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PIQ College

The clock is ticking

For those of you yet to commence your qualifications under the new FSLAA regulations, the clock is now truly ticking. The alarm goes off on the 15th March 2023, and if you haven’t got your qualification by then you cannot give adv...

PIQ College

Scholarship recipient commits to the task

Professional IQ College provided an award late last year to Ivana Vink, the winner of the last KWT Scholarship.  The winner had 12 months to take up the Scholarship to undertake the College programme leading to the New Zealand Cert...

IBANZ Forum

Careless car insurance client

QUESTION: A client lives in an upmarket suburb and their house is up a long driveway some 80m+ long and not visible from the street front. Our client was having a number of guests around and as a result left his keys in his vehic...

IBANZ Forum

Theft or damage?

QUESTION: We have a client who has had two areas of netting damaged, one area slashed and cut, and another just further along has had a section slashed and cut out and the netting taken.  The netting is designed to stop...

IBANZ Forum

Cricketing quandary

QUESTION: A local cricket club was playing a game of cricket. A player during the game hit a ball, it cleared the boundary and hit a neighbouring property, causing damage. Under the Public Liability policy in place for the...

IBANZ Forum

Under the influence, or not?

QUESTION: A commercial client of mine has a Vehicle Fleet with approx 20 vehicles insured. In December 2020, one of their staff was driving home on a Friday evening, having stopped at a friends house for dinner and a few...

FSCL Case Study

Nowhere to hide for hidden costs

In 2020, two small business owners began to suspect that their former insurance broker had charged them fees without telling them. When they first placed their insurances through the broker in 2016, the broker sent them a bundle of...

FSCL Case Study

High value item risk

A client arranged travel insurance for her holiday in Spain through an insurance broker. The broker asked her about the details of her holiday and whether she had any pre-existing medical conditions. The broker did not ask whether...

FSCL Case Study

Does a broker have to go above and beyond?

A client had home, contents, and motor vehicle insurance with her insurer for a number of years. The insurer required the client to arrange the insurance through a broker, and insurance had to be paid by annual premiums. In...

IFSO Case Study

Stress after the storm

A massive storm caused damage and flooding to an insured’s house.  One of the insured, who was undergoing cancer treatment and immune-compromised, was concerned about living in a damp, damaged house. The insurer...

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