Case Studies

The following case summaries highlight common issues and consumer tips. Cases can be filtered by subject below and names have been changed to protect confidentiality. Access to the full case study database is available for IFSO Scheme Participants in the Participant Area.

Failure to remain at scene of accident

David's insurance claim was declined because he had failed to remain at the scene of the accident.
Vehicle Insurance

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No evidence of car service; claim declined

Ani's insurance claim was declined because she had breached the service requirement condition in her policy.
Vehicle Insurance

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Fraudulent insurance claim backfires

A man who made a fraudulent insurance claim for his car is now uninsured and could lose his house.
Vehicle Insurance fraud

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Business or displeasure?

Graham’s insurance claim was declined because he had not told his insurer he was using his vehicle for business purposes.
Vehicle Insurance

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Insurer declines burglary claim because of open window

Mr and Mrs Singh's claim was declined because they'd left a window open on a security stay during their holiday.
House and Contents Insurance

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Words debated following landslip

Lee said a heavy rain event was the underlying cause of the damage, not the landslip.
fire and general Natural Disasters

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Husband makes claim for obstetrics care for his wife’s pregnancy

The man said that it was “archaic” to view obstetrics care as limited to the person actually having the baby.
Health Insurance

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Flood damaged car not fully covered

In this case, the insurer should have clearly notified its customer of the unusual reduction in the agreed value of his car.
Vehicle Insurance Agreed Value

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Lending based on uncertain overtime and incorrect expenses

A financial mentor was able to help Jake get all the interest and fees on his loan refunded.
Lending financial mentor Loans & Credit affordability

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Defective earthquake repairs cause ongoing issues

Faulty repairs after the Christchurch earthquakes saw Amy make two complaints to the IFSO Scheme.
temporary accommodation House and Contents Insurance Natural Disasters

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Stolen goods lead to more losses

A company discovered an employee had stolen company property, including property owned by their clie...
theft consequential loss

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Pre-existing damage?

Mr S made a claim for water damage to his house, which occurred when his washing machine overflowed ...
flood washing machine gradual damage sudden damage

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