Pipe Dreams
The Pipe Company damaged a client’s pipes while it was performing a job. It repaired the damage, and but its insurer refused to pay any profit or overhead margin for the repairs. Was this fair?
Topic: Insurance
Food allergy prevents travel
A minor prawn allergy is diagnosed as a life-threatening allergy weeks before leaving for Vietnam. Will the insurer accept the claim when the trip is cancelled?
Old dog, new claim
Aaron’s pet insurance policy excluded any claims related to the arthritis in his dog’s right front foot. When the dog fell and injured his elbow, the insurer declined Aaron’s claim, saying the injury was related to the arthritis. Had the insurer correctly declined Aaron’s claim?
Legs up
John had a medical emergency overseas and needed to fly home to New Zealand. The overseas doctor recommended that John fly business class so that he could elevate his legs. John’s travel insurance declined to provide John a business class ticket and booked him an economy ticket home.
When pills go bad
Poptates was contracted to manufacture a batch of probiotic tablets and used an untested formula. The entire batch was ruined and Poptates was sued for the price of raw materials. Can Poptates claim the cost of raw materials from their insurer?
No medical certificate, no service
Jesse and Robin were overseas when Robin caught a nasty stomach bug. While Robin was recovering, Jesse reorganised their flights home to New Zealand. When they returned to New Zealand, their insurer declined their claim for the cost of the new flights, saying that Jesse and Robin needed to provide a medical certificate as proof Robin was too sick to fly.
Eating is an emergency
Veronica lost her dentures on her return flight and needed her dentures to eat. She made a claim under the emergency dental section of her travel insurance policy but was turned down by the insurer.
‘Claws out’ – a case about commission clawback
Sanjali cancels her insurance policies within 6 months, and receives a $1,725 fee from her adviser. Could the adviser charge the fee?
The dual-cover duel
What happens when you have been paying for two similar insurance policies under group employment insurance schemes?
Not-So-Easy rider
The travel agent knew the holiday was a motorcycle trip – should she have sold a policy that excluded all but 200cc motorcycles?
