an earlier flight home. Was the travel insurer right to reject her insurance claim for the replacement flight?

What happens if you leave shopping where it can be seen from outside your car and thieves break-in stealing other items you have attempted to conceal?

What happens if you disclose a medical condition, but you fail to complete the process to ensure cover? Is your insurer liable?