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Solar struggle

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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Tenant breaches warranty

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 w...

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To bailee or not to bailee?

QUESTION My client runs a small self-storage facility, mainly made up of shipping containers. The terms and conditions of storage that he requires all clients to sign state: "The service provided to you, the storer, ...

IFSO Case Study

Covid travel dispute settled

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...

FSCL Case Study

Cancer not a pre-existing condition

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

Bahamas blunder

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

Insurer wins out on handbag dispute

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...

Feature

Former Lloyd’s exec joins Delta

Kiwi underwriting agency Delta Insurance Group has hired Kent Chaplin, a former senior executive at Lloyd’s of London, as its chief operating officer. Chaplin is a former chief executive and regional head for Lloyd’s in...

Feature

Profits grow at Suncorp

Suncorp New Zealand recorded strong profits in the six months to December and continues to support customers facing Covid-related financial hardship. The insurance group announced a net profit after tax of NZ$129 million for the...

Opinion

The implications of England’s business interrup...

As readers now know, the test case brought by the Financial Conduct Authority in the English High Court challenging the declinature of many Covid-19 claims under Business Interruption Policies in England was largely successful. Many of...

Feature

Caring for works of art and protecting them aga...

Every art collection faces a range of physical exposures, and natural disasters such as cyclones, earthquakes, and bushfires are all potential risks. However, most art losses are due to transit, water, fire, theft, inadequate storage,...

Profile

Lee Garvey: Looking ahead in 2021

Lee Garvey, who has worked for all three major global brokers, was recently appointed as Willis Towers Watson’s head of financial solutions for Australia and New Zealand. Garvey talks to Covernote about the credit,...

SPOTLIGHT ON

Profile

Vero Liability hails retiring industry leader

Insurer Vero Liability has raised a toast to the retiring Allan Cameron, who has stepped down after 15 years at the company and 60 years in the New Zealand insurance sector. At an industry event at VL’s Auckland office in...

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Threshold for an interruption claim

Question. .. A motor vehicle dealership holds a BI policy and insures their full gross profit. The operative clause reads: ".....the insurer agrees to indemnify the insured for loss resulting from interruption to or...

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Dog on driveway

Question... Our insured was contracted to perform some plumbing work on a property. An employee of the insured elected to take their dog to work. The dog escaped and ran over a neighbour's property that was under...

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