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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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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 (I...
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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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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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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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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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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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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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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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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...
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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...
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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...
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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...
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QUESTION The claimant was engaged by a TP to install a solar array on the roof of their home. The insured is a solar installation company. The company made an inspection of the internal roof void but only identified...
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QUESTION If a tenant breaches a warranty under a material damage policy which gives rise to a claim, will the landlords’ policy still respond? Providing that the landlord has provided the tenant with a copy of the...
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