Case Study 3 – A family home

Case Study 3 – A family home

A family home. This is a case of home insurance bought online. A fire destroyed the newly acquired family home but an alleged misdescription of information entered into the on line ’boxes‘ caused insurers to refuse indemnity. It shows the unintended risks to policyholders of inflexible fast-track quoting.

With non-confrontational and pragmatic commercial reasoning and the application of insurance practice precedent it was possible, however, to present a case to insurers that allowed us to resolve the claim dispute.

It is nevertheless a warning of how calamitous outcomes can be and the consequence of the ease with which insurance is now bought remotely without an experienced insurance broker’s professional advice.