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Questions and answers about Insurance Law
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.
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 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?
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?
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?
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?
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?
An insurer denied my income protection claim because I could still do some work 1 answer
1 answerI have a back condition and my income protection insurer says I am able to do some kind of work, so they stopped my benefit. My doctor says I am unfit for my normal job. How do insurers decide this? Nobody has given me a straight answer and I want to understand where I actually stand.
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