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PIQ College

Pastoral Care in Education

What is education? E ducation is the process of facilitating learning, or the acquisition of knowledge, skills, values, beliefs, and habits.  Methods can include teaching, training, storytelling, discussion, directed...

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What’s the impact of a road closure?

Question: We have a client with the following clause on their B.I. policy CLOSURE OF TRANSPORT ROUTES, PORTS OR AIRPORTS: You are insured for business interruption resulting directly from: 1. property damage...

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When should policy wordings be issued?

Question: Once policy wordings have been issued to a client at (or before) the inception of the policies, is there a generally accepted frequency of how often they need to be re-issued? Is there a requirement at every rene...

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Service and repair obligations

Question: We recently had a claim declined under service and repair due to our clients' terms and conditions. The insurer has paid previous service and repair claims for this client and they have said the policy would...

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What’s the third-party liability?

Question: An insured person was driving vehicle to a mountain in early morning. An oncoming runner caused them to pull out slightly on the road and they hit black ice ± the vehicle fishtailed and went through a fence on...

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Insured twice

Question: We have a MVI policy that has just entered its third year, and the customer has paid in full on three invoices. My customer has realised they are insured elsewhere also since inception and requesting to stay with the...

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Should the client have googled?

Question: We have a client (a builder) who lifted up a granite benchtop by a few inches from one end to allow for some adjustments to be made to the cabinetry it was sitting on. It then cracked right through the centre and has...

IFSO Case Study

Recovery of excess

A man held insurance on his vehicle. In November 2018, he  discovered that the vehicle was “coated in a lime-type, concrete residue”. The vehicle had been parked in the carpark in his apartment building. ...

IFSO Case Study

Covid-19 puts end to trip

In October 2019, a couple arranged cover for a trip between March 13 and April 1, 2020, including a cruise to parts of South America, together with the Falkland Islands and Antarctica.  On March  13, 2020, they left on...

FSCL Case Study

Theft from a vehicle

Two friends were travelling overseas in a small hatchback car when they parked outside a service station to use the bathroom.  They left all their luggage in the back of the car, two daypacks in the back seat, and one man left...

FSCL Case Study

Disclosing a ‘benign’ lump

In July, a woman discovered a lump in her breast She went for a scan in August and, in September, was told that it was benign, but that it should probably be removed. She scheduled the operation for November. In October, she and...

Feature

IAG investigating expanding vehicle repair faci...

IAG has completed a review of its trial vehicle repair facility, Repairhub, which opened in East Tamaki, Auckland in November 2019.  IAG executive general manager claims Dean MacGregor said the trial had been a success...

Feature

­­­Vero survey finds up to one in three SMEs co...

About a third of New Zealand small businesses are thinking about changing their business insurance, research from insurer Vero shows. Vero has surveyed more than 600 New Zealand small-to-medium enterprises (SMEs) across the...

Feature

Another professional insurance organisation for...

A new insurance organisation hopes to fill a gap in the market for underwriting agents. The New Zealand Underwriting Agencies Council has been set up to cater for what it says are underwriting agents’ unique issues and...

Opinion

Insurance Council calls for fire funding

The Insurance Council of New Zealand (ICNZ) is calling on political parties to back volunteer and paid firefighters by funding them appropriately for their services, much like the police are funded. It follows the publication of...

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