insurance, what are common ways they try to void yours?

[fatjoez 3]

Just thought I'd open a discussion on insurance and some of the common points the insurance companies try to void your insurance on (in order to avoid paying out claims in a crash etc)

If you have a story on a voided insurance / non payout feel free to share

[Tristan 338]

Breach of license i.e. driving passengers on restricted/after hours etc.

[5amchris 45]

Most pay out as Market Value even if they say over the phone its the price you said make sure you read over your contracted.

[andrewm 236]

I found the terms were clearly laid out in my contract. For my previous insurer BNZ with the premier care comprehensive insurance i have nothing but praise, after my accident they asked few questions, 10 minutes on the phone and a tow was organised and my claim approved, no forms no waiting. Agreed value paid out minus excess in under a week.

[Grant 4]

I found the terms were clearly laid out in my contract. For my previous insurer BNZ with the premier care comprehensive insurance i have nothing but praise, after my accident they asked few questions, 10 minutes on the phone and a tow was organised and my claim approved, no forms no waiting. Agreed value paid out minus excess in under a week.

The same for me when I had my big accident (the other drivers fault). One phone call to the BNZ Premier Care 0800 number and it was all sorted.

I just walked away and left my car on the side of the road, and they took care of the rest. They paid the agreed value, not market value and let me buy the car back for stuff all.