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.

Showing all Vehicle Insurance case studies

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A car bumped into me - no it didn’t

False statements can’t be retracted, and all policy holders are implicated.
Mr Green tried to withdraw a claim as he had told a “bit of a lie”. But it was too late.
Vehicle Insurance False Statements
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Teenage son flips parents’ car

It’s unlikely you’ll have cover if an accident occurs when you’re in breach of licence.
Simon, on a restricted licence, flipped his parents’ car while his sister was in the passenger seat.
Vehicle Insurance
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No cover for learner driver with passengers

Don’t expect to be covered if an accident occurs when you’re in breach of licence.
When Karl, with a learner driver’s licence, crashed on the Rimutaka ranges, he had 3 passengers. His claim was declined.
Vehicle Insurance
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No tyre tread, no cover

Check your car is roadworthy, including the tyre tread, even if it has a warrant.
Jeremy wrote off his car in wet weather. His claim was declined because of a "smooth tyre".
Vehicle Insurance
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Paying excess when it’s not your fault

You will have to pay an excess, even if you're not at fault. Some policies have limited exceptions.
Mia’s car was stolen and then found, but damaged. She wanted the excess to be refunded as she wasn’t at fault.
Vehicle Insurance
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Car written-off, pay out less than expected

Check your policy for how much you will be paid out if your car is a write-off. It may be less than you expect.
Katie thought she would get $10,500 for her written-off car, but the insurer offered the market value of $7,500.
Vehicle Insurance Sum Insured
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Miscommunication costs

Check changes to insurance documents are understood and recorded correctly
A company asked its financial adviser to changes its truck insurance policy to cover a temporary rental truck.
Financial Advisers Vehicle Insurance
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