John had income protection insurance. He moved from NZ to Australia, and changed his job but continued to pay his premiums. After John made a claim which was declined, John asked that his adviser make changes to his policy. John’s adviser could not get the insurer to agree to any policy changes. Was it the adviser’s fault?
Kristi’s bag was stolen from a hotel courtyard while her boyfriend was supposed to be looking after it. Kristi filed a claim with her insurer, but her claim was declined due to her bag being unattended in a public place when it was taken. Kristi feels her insurer misunderstood her claim as she wasn’t in public and her bag was near her boyfriend. Has the insurer got it right?
Matthew had to return early from an overseas trip and his travel insurance claim was declined. Four years later Matthew complained the insurer’s policy breached his human rights and contained unfair contract terms.
Adam gave the cylinder head for his vintage Chrysler to his friend to deliver to a mechanic. However, the cylinder head was stolen before it reached the mechanic. Did Adam’s motor vehicle insurance policy cover his stolen cylinder head?
Extensive renovations and alterations were done to June and Darren’s rental property by their tenant without their knowledge and consent. After their tenant disappeared, June and Darren claimed on their insurance that the property had been damaged. The insurance company declines June and Darren’s claim because it says the property has not been modified, not damaged. Can the insurer decline June and Darren’s claim to restore and repair the property?
Ata was returning home from China following a business trip. Unfortunately for Ata, Chinese Customs agents confiscated two lithium ion batteries from his checked in bag because they were classified as hazardous goods. Ata claimed on his travel insurance for the two removed lithium ion batteries. Is the insurer liable to pay Ata’s claim?
Lindsey’s bag was lost by an airline. The airline paid Lindsey $4,686.74 as compensation for losing his bag. However, Lindsey had calculated that the items of clothing in his bag were worth $7,201.69. Lindsey wanted his travel insurance company to accept his claim for $7,201.69 worth of lost clothing.
Accidental death in a car crash excluded from cover because the insured was not wearing a seatbelt.
Brendon had travel insurance for a trip of a lifetime to Curaçao. Brendon was on a bus when he saw his suitcase being unloaded and given to another passenger. Brendon jumped off the bus and retrieved his suitcase, but by the time he had done so, the bus had driven off. To his horror, Brendon realised he had left a smaller bag and his wallet on his seat on the bus. Will Brendon’s travel insurance cover his loss?
Julie suffered from a heart condition while she was overseas which resulted in her needing expensive medical attention. Julie believed she had declared the condition during the medical assessment and paid a higher premium as a result, she would have cover. Did Julie disclose enough to obtain cover?
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