FSCL Case Study
Person B was an overseas student studying in New Zealand. She arranged travel insurance to cover her medical costs while in NZ. When she became pregnant, while in New Zealand, her medical expenses were covered by government funding...
FSCL Case Study
As a single mother, Person A decided she needed to get income protection insurance in case she had an incident leaving her unable to work and pay her expenses. She went to an adviser who recommended she also get mortgage repayment,...
IFSO Case Study
A warning has been issued for landlords whose tenants keep animals – or in this case, a covert pet refuge centre. The Insurance & Financial Services Ombudsman, Karen Stevens, issued the warning after a landlord was shocke...
FSCL Case Study
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
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
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
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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QUESTION The local hospice has a stand-alone dwelling on the grounds of the hospice which is used by relatives of patients for short-term stays. Multiple parties use the dwelling over the course of the year and for some periods...
IFSO Case Study
In January 2020, Mr B arranged cover for a trip to Bali, between 5 April 2020 and 17 April 2020. In February 2020, Mr B cancelled the trip, due to the outbreak of Covid-19. Mr B made a claim to the insurer for...
IFSO Case Study
Mr and Mrs A had cover for their house with the insurer. In January 2018, a significant storm event caused damage to the house. A couple of weeks later, a toilet at the house overflowed, associated with the cleaning of the septic tank...
FSCL Case Study
A woman had suffered from indigestion for years and had, from time to time, taken prescription medication to relieve the symptoms. In November 2019, she went to her doctor because she was experiencing heartburn and pain on her...
FSCL Case Study
In November 2019, a woman booked a trip to the Bahamas. She was scheduled to fly from New Zealand to Houston on 12 April 2020, and then onwards to Nassau, the capital of the Bahamas. The following day, she would fly from Nassau to...
FSCL Case Study
A couple were travelling by train through Europe. In a crowded train station, they needed to transfer trains and the woman accidentally left her handbag on the luggage rack. They did not realise she had lost her handbag until they...
IFSO Case Study
A couple arranged for contents insurance through their bank. Two years later, a bank employee telephoned the insurer on behalf of the woman, inquiring about specifying a lady’s watch. During this telephone discussion,...
IFSO Case Study
The insured held insurance on her house. In April 2019, she made a claim to the insurer, because her dog had vomited and had diarrhoea, damaging the carpet at the house over the course of a day. The insurer...
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