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CR382 Mistake, lapsing, reliance, reinstatement Lapsed policy – insurer informing policyholder that if arrears paid the policy would be reinstated, and mistakenly advising that this would be without underwriting if reinstatement took place before a mentioned date – policyholder paying arrears before mentioned date – insurer invoking its mistake – policyholder entitled to enforce contract […]Read More
CR295 Reinstatement of policy [Cross reference from Lapsing; Pre-existing conditions] Policy lapsing due to non-payment of premiums when complainant in hospital for diabetes-related amputation – insurer initially refusing to reinstate, but later exercising its discretion in his favour – parties agreeing that arrear premiums be deducted from the sum assured at time of any claim […]Read More
CR206 Reinstatement of policy – poor service – policy wrongly terminated – provisions not allowing insurer’s action –. Background The complainant wrote to us in June 2005 and advised us that when she was nursing she took out a policy with an insurer via the SA Nursing Association. The premiums had been paid up to […]Read More
CR117 Advances made to third parties against an insurance policy without the knowledge or consent of insured – insured’s demand to insurer to reinstate value of policy as if advances not made Background In 1988 an endowment policy contract was entered into on the life of the complainant. The complainant was also the owner of […]Read More