Ask an Expert

Ask an Expert

Property damage problem

QUESTION Hi team, In the past, we have had claims declined because the allegation against our client didn't include actual property damage (even though there may have been some). This time, a claim has been declined b...

A Year in Review

Tenant cracks stove top

QUESTION Hi Team, I have had a client who is renting a property. A pot was dropped on the ceramic stove top leading to a chip. This has now grown into a crack and the landlord would like the top replaced. The landl...

Ask an Expert

Subsidence dispute

QUESTION Hi, The insuring clause of a policy covers any unforeseen and sudden physical loss or damage caused by; (f) subsidence, landslip, rockslide or any other movement. The same policy excludes - loss or ...

Ask an Expert

Body corp bother

QUESTION Hi Crossley, In respect of a body corporate, are we required to ask each unit owner whether they have adverse history to declare, as they are effectively an interested party of the body corporate, rather than the...

Ask an Expert

Can a driver force another to claim?

QUESTION Hello Two vehicles are involved in a motor accident.  Insured 1 was reversing their vehicle and hit a parked and unoccupied vehicle belonging to Insured 2. Both vehicle owners have fully comprehensive...

Ask an Expert

Hose clamp causes chaos

QUESTION... A client had a hose clamp come off an air hose causing the trailer to lose air pressure and the brakes to jam on causing the tyres to lock up and creating flat spots - 12 tyres were damaged. The relevant section of...

Ask an Expert

Is a sea wall a retaining wall?

QUESTION... Hi, I have a question from a client that has left me stumped! They have a sea wall - rocks piled in front of their property to keep soil back from the beach and stop the tidal action of waves from eroding the...

Ask an Expert

Vehicle stolen on the job

QUESTION... Hi all, Would love your thoughts on a current claim we have had a declinature on. Our client has arrived at their work site where they have parked across the driveway due to a Ute and trailer being parked in...

Ask an Expert

Is driveway road insured?

QUESTION... Hello At the end of a public road there is a tar-sealed road that winds up a hill and allows access to half a dozen homes. This road is named and appears on Google Maps. The six properties each have their own...

Ask an Expert

Defence costs cover query

Question: We have a client, a builder, who was joined to a legal case where it was ultimately found that the damage was due to incorrect engineering calculations that caused a property's foundations to slump.  Our...

Knowledge Base

Where members can access industry Resources & Media Content


Click here