Insurance Law

Insurance can be a minefield for the uninitiated.  Whether it is a car claim, a household claim or a distressing life or health claim, too often customers find themselves in dispute with their insurance company over claims settlements.

At Turner Hopkins, we have one of New Zealand’s most experienced insurance experts.  Andrew Hooker has 20 years experience as an insurance lawyer.  He has not only been involved in some of New Zealand’s leading insurance cases, but has also actually worked within the industry itself.  So he understands the ins and outs of insurance policies, processes and law.

Some pointers for our clients:

• Always provide full and accurate information to your insurance company when applying.  If you don’t, your insurance may be invalid.  And you won’t find out until it’s too late;
• Never lie to your insurance company when claiming.  Too often people tell their insurance company what they want them to hear, and if you do, your entire claim may be declined.  If you are concerned at any time about what you should say, get legal advice early.  You are entitled to get advice and it’s better to do so sooner rather than later;
• Don’t be tempted to exaggerate your claim.  Even one mis-described item can invalidate your entire claim.  Most good policies provide adequate cover and you’d be surprised what you’re entitled to receive;
•  Even if your insurance company tells you you’re not covered, that decision may be challengeable.  There are many laws and rules that restrict the circumstances in which insurance companies can decline your claim, and most of these are not known to the general public.

Most important – don’t leave it until it’s too late to get advice.  And if you think you are not being treated fairly, or your claim has been denied there are many avenues in which this can be challenged.