Vehicle Insurance

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Driver-only quandary

QUESTION: Our client had taken out PMV policy and it was named driver only comprehensive policy. Named driver is under 25. Driver's uncle was driving the car who caused the accident. He is over 25 and has no previous cla...

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Over 25% reduction in vehicle accident rates ac...

Revolutionary technology from global risk management innovator, eDriving, has forever changed the way driving is measured, reported and improved. MENTOR by eDriving is a state-of-the-art digital driver risk management app that uses sma...

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Careless car insurance client

QUESTION: A client lives in an upmarket suburb and their house is up a long driveway some 80m+ long and not visible from the street front. Our client was having a number of guests around and as a result left his keys in his vehic...

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Under the influence, or not?

QUESTION: A commercial client of mine has a Vehicle Fleet with approx 20 vehicles insured. In December 2020, one of their staff was driving home on a Friday evening, having stopped at a friends house for dinner and a few...

FSCL Case Study

Nowhere to hide for hidden costs

In 2020, two small business owners began to suspect that their former insurance broker had charged them fees without telling them. When they first placed their insurances through the broker in 2016, the broker sent them a bundle of...

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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...

FSCL Case Study

Value for money?

The insured bought his first car from a motor vehicle dealer for $8500. The dealer, acting as a agent for the lender, arranged the loan and included both mechanical breakdown insurance and guaranteed asset protection insurance without...

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Insurers investigate car parts questions

The Insurance Council of New Zealand and its members have recently been made aware of a car part supplier allegedly misrepresenting car parts as genuine to New Zealand repairers.  “We understand that since late last year...

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Service and repair obligations

Question: We recently had a claim declined under service and repair due to our clients' terms and conditions. The insurer has paid previous service and repair claims for this client and they have said the policy would...

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What’s the third-party liability?

Question: An insured person was driving vehicle to a mountain in early morning. An oncoming runner caused them to pull out slightly on the road and they hit black ice ± the vehicle fishtailed and went through a fence on...

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Insured twice

Question: We have a MVI policy that has just entered its third year, and the customer has paid in full on three invoices. My customer has realised they are insured elsewhere also since inception and requesting to stay with the...

IFSO Case Study

Recovery of excess

A man held insurance on his vehicle. In November 2018, he  discovered that the vehicle was “coated in a lime-type, concrete residue”. The vehicle had been parked in the carpark in his apartment building. ...

FSCL Case Study

Theft from a vehicle

Two friends were travelling overseas in a small hatchback car when they parked outside a service station to use the bathroom.  They left all their luggage in the back of the car, two daypacks in the back seat, and one man left...

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Loss of warranty

Question... We have a claim with significant damage, but not yet looking like a total loss, on a six-month-old digger. While the repairs are being undertaken by the official manufacturer, they are saying that the repairs will...

FSCL Case Study

How many excesses?

The insured ran an automotive glass repair company. In 2017 his company had to replace 144 windscreens that had sensors in them. The workmen who did the replacements did not recalibrate the sensors after replacing the windscreens. This...

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