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Questions and answers about Insurance Law
I run a small building business with one employee. A client has claimed that our work caused water damage to their home, and I have public liability insurance but am unsure whether it will respond. How do these policies work?
Our home was badly damaged by fire and the insurer says the cost to rebuild is higher than my sum insured, and that they will only pay up to that amount or reduce the claim proportionally. Was I supposed to have been told about this, and what are my rights?
A flood damaged my business, does business interruption insurance help? 1 answer
1 answerA flood forced my shop to close for several weeks. My property is repaired, but the loss of income was significant. My insurer says that business interruption is not covered unless the damage was to my own premises. How does this work?
After a burglary at my business, the insurer’s investigator asked me to sit for a recorded interview and provide my bank statements. I feel like I am being treated as a suspect. Is this normal and what are my obligations?
How does Natural Hazards Commission cover work after an earthquake or slip? 1 answer
1 answerAfter a landslip damaged part of our property, I was told that a government body covers natural disaster damage before my private insurer does. I do not understand what is covered and who I should claim from first.
Where can I complain if I am unhappy with how my insurer handled my claim? 1 answer
1 answerI have been unhappy with the way my insurer has communicated with me and handled my claim, and its final response was unsatisfactory. I do not know whether there is an independent body I can go to or whether I have to sue.
I forgot to mention a medical condition when I took out life insurance 1 answer
1 answerA relative of mine died and the life insurer has refused to pay out because they say the policy holder did not disclose a health problem on the application form. The person did not think it was significant. Can the insurer really refuse to pay?
I had to cancel a holiday because a family member became seriously ill, but the travel insurer refused to pay, saying the condition was pre-existing. We had paid a large amount for flights and accommodation. Is that decision reasonable?
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