:: Case Review: Insurance

Summary of some of the decisions made by the Mediators on some of the complaints received by FMB.
This summary is for information only and should not be used for other purpose.

1. FMB/GI 0168, 0507 & 0532 – Claim for Loss of Parts of Vehicle



2. FMB/GI 0480 – Non-disclosure of Previous Loss



3. FMB/GI 0072 – Ambiguity in Proposal Form



4. FMB/GI 0250 – Non-disclosure of Death of Insured



5. FMB/GI 0107, 0165 & 0434 – Delay in Giving Notice of Accident



6. FMB/GI 0421 – Notice Given to the Agent



7. FMB/GI 0511, 0551 & 0575 – Notice Given to Agent



8. FMB/GI 0042 – Verbal Notification



9. FMB/GI 0086 – Misstatement of Driver in Police Report



10. FMB/GI 0088 – Unauthorised Driver



11. FMB/GI 0077 – Accidental Collision/Reasonable Steps to Safeguard Vehicle from Damage



12. FMB/GI 0169 – Insurers’ Right to seek Contribution



13. IMB/3501 – Evidence to Support Ground of Repudiation



14. IMB/3701 – Commencement of Policy Coverage



15. FMB/GI 0037 – Whether Injury Arise Out of and in the Course of Employment



16. FMB/GI 0043 – Ambiguity in Policy Document



17. FMB/GI 0050 – Whether there was Accidental Collision



18. FMB/GI 0400 – Whether there was Accidental Collision



19. FMB/GI 0475 – Ambiguity in Policy Exclusion (Goods-In-Transit)



20. IMB/3763 – Whether Damage was due to ‘Flood’ as defined in the Policy



21. FMB/GI 0363 – Non-disclosure of Material Fact/Failure to Take Reasonable Precaution



22. FMB/GI 0378 – Reasonable Precautions to Safeguard Vehicle from Loss



23. FMB/GI 0334 – Theft of Parts of Motorcycle



24. FMB/GI 0286 – Loss of Contents (Householder Policy)



25. FMB/GI 0302 – Treatment for Pre-Existing Illness



26. FMB/GI 0424 – Repudiation of Liability Based on Direct Sales Act 1993



27. FMB/GI 0545 – Whether Insured is Bound by Terms & Conditions of Policy



28. FMB/GI 0597 – Windscreen Damage Claim



29. IMB/1879/L – Non-disclosure of Pre-Existing Illness



30. FMB/LI 0048 Non-disclosure of Pre-Existing Illness



31. FMB/LI 0087 Non-disclosure of Pre-Existing Illness



32. FMB/LI 0325 Non-disclosure of Pre-Existing Illness



33. FMB/LI 0294 Non-Disclosure of Pre-Existing Illness



34. FMB/LI 0274 Non-Disclosure of Pre-Existing Illness



35. IMB/1925/L Fact Within Insurers’ Knowledge



36. IMB/1877/L Temporary Disability Benefit



37. IMB/1834/L Temporary Disability Benefit



38. IMB/1755/L Whether Assured Suffers Total Permanent Disability



39. FMB/LI 0001 Definition of Kidney Failure



40. FMB/LI 0012 Time for giving Notice of Disability



41. IMB/1886/L Treatment Necessitated by accidental injury



42. FMB/LI 0237 Whether Hospitalization Was Due to Complication of an excluded illness