While travelling back from Australia, Sally discovers her jewellery is missing from her handbag. FSCL weighs the evidence and decides John and Sally’s travel insurance claim to replace the jewellery should not be upheld.
While on holiday in Thailand, Eric’s tooth fell out. Eric received dental treatment in Thailand. Upon his return Eric made a claim to his insurer for his dental treatment. However, his insurance company declined his claim.
A small business has an ongoing water problem and has suffered financial loss. The business’s insurer does accept the quantum of the business interruption claim. How can conciliation assist in reaching an early resolution to a protracted matter?
Is there a difference between a closure value and a surrender value under a life insurance and funeral benefit policy?
You have complimentary travel insurance with your credit card, but the length of your trip exceeds the policy’s maximum 35 day limit on cover. You change your flights for health reasons and re-book to be away for less than 35 days, but the insurer declined your claim for the change costs. Is the insurer able to do this?
Whilst on a cruise in the United States, Barry became ill. Barry incurred hefty medical bills for his overseas treatment. He made a claim to his travel insurance company for his medical bills. However, his claim was declined.
Daniel could not afford to pay his insurance premiums. At first Daniel’s broker loaned him the premium amount, but Daniel’s policies did lapse. Daniel complained that after his policies lapsed he did make a payment to his broker and his policies should have been reinstated.
Damage to bike not covered by insurance policy because the bike was not transported in a hard case as required by the policy.
You crack your tooth on a hard piece of lobster shell while on your cruise and suffer through the next few days before returning home. Once at home you see your dentist and they complete a root canal on the injured tooth. Your dentist bills you $1,900 for the procedure and you claim for the cost under your travel insurance. Can your policy respond?
An unfortunate situation of lapsed health policies and a subsequent cancer diagnosis. FSCL investigates whether there was evidence of reinstatement of the policies.
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