All that glisters is not gold
Did the insured take reasonable care to avoid the theft of jewellery from a locked suitcase in an unlocked room in a private guest house?
Topic: Insurance
It’s all broke: After Tony breaks his back he discovers he doesn’t have the the accident policy he thought he did!
In September 2013, Tony broke his back in an accident and had to have surgery. He thought he had an accident policy in place with Sorted Insurance at this time. However, Sorted Insurance said Tony only had sickness policies in place and Tony did not have any cover for his surgery. Tony thought he was misled into buying the sickness policies and wanted a refund of his premiums. Tony also wanted to be covered under the accident policy he thought he had.
New Year’s celebrations in Thailand end in hospital
Amy was in Thailand celebrating New Year when she was admitted to hospital. Although Amy had consumed a considerable amount of alcohol medical opinion was divided about the cause of her hospital admission with pesticide poisoning or gastroenteritis also possible causes. Was the insurer right to exclude Amy’s medical expenses claim?
Inflated claim leaves liquor store dry
Brendan’s liquor store was burgled. He made an insurance claim to his business insurer. Although Brendan’s insurer accepted that Brendan had suffered a loss, he believed Brendan’s claim was fraudulent.
The insurance claim that didn’t fly
A totally and temporarily disabled pilot queried the compensation offered by his insurer.
A not too sweet ending: medical conditions required to be disclosed to insurers
Anthony planned a trip to Europe. Unfortunately before Anthony was due to depart, he became ill and had to cancel. His insurance company declined his claim because it considered that Anthony had not disclosed his pre-existing medical condition.
Be prepared to disclose all pre-existing medical conditions
Caroline and John booked an overseas trip. Before they were due to depart, John suffered a stroke and they had to cancel their trip. Their insurance company declined their claim for cancellation costs under the policy’s pre-existing medical condition exclusion clause.
Luggage left lonely
Insured goods left unattended in a public place.
Disclosed your pre-existing medical condition? No worries right?
Misleading information led the insured to believe the scope of cover was wider than the insurer intended to offer.
Eye of the Tiger
Insurance claim declined due to non-disclosure, but how much did the insured know at the time he applied for insurance?
