IFSO Case Study
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...
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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...
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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
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...
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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
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...
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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
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...
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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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QUESTION: A garage door was damaged when a third party accidentally drove into it. The owner of the damaged property is a limited liability company. The third party was driving the company director's...
