While Olivia was on holiday she damaged her rental car. Olivia’s insurance covered all direct costs of repairing the car. However, Olivia was liable to pay the rental car company for other costs which were not classified as “direct costs” by her insurer.
Following the excision of a melanoma on Nigel’s hand, Nigel and Pam continued with their plans to take a cruise around Europe. However, 4 months later Nigel was unexpectedly told that he would require further surgery to completely remove the melanoma. Pam and Nigel cancelled their cruise. They submitted an insurance claim for the cancellation costs but the claim was declined.
Adviser incorrectly advised customer insurer would refund premium loadings influencing customer’s decision to keep policy causing customer direct loss and financial hardship.
Sophie travelled to Australia but only purchased her return ticket to New Zealand once she had arrived in Australia. When Sophie went to make a travel insurance claim her insurance company told her that she had not met its eligibility criteria to receive insurance cover.
You’ve booked a trip to travel to Australia with your elderly mother. You have to cancel the trip and your mother cannot travel without you. You tell your insurer this and then you book another trip to Rarotonga with your mother, during which your mother passes away. Your insurer then tells you there is only cover for people aged 59 years or less, and will not uphold your claim for additional expenses incurred. FSCL investigates.
Iain wants his benefits under a group insurance policy held by his employer for the benefit of employees to continue when his employment ends. Unfortunately the insurance broker does not receive Iain’s notice and he loses his cover.
Nina says she was told by a sales agent and her insurance company’s call centre that her vehicle insurance would cover her hybrid vehicle battery. Her insurance company did not agree there had been a misrepresentation and declined her claim under an exclusion clause excluding cover for batteries.
Julie took out pet insurance for her dog Pixie. She received a letter to warn her that Pixie’s insurance policy was coming up for renewal. However, Julie misread the letter and thought the premium would be automatically charged to her credit card. The premium went unpaid and Pixie’s policy lapsed. Julie wanted the insurance policy reinstated.
Following Jason’s grandson in the United Kingdom being hospitalised, Jason cancelled his family holiday to Florida. Jason made a claim under his travel insurance policy for his lost deposit.
You start to suffer from symptoms of mercury poisoning while travelling overseas. You and your travel insurance company cannot agree on the quantum of your claim for ongoing medical costs incurred upon returning to New Zealand.
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