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.
Jason was booked to travel from Wellington to Athens to take up a work opportunity.
While Graeme was on holiday in India he underwent emergency surgery for a detached retina. Once he returned to New Zealand Graeme required a second surgery to further restore his vision. Graeme’s travel insurance covered his medical treatment in India but did not cover the cost of the second surgery in New Zealand.
While overseas you go to a busy restaurant. You sit down, order and place your handbag on the table. After enjoying your meal, you notice that your handbag is gone. You report the theft immediately to local authorities and notify your insurer and bank. Your insurance claim for the money in your handbag is declined because the money was not ‘on your person’ at the time of the theft. Is this fair?
The building on the premises Max leased to Steven suffered earthquake damage. An insurance claim was made for the building to be repaired. Steven decided to end the lease because the claim process was taking too long. Max was unable to find a new tenant. Max complained that had the claim process not taken such a long time, he would still be receiving rent from Steven and wanted compensation from the insurer.
Sophie was caught out by the stand down period when she changed insurers. Under the policy wording the insurer had no obligation to pay for medical treatment because the clinical signs occurred during the stand down period.
While Andrew and Penny were on a cruise they both fell ill and were quarantined on the ship for 5 days. Their claim for medical costs was declined because both Andrew and Penny were aged over 75 years.
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