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Tenants and carpet

Question... A tap was left on in a commercial building. Flooding caused saturated carpets and damage to walls and skirting boards. The LA is suggesting split the cost 50/50 as the tenant is responsible for the carpet per ...

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Loss of warranty

Question... We have a claim with significant damage, but not yet looking like a total loss, on a six-month-old digger. While the repairs are being undertaken by the official manufacturer, they are saying that the repairs will vo...

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Who to take directions from?

Question... My clients have recently separated, and their house and contents policies are in joint names. One party has moved out into another jointly-owned home. The separation, after many years of marriage, is far from ...

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Credit card definition

Question... Is a "fuel card" deemed to be the same as a "credit card" ? Client has had a fuel card stolen and used. We are trying to put a claim under a crime policy but there is not definition under the...

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Coronavirus and travel

Question... We appear to have an unusual situation with travel policies and their response to the coronavirus. In general terms, the current advice is as follows. For any travellers proceeding with travel plans, there is...

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Not sick enough

Two people had planned a safari tour to Africa. Both obtained travel insurance policies from the same insurer. A month before their trip, one man got ill and his GP declared that he was unfit to travel for the next three months. ...

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Cover for missed flight

Question: We have a client insured under a corporate travel policy. One of their staff missed flights and had to get new flights due to a spelling mistake in their name on the tickets. This error cost $4500 to fix. The...

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What counts as ‘internal’?

Question: We have a situation with a leak under the driveway within a residential property. Under the home definition the driveway is included as long as it is within residential boundaries. The client has a leak...

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Timing concerns

Question: We are looking at changing general liability providers for a plumbing business. There are no known claims or circumstances likely to give rise to a claim. Due to the nature of the plumbing industry and the...

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Who’s out of pocket?

Question: The client is a franchise motor vehicle dealer which includes own workshop. They were contracted to carry out a factory recall repair on a tractor which required removal of the motor by the insured and the...

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How many times is levy due?

Question A number of classic cars are held in a museum. The broker and insurer agree to insure the vehicles under a material damage policy whilst on display. The broker supplies the list of vehicles to the insurer each year and...

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Pre-settlement insurance

Question A client has agreed to purchase a house over which the seller holds home insurance. When the property goes unconditional the purchaser wishes to undertake some building/renovation work prior to settlement. Both...

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Boss’s travel goes wrong

Question.. Hope you can assist on a little travel claim as the insurers are declining based on semantics. Our client has a corporate travel policy in place. Our client makes up part of the executive management team and is...

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Insuring against yourself

Question... I have a company who is constructing a building in their own name. They have arranged contract works insurance, but have also asked about defective workmanship. As the building is owned by them, I advised they could...

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Marital property

Question... Our client had a car that was insured in his name stolen. The claim was recently settled by payment to his nominated account.  His wife has now asked for details of the settlement as she says she is...

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