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Questions and answers about Insurance Law
The insurer wants to repair rather than replace my laptop, is that allowed? 1 answer
1 answerMy laptop was stolen and the insurer says it will pay for an equivalent refurbished model instead of a new one. I bought the laptop new a year ago and I do not want a used replacement. Can they choose how to settle my claim?
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?
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?
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?
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.
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?
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?
My tenant caused significant damage to the property, including holes in walls and ruined carpets, and left without paying. I have landlord insurance, but the insurer says only some of it is covered. How does this kind of cover work?
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