Vehicle Accident

IFSO Case Study

Driving under the influence

The insurer asked Rose* whether she had taken any medication in the 24 hours prior to her car accident. Rose said she had taken half a sleeping pill at 11pm the night before. Dispute over sleeping pill Heather* had car insur...

IFSO Case Study

No evidence of car service - Claim declined

Ani* made a claim on her mechanical breakdown policy when her car’s transmission failed. However, her claim was declined because she had breached the service requirement condition in her policy. This condition required Ani to serv...

Feature

AMI survey: More than half of drivers distracte...

More than 55% of drivers have admitted to being distracted on the road, while 21% say they have driven under the influence of drugs or alcohol, according to an AMI survey. The insurer’s national survey found that mobile phone...

IBANZ Forum

Can a driver force another to claim?

QUESTION Hello Two vehicles are involved in a motor accident.  Insured 1 was reversing their vehicle and hit a parked and unoccupied vehicle belonging to Insured 2. Both vehicle owners have fully comprehensive...

IFSO Case Study

Business or displeasure?

The declined claim In June 2023, Graham’s* vehicle broke down on the motorway and was then hit from behind by another vehicle.  Graham made a claim to his insurer, but the insurer declined the claim and avoided the...

IBANZ Forum

Hose clamp causes chaos

QUESTION... A client had a hose clamp come off an air hose causing the trailer to lose air pressure and the brakes to jam on causing the tyres to lock up and creating flat spots - 12 tyres were damaged. The relevant section of...

FSCL Case Study

Loose bolts cause dispute

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...

IBANZ Forum

Reasonable care clash

Question: I have had a motor vehicle claim declined due to the driver breaching the reasonable care condition of the policy. The policy states - 2.4 Reasonable care The Insured must take all reasonable steps...

FSCL Case Study

Communication goes both ways

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...

IBANZ Forum

Liability for third party vehicle

QUESTION: Our client's vehicle hit a third party (no dispute —it was our client at fault). Our client's policy excluded U25's and an U25 was driving, so our client is liable for the third party damage....

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