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CIVIL LAW

Insurance Law

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Insurance Law is a huge topic. 

We provide you with a good coverage of all the relevant law and useful tips.

You need to know your rights if you think you have had a raw deal from an insurance company.   We tell you what you can do.

We have also provide you with some useful related topics in the boxes at the top and the bottom of this page for your assistance.

We suggest you read all of this page first and then return to the blue links which are repeated at the bottom of the page.

We provide you with a direct link below to a very useful oversight in the Website of the Ministry of Consumer Affairs. 

Just click on :

 

.  .  .  Ministry of Consumer Affairs. 

 

We also provide you with a direct link to the section in the Website for Consumer Online. This reference will give you a lot of detail on matters relating to insurance.

Just click on :    ( and type in the word 'insurance' in the Search box )

 

.  .  .  Consumer Online

 

You should also visit the following site :

 

.  .  .  Insurance and Savings Ombudsman

 

What Do You Need To Know About Insurance?

The main thing you need to know is that the agreement you enter into with an insurance company is a contract which can be enforced through the Courts.

If the insurance company says you are not covered, and you think you are covered, then you can have the dispute resolved in a Court, or through mediation or perhaps through a complaint to the Insurance and Savings Ombudsman. 

So further on in this topic we will discuss the following remedies :


Feedback/Reviews/Blogs
"My neighbour had her bag snatched in the main st of Papakura. Her insurance company will pay to get the locks replaced for her house but not for her car. I think this is extremely unfair as her car was not the target for the theft.

We agree . . . Insurances Companies are increasingly relying on small print and NOT saying at the time the insurance is taken out that a car insurance does NOT cover items pinched from inside the car, and, in this case, obviously consider that the car is not similar to the house. It is best to get your Policy and sit down with an Insurance Company Rep. and try and discuss every little thing that could arise for which you would like to have coverage. - Netlaw"

Feedback/Blogs/Reviews from related topic: Bankruptcy and Insolvency
"Membership No 186685
I have been unable to acquire any case law in regards to bankruptcy. I am thge alleged defendant in the matter and have opposed the application for bankruptcy as I am not the defendant. The case is now at the stage of the high court requiring a synopsis under 251a, I wish to make submissions in not being notified of the hearing at the district court after the notice of proceeding was served. The matter then got judgement without my knowledge and is now before the high court for bankruptcy. Please advise the procedure to locate any supportive case law that may assist with my application to set aside the bankrupcy claim.

Kindest Regards
A.Marsh
I "

"You will certainly get a rehearing if you were not notified but, if you simply misread the documents you were originally served with then you could be in trouble. You must actively follow up on your obligation to file and serve a defence and not just wait for the Court to come to you. Good luck . . . Netlaw "
"Likewise . . . very helpful. Thanks. Gerald - May 2007 - Tauranga"
"Received notice from a creditors lawyer that they wish to put in companiy into liquidation and I have up to today upon receiving their letter. A Statory Demand was intially sent on 7 Aril 2008, which I reponded with a reply explaining that an arrangement (verbal) had been entered in by both parties which was to continue supply, once company got post dated cheques, company stopped surpply and but still continued to present cheques which was not the agreement which was entred into.
What position does that leave me if I want to legal challenge this. Without causing me excessive expresses.

Rina

Netlaw responds: If you say that they cannot properly sue because there was a new agreement for time payment, then you can apply for an injunction saying that the Statutory Demand Notice is wrong. But it will cost you. An injunction should not be done without legal advice. Type up a Statement setting out precisiely all the facts as you know them and see a lawyer as soon as possible. A letter shouid be sent to the other side saying how inappropriate the Demand procedure is when the subsequent agreement between the parties was made and kept by you. But you must get your facts right!"

Feedback/Blogs/Reviews from related topic: Bankruptcy and Insolvency
"I am a retired Solicitor from Kent in England and the $45 I spent on your site was really helpful because I am intending settling in New Zealand and your "one stop shop" was a real boon to me. Thanks again. Arnold T. Devon, England"
Feedback/Blogs/Reviews from related topic: Bankruptcy and Insolvency
"I found this interesting. I want to sue for punitive damages and I was interested to learn that our courts are pretty conservative. I think the Welfare have quite wrongly taken my kids and I have found out that the affidavit they gave to a Judge to get an order to uplift them was known to the Welfare to be incorrect. They told the Judge that I had drug convictions but when I found out 5 months ago that they thought that I proved then to them that this was untrue yet I have now found that they have still put this false evidence in an affidavit. But they have also told other people about my "drug convictions". You have to watch these people. (name witheld) - May 2007"
Feedback/Blogs/Reviews from related topic: Bankruptcy and Insolvency
"The fact examples or samples really helped me. Your topic also gave me confidence to speak up for myself. My case was a simple car accident but the other driver wouldn't pay and my lawyer was going to charge me $700 just to help. Netlaw allowed me successfully to "go it alone". Thanks. Thanks. I am on to making my own will now. Miriam (and hubbie)"
Feedback/Blogs/Reviews from related topic: Bankruptcy and Insolvency
"A one stop shop for flatting problems. Thanks Jenna. Blenheim"
Feedback/Blogs/Reviews from related topic: Bankruptcy and Insolvency
"Doesn't really answer the question as to how to appeal to the High Court

We will add to this topic before the end of October 2007 . . . . Netlaw"

Feedback/Blogs/Reviews from related topic: Bankruptcy and Insolvency
"Great. See the other topics on Statement of Claim -Some Examples - Graeme - Tauranga"
Feedback/Blogs/Reviews from related topic: Bankruptcy and Insolvency
"A fun topic. I can remember when I was a lawyer's secretary. He had a wee figurine of a barrister on his desk with a sign on it saying "Sue The Bastards" but, then, he should know because he was a bastard too, but a very good lawyer. (name withheld)"
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