Case Studies

Title Year Case summary
Benign tumour proves to be cancer and disrupts travel plans 2020

What happens if you do not think you need to tell your travel insurer about a benign tumour that will be removed before you travel?

Delayed sale 2020

Is it reasonable for a lender to take nine months to sell a voluntarily surrendered car?

Dream car disaster 2019

What happens when your circumstances change and you just cannot afford to keep your dream car?

Your brokerage fee is how much? 2019

Are you liable to pay a brokerage fee even if you decide not to proceed with the proposed lending?

Repossessed items sold off cheap 2020

What happens if, while you are in prison, a lender repossesses and sells secured items at an undervalue?

Video call resolution 2020

What happens if you are having real problems communicating, and you need the help of people who live in different cities?

Country of origin conundrum 2019

Yanxi was travelling home to China. Her luggage was delayed in Hong Kong. Was she covered for costs incurred waiting for her luggage to arrive in her hometown in mainland China or did her cover end when she arrived in Hong Kong?

Trading troubles 2019

A trading platform begins behaving suspiciously, but is any loss the credit card provider’s fault?

Fungi Fiasco 2019

A shipment of a product Yann ordered was quarantined and destroyed. When Yann tried to claim on his insurance for the loss of income and loss of the product, he discovered he was not covered. Was that the result of his broker’s negligent advice?

Pre-approval process incomplete 2020

What happens if you disclose a medical condition, but you fail to complete the process to ensure cover? Is your insurer liable?