No cover for misreading departure time
Rahul and his family missed their flights after misreading their departure time. Does Rahul’s insurance company cover the cost of his new flights?
Topic: Insurance
“How accurate does my insurance claim need to be?”
Millan ran a whiteware and electrical store. A fire broke out in the workshop after hours. The fire service contained the fire and it did not spread to the showroom or storeroom where much of Millan’s stock was stored. Millan claimed for a substantial amount of damaged stock. The insurer assessed Millan’s loss as much lower than his claimed loss. The insurer believed there was intent to defraud and declined to pay Millan’s claim. Can Millan still have this genuine loss paid?
Why bother cancelling if there is no refund?
Bridget wanted to cancel her mechanical breakdown insurance and receive a refund of the unused premiums. The insurance company told her she could cancel her policy, however, the premiums were non-refundable. Bridget considered this to be unfair.
Bill’s boat bother
During a charter fishing trip, water gets into the motor on Bill’s boat, causing damage. Bill submits a claim to his insurer for the costs of repairing his boat, but the insurer declines the claim because in its view, the loss was caused by the boat having a ‘design flaw’.
Neighbours at war’ leads to a travel insurance dispute
Rewi and Anne had been in an ongoing dispute with their neighbour for many years, and cancelled a trip to Australia when their neighbour blocked access to their property. Did travel insurance cover cancellation costs?
“A traumatic trauma claim”
In 2015 Hans has a trauma claim paid after he suffered strokes. However, Hans considered he could have received further benefits under his policy if his adviser had provided him better advice. Was the advice process flawed, causing Hans a financial loss?
“At least I have lease cover, right?”
Marge contacted her broker to ask whether she had cover to lease a truck when her truck was written off after an accident. The broker told Marge she had lease cover, however it later transpired she had no lease cover.
Learner driver insurance lesson
Did an insurance broker lead a client to believe a policy would cover employees driving in breach of learner and restricted licence provisions?
I’m sick, but not sick enough’ to meet the policy definition of ‘cancer’
Following a mammogram, Diane’s doctors discover she has Ductal Carcinoma in Situ (DCIS) and she undergoes a left mastectomy. Diane claims under her cancer policy, but her claim is declined because her cancer is ‘non-invasive’.
The propensity to develop infections can mean you have a ‘pre-existing medical condition’
Claire developed a UTI while on a cruise in Europe, having suffered several UTIs in the past. Claire’s travel insurer declined her travel claim and we looked at the medical evidence to decide whether the insurer made the correct decision.
