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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 a...
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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 t...
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...
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QUESTION: My client is insistent that their full cover should cover the damage to their other vehicle, (which has TPFT) when they reversed the fully covered vehicle into the one with TPFT (which was stationery). The insurer...
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Question: One of our insureds had their business vehicle stolen. There were some personal items in the vehicle that were stolen with the vehicle. The vehicle portion of the claim has been settled. Due to the high excess on...
IFSO Case Study
In a recent complaint to the IFSO Scheme, Sai* was seriously injured in a car accident, and suffered more pain when his claim payment was $12,000 less than he expected. Sai and his partner were seriously injured in the accident, and his...
FSCL Case Study
Lucinda* was driving her BMW by a lake when she was caught up in flash floods. Water splashed up into the engine bay and into the computer systems at the rear of the car. After getting the car towed home, she asked her insurance co...
