Topic: Motor Vehicle Insurance

After a holiday, Sarah is tired and asks her partner to drive her car home from the airport. On the way home another car drives into them causing damage to Sarah’s car. Sarah claims for the repair costs from her insurer, however, her insurer declines the claim because, unbeknown to Sarah, her partner is a suspended driver. Sarah asked us to review her insurer’s decision to decline the claim.

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.

Application form altered removing loss of use cover leaving Hamish underinsured after an accident

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.

Kelvin accidentally hit a wandering cow while driving home late one night. Kelvin’s car was written off in this accident, but the insurance company declined Kelvin’s claim for the cost of the car.