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Questions and answers about Insurance Law
Can my insurer cancel my policy or refuse to renew because of a claim? 1 answer
1 answerAfter we made a flooding claim on our house, the insurer told us it would not renew our policy, and other insurers are quoting very high premiums or declining altogether. Is that legal, and what can we do?
My car was written off and the insurer’s offer is much lower than expected 1 answer
1 answerAfter an accident, my car was declared a total loss, and the insurer offered a payout that is thousands of dollars less than I think the car was worth. I did not agree to any value at the start. How is the value decided and can I dispute it?
We made a claim more than six months ago and the insurer keeps asking for more documents and telling us that it is still being assessed. We are living in temporary accommodation and paying our own costs. What can we do about the delay?
My car was damaged while parked on the street, and the other driver drove off. My insurer is asking for an excess before it will repair the car. Since it was not my fault, why should I pay anything? I have never dealt with anything like this before and would like to understand my options clearly.
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?
Water damage appeared in my ceiling and the insurer sent an assessor who said the leak came from a worn pipe fitting, so the claim was declined under a wear and tear exclusion. I have paid premiums for years without a claim. Can they really refuse?
What is the difference between a broker and an insurer if something goes wrong? 1 answer
1 answerI bought my business insurance through a broker who said I was fully covered. When I made a claim, the insurer said the risk was excluded. Who is responsible, the broker or the insurer, and can I claim against either?
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?
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