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Misunderstanding “off-roading”

A man complained his insurer had an incorrect understanding of the term “off-roading”. His claim had been declined after his vehicle stopped in the middle of a river. In May 2020, Mr Vaai* was driving his vehicle i...

IFSO Case Study

Impact of Covid-19 and redundancy

Mrs Hall* had payment protection insurance and made a claim to the insurer when her employer terminated her employment due to COVID-19. The insurer declined the claim, on the basis that Mrs Hall had been made redundant due to the i...

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Wine liability

Question: Our client contracts to a large transport company who has contracts with wineries to transport grapes from their vineyards. The client is paid on an hourly basis to transport the grapes on behalf of the transpor...

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Vermin problem

Question: Birds have set up nests in the outdoor component of our client’s combine heater & hot water system causing both direct & resulting damage. The policy exclusion states cover is excluded for damage...

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Solar panel theft

Question: The insured operates a communications business which includes the setting up and supply of radio networks. They have over 20 transmitting sites throughout NZ, many of these are in high altitude remote areas. Due...

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Dog walker dilemma

Question: We have a dog walker who a colleague is looking to provide quotes for under GL. We have it agreed by insurers we have got terms from that the Care Custody Control (CCC) extension will extend to treat dogs as...

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Under the influence of drugs

QUESTION: Policy exclusion: "This policy does not insure loss to or liability arising from any insured vehicle while it is being driven by any person who is under the influence of any intoxicating substance or drug."...

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Shared fence dispute

QUESTION: Our client has a shared fence with a neighbour. The fence blew down during some of the big storms. Our client provided a quote to their insurer that stated repairs costs and replacement costs. Their Insurer...

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Pleasurecraft: is insurer on board?

QUESTION: Insured sold their pleasurecraft a year ago, the purchaser has not paid the full amount (will pay remainder later) but essentially owns the vessel. The vessel continued to be insured because the client assumed that...

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Car swap gone wrong

QUESTION: The client had a mutual agreement to swap his vehicle for another vehicle with a third party. However, a disagreement broke out, and our client’s vehicle was taken with the keys and was left with no vehicle....

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Driver-only quandary

QUESTION: Our client had taken out PMV policy and it was named driver only comprehensive policy. Named driver is under 25. Driver's uncle was driving the car who caused the accident. He is over 25 and has no previous...

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What is ‘gradual change’?

QUESTION: A client had a bird nest under some roof tiles which caused water to get into a lounge ceiling. The property is the insured's weekend home and the water damage to the ceiling was not found until the following...

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Damage on location

QUESTION: We have a client who rented a home for a commercial shoot. The shoot was over two days, after the shoot the owner noticed several areas of damage after the shoot. The Insurer wants to apply a separate excess to...

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Supply of goods inclusion in PL

QUESTION: We have a client who was engaged to renovate a home. This involved replacing some flooring with secondhand tawa flooring to match existing. The flooring was purchased from a dealer but once laid and sanded back was...

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Tree trouble

QUESTION: A tree in a car park owned by a commercial landlord breaks in a weather event and damages a trailer parked in the car park and owned by the tenant to the building. The landlord wishes to make a claim for the...

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