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Wear and tear

Question... My client has a motor vehicle accident whilst towing a trailer where he lost control and spun off the road. The insurer accepted the claim but disputes some of the damage advising it is general wear and tear (this inv...

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Run-off cover

Question... I am having discussions with an insurer at the moment regarding run-off cover for public liability (PL) insurance. Not for the first time, I have been advised that run-off cover is not required for PL insurance as it ...

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Tenant damage

Question... I'm dealing with a material damage policy, taken out by the insured, a property owner. The insured©s tenant runs a backpacking business from the building. The tenant allowed one of their staff members to...

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Carpet damage

Question... Our client purchased a contract works insurance policy for a 12-month period to cover some major alterations they were doing in their home. Included in the contract works policy was cover for the existing structure....

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Ex-gratia payments and third parties

Question... In a situation where an insurer makes an ex-gratia payment to their client under a material damage policy, does the insurer still obtain the right to subrogated recoveries against a liable third party?...

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Partial replacement

Question... Our client has had one rim damaged after a stone was lodged between the brake calipers and the rim. The client has not been able to buy the same rim as they have been discontinued so has had to purchase a brand new...

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