Common issues

When dealing with insurance, loans, or other financial services, people often run into similar problems. Understanding these issues can help you avoid delays and disappointment.

Reasons insurance claims can be declined

Insurance claims are sometimes turned down. Read our guides below on some of the common reasons insurance claims are declined, including non-disclosure, lack of proof of ownership, and gradual damage. 

Breaching driver licence conditions

Gradual damage

Things to know about insurance

Having the right coverage, knowing what you are covered for, and what to expect from your insurance is important. Read our guides to common issues below. 

Lender breaches responsible lending obligations

Pete made a complaint saying that the credit limit increases he was given were unaffordable. 
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Policy cancellation dispute

Mr Spicer made a complaint because his policy had not been cancelled when he asked for it to be.
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Trauma cover conditions not met

Rachel's* insurer said she didn't meet the specific requirements for trauma cover.
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Flight delayed by weather

Tama's insurer declined to pay for the full cost of a replacement flight. 
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Two eyes, two excesses

Mr Kereama wanted his wife's two cataract surgeries treated as one procedure, with the second excess waived. 
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Dishonest statement about TV damage

Mrs Letterman's insurer declined her claim, saying she made a false statement. 
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