Karen’s daughter, Harriet, went to the United Kingdom for a year’s exchange. Prior to Harriet’s departure she suffered a cardiac arrest. Harriet left for her exchange as planned. However her travel insurance company said that any losses resulted from a heart-related event would not be covered.
Insured failed to take reasonable care of his property when he left his bag in the baggage storage area on a public rickshaw, with people getting on and off, 2.5 metres away from where he was sitting while he was sleeping.
Jake suffered a traumatic experience during his stop-over in Kuala Lumpur on the way to the United Kingdom. After visiting a bar for a few drinks, Jake said he was drugged and mugged. His insurance company declined his claim because he had been drinking prior to the incident.
Gerry and his wife Mary booked a holiday to Antarctica. When Gerry bought travel insurance, he had a suspected haemorrhoid. Later, after further examination, Gerry was diagnosed with bowel cancer. His insurer denied Gerry’s claim for cancelling his trip because Gerry had a pre-existing medical condition.
Ben’s claim for a total disability benefit under his insurance is declined due to him not reaching the threshold of “totally disabled”.
Mia was an international student studying in New Zealand when she fell very ill and needed ongoing medical treatment. Mia submitted claims to her medical insurer but was not satisfied with the time it took to process her claims and with the insurer’s service in general. Mia asked FSCL to investigate her concerns.
Ratan was involved in a motorbike accident and then discovered his insurer would not pay the costs of repair, because he only had a learner’s motorbike licence.
You file a claim under your professional indemnity policy with your insurer for costs of appearing before a disciplinary tribunal. Your insurer investigates your claim and finds you had appeared before the same tribunal 3 years prior on a similar matter but you had not disclosed this to your insurer. Although you try to explain the situation, your insurer not only declines your claim but cancels your insurance and avoids the policy for the last 3 years. Can they do this?
While on holiday in America, you receive terrible news. Your mother, who has been living in London, passes away. You arrange to travel to her funeral and meet with family and friends. After the funeral you return to America and are able to catch your scheduled return flight to New Zealand. Once home in New Zealand you file your travel insurance claim for return flights from Los Angeles to London. Your claim for the flights is declined because your mother was not resident in New Zealand and you did not return to New Zealand for the funeral. Is this reasonable?
Application form altered removing loss of use cover leaving Hamish underinsured after an accident
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