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Jessica
Consultant
Chris The Lawyer, Expert
Was your son using the car for delivery when the accident happened? If that was the case then the insurance company can refuse to cover the claim as that is excluded in the policy
Chris The Lawyer, Expert
Chris The Lawyer, Expert
They may have a point, but you can ask them to take the dispute to their internal disputes team and if they don’t change the decision you can review this through the insurance ombudsm
Chris The Lawyer, Expert
I see some issues about disclosure of the commercial use for the delivery and not including your son as a named driver. But it doesn’t cost anything to take those steps and you don’t need a lawyer to do this
Chris The Lawyer, Expert
Go direct to the ombudsman and say the insurance company is being diffic
Chris The Lawyer, Expert
You will need to say your insurance company declined a claim but will not need to say that the ombudsman declined the review
Chris The Lawyer, Expert
You need to contact the ombudsman and tell them the insurance company has refused to look at the dispute
Chris The Lawyer, Expert
Tell them the insurance company is refusing to respond so you have no option
Chris The Lawyer, Expert
Ok
Chris The Lawyer, Expert
At this site
https://www.ifso.nz
Chris The Lawyer, Expert
Ok