Insurance Archives

Disappearing bags

While hurrying to leave for the airport, David left his two suitcases containing sentimental items by the gate while doing a final check of the house to do a final check and get his passports. On return his bags were gone. His travel insurer declined his claim, was this correct?

The loss of the ring

Belinda put her wedding ring in her toilet bag in her hotel but could not find it days later when she went to put it on. Her insurer declined the claim because the jewellery not on her person or in a locked safe. Was this correct?

Sacré bleu, where did I leave my glasses?

In an insurance dispute, where there is more than one possible explanation for loss, how does FSCL decide which explanation it should base its assessment on?

To the limit

Chris’s dog Scout went to a specialist surgeon to repair damage to one of his legs. Chris’s pet insurance policy had a $2,000 limit for specialist treatment, and a $7,000 limit for treatment of injuries. Which limit applied?

Change, not necessarily for the better

What happens if your financial adviser recommends a change to your insurance without explaining the extent of the policy or the risks associated with the change?

Country of origin conundrum

Yanxi was travelling home to China. Her luggage was delayed in Hong Kong. Was she covered for costs incurred waiting for her luggage to arrive in her hometown in mainland China or did her cover end when she arrived in Hong Kong?

Where did my insurance go?

What happens if you think you’ve arranged insurance for a new car, but your insurer thought the insurance related to an old car?

Public hospital or private hospital?

What happens if you are in Australia and you need urgent medical attention? Can you go to a private hospital?

How careless is gross carelessness?

Is your insurer obliged to pay a claim if you are distracted and accidentally leave valuable items behind in a busy airport?

When unexpected events occur

Sue was due to meet her cousin for a family vacation. Unfortunately, Sue’s cousin passed away suddenly. Can Sue claim the costs of rearranging her travel from her insurer?