Execuline Motor Underwriting Managers

Ombudsman Rulings

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Claim	Ruling

1) Breach of conditions	Not applicalbe in the circumstances of the case
2) Avoidance of contract for breach	Claim should be met (no prejudice to the Insurer)
3) Emergency dental treatment whilst travelling	Fell within the definition as stated in the dictionary
4) Proportionate refund on an annual policy in advance	Insurer view point upheld
5) Meaning of expression	Refund of excess and restatement of No claim bonus
6) Vehicle security (immobiliser)	Based on confirmation from the agent, Insurer was bound and had to pay the claim
7) Failure to take proper care of a cellular phone	Insurer should pay the claim
8) Insured's stolen vehicle - repudiation based on no insurable interest	Fair settlement to be paid
9) Insufficient / no response from Insurer	Claim to be entertained
10) Difficulties in claiming on a travel insurance policy	Claim to be settled
11) Terms and conditions of cover	Insurer to pay claim
12) Difficulties he experienced in pursuing a claim in terms of a Travel Insurance Policy.	Claim to be settled
13) Difficulties he experienced in pursuing a claim in terms of a Travel Insurance Policy.	Claim to be settled
14) Difficulties he experienced in pursuing a claim in terms of a travel insurance policy.	Insurers decition to decline claim upheld
15) Curtailment benefit following delays as a result of the September 11 events in the U.S.A was declined.	Claim to be settled
16) Documentation not received and insured not informed.	No response from Insurer - complainant entitled to be compensated
17) Terms and Conditions not stated to the insured	Excess to be reduced