FSCL Case Study
Henry* owns an adventure tourism business. Henry has insurance for his business arranged through his insurance broker. In February 2023, the broker told Henry that his policies were due for renewal in March 2023. The broker s...
FSCL Case Study
Iris* works for a mining company that has a commercial motor vehicle insurance policy with the insurer. Iris regularly operates the company’s excavators. In August 2022, a mechanic came to the company’s site to repair a...
IFSO Case Study
When Rawiri’s* car was damaged in the Auckland floods, he thought he would be fully covered, having arranged car insurance with an agreed value of $19,000 just a year earlier. However, when Rawiri made his insurance claim, th...
IFSO Case Study
Amy's* house was damaged in the Christchurch earthquakes. She made a claim under her house insurance and her insurer arranged the repairs. Several years later, Amy found the repairs to be defective, but her insurer declined to...
FSCL Case Study
Debra* has a fabric manufacturing business. Debra’s stock is manufactured and stored in a large factory in Wellington where she has 14 staff members. One evening after Debra and her staff had left work for the day, several...
FSCL Case Study
John* and Ida* booked flights to Queenstown for a guided hiking tour in March 2023. Their hiking tour was scheduled to begin the morning after they arrived in Queenstown. John and Ida's flight was cancelled due to poor weather...
IFSO Case Study
Mr P held third party, fire and theft cover on his motorhome. In 2021, Mr P died and his son, Mr G, received his motorhome. Mr G changed the registration of the motorhome into his name. He also listed the motorhome on TradeMe, and...
FSCL Case Study
In December 2020, Mike* asked his insurance adviser to arrange cover for a new car (“car A”) under his business insurance policy. The adviser replied asking Mike to confirm some details. Mike did not reply to the email, but...
Feature
A UK case provides helpful guidance on insurance policy wording, writes Zoë B...
Brian Leighton (Garages) Ltd (BLG) operated a workshop and 24-hour petrol station in East Yorkshire. In June 2014, a sharp object pierced a section of pipe which connected an underground fuel tank to six of BLG’s forecourt...FSCL Case Study
Mandy* arranged insurance for her property maintenance business. In March 2021, Mandy’s property maintenance company secured a new contract to replace a roof. When it was identified that the roof consisted of asbestos, Mandy...
