Jo had mechanical insurance for his Ford Falcon. One day, his radiator blew up and he took it into the garage to have it fixed. The garage checked the Ford Falcon and recommended that the car have a transmission flush. The insurer declined to pay Jo for the transmission flush.
Renee had poor impulse control as a result of a brain injury and was hospitalised after drinking too much water. Renee had to cancel her planned trip to Italy but her travel insurer refused to reimburse her cancellation costs due to a mental illness exclusion.
A company wants to cancel director’s insurance for one of its directors. When this takes 7 months, the company complains to its insurance advice firm about the delays.
Bridie wanted her travel insurance to pay the costs of her new return flight with another airline due to an airline cancellation. The insurance company refused, because the policy did not cover the costs of a replacement ticket with another airline. Was this correct?
Will an insurer cover your loss if an offender manages to squeeze through a tiny window to enter your house and steal from you?
Janie had been experiencing mobility, fatigue and hip pain for some time. It wasn’t until after she had purchased her tickets and travel insurance for Europe that she was diagnosed with an auto-immune condition. Following her diagnosis, Janie’s doctor advised her against travelling to Europe. Can Janie recover the costs of her cancelled trip from the insurer?
Tom had a large crack in his driveway that he wanted his insurance company to pay the repairs for. The insurer declined Tom’s claim based on the cause of damage. Tom felt that insurer had not properly assessed the cause of damage before making their decision and complained to FSCL.
Roger suffered complications during heart surgery requiring him to cancel his overseas travel. The insurer declined to pay for the cancellation costs noting Roger’s heart condition was a pre-existing medical condition. Roger complained that this was unfair.
Jax bought a motorcycle but did not tell his insurers that he did not have a motorbike licence. The motorbike was stolen from his garage. The insurer declined to compensate Jax for his loss.
James cancelled his holiday when his brother was diagnosed with lung cancer. He was declined cover because the insurer said his cancer was a pre-existing medical condition. James disputed this finding. Was James’s cancer really a pre-existing medical condition?
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