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31 results on '"INSURANCE"'

1. Perceptions over flood insurance in Australia.

Author

Starominski-Uehara, Marvin

Subjects
FLOOD insurance, LITERATURE reviews, INSURANCE policies, FLOOD risk, INSURANCE premiums
Abstract

This study reviews perceptions over flood insurance and the purchase of this measure among residents living in Southeast Queensland, Australia. The decision of householders living in eleven suburbs in Brisbane to take up flood insurance is analysed by an exploratory model that regresses a polar dependent variable with 22 independent variables directly associated with flood insurance experience. The main findings, based on a questionnaire personally delivered to 1796 householders (homeowners and renters) randomly selected and representing a survey return rate of 26.16% (N = 469), are (i) the need to review and include a clear definition of 'flooding' in insurance policies to minimize unexpected surprises by policyholders claiming coverage for this hazard; (ii) the neutral influence that insurers' recommendations exert on householders' decisions to engage in residential flood risk reduction measures; (iii) the self-reliance of householders living in risky areas even in the absence of financial relief provided by public flood insurance schemes; and (iv) the objection of householders to increased insurance premiums based on updates of flood hazard maps. The findings from this case study are assessed based on a literature review before making policy recommendations. [ABSTRACT FROM AUTHOR]

Published
2023
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2. Legal controls of terms of insurance contracts in Nigeria: A comparative analysis.

Author

Anifalaje, Kehinde

Subjects
*INSURANCE, *INSURANCE policies, *COMMON law
Abstract

Conditions and warranties, which are generally referred to as policy terms in insurance contracts, are crucial in the determination of the rights and obligations of the contracting parties. The article examines the enforcement of policy terms in insurance contracts at common law and the legislative measures that have been deployed in some common law countries, including Nigeria, the United Kingdom and Australia, to ensure fairness as well as to balance the inequality in the bargaining power of the contracting parties. In as much as the principle of freedom of contract will generally be honoured by the court, the paper argues that through legislative intervention in policy terms in these countries, the principle is being discountenanced with, in appropriate cases, in order to effectuate the just and reasonable expectation of the insured. It concludes by proffering suggestions to identified lacunae in the Nigerian Insurance law. [ABSTRACT FROM AUTHOR]

Published
2022
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3. HEALTH INSURANCE SHAKE-UP.

Author

Mihm, Uta and Graham, Daniel

Subjects
*HEALTH insurance, *INSURANCE, *INSURANCE reform, *INSURANCE policies, *CASH discounts
Abstract

The article examines the changes in health insurance products in Australia with reference to the reforms to be introduced by April 2019. Topics discussed include the Gold, Silver, Bronze, and Basic product tiers; impacts of the reforms on insurance beneficiaries; overview of the insurance coverage according to each policy; and discount offerings for young people.

Published
2019

4. New Findings from University of Melbourne in Insurance Provides New Insights (Effects of Dependent Health Insurance Coverage Mandates On Fathers' Job Mobility and Compensation).

Subjects
HEALTH insurance, OCCUPATIONAL mobility, INSURANCE, INSURANCE policies, FATHERS
Abstract

Keywords for this news article include: Parkville, Australia, Australia and New Zealand, Health Insurance, Health and Medicine, Legal Issues, University of Melbourne. Keywords: Parkville; Australia; Australia and New Zealand; Health Insurance; Health and Medicine; Legal Issues EN Parkville Australia Australia and New Zealand Health Insurance Health and Medicine Legal Issues 2023 MAR 12 (NewsRx) -- By a News Reporter-Staff News Editor at Health Insurance Week -- Data detailed on Insurance have been presented. [Extracted from the article]

Published
2023

6. The 'first limb' of s 54(1) of the Insurance Contracts Act 1984 (Cth).

Author

Monteith, D. J.

Subjects
STATUTORY interpretation, INSURANCE policies, STATUTES, JURISPRUDENCE, NONCOMPLIANCE, INSURANCE
Abstract

The article discusses what the author refers to as the proper approach to the construction of the first limb of Section 54(1) of Australia's Insurance Contracts Act 1984 in the wake of the Australian High Court's ruling in the case Maxwell v. Highway Hauliers Pty. Ltd. which deals with issues such as statutory construction and interpretation. Australian jurisprudence and the scope of indemnity covered by an insurance policy are examined, along with non-compliance and omissions.

Published
2015

7. THE BLOCK: Built on great foundations.

Author

Muldowney, Susan

Subjects
INSURANCE, INSURANCE policies, INSURANCE law, CONTRACTS
Abstract

The article offers information about insurance in Australia, featuring the television reality show "The Block," which couples against each other to renovate a property to be sold at auction wherein the couple with the highest bid will receive $100,000 in prize money. Issues concerning an insurance policy for the filming as well as a contract works policy for the building activities and personal accident insurance are highlighted. INSET: HIGHLIGHTS AND CONTROVERSIES FROM THE BLOCK.

Published
2015

8. What is a professional? The nexus of PI cover with D&O and other policies.

Author

Griffiths, Tim and Frew, David

Subjects
PROFESSIONS, EXECUTIVES' liability insurance laws, INSURANCE, LIABILITY insurance -- Risks, INSURED losses, INSURANCE policies, COURTS, ACTIONS & defenses (Law)
Abstract

The article discusses the authors' contention that the phrase "professional services" is no longer a suitable descriptor for the risks that are intended to be covered by standard and commonly accepted professional indemnity (PI) insurance policies in Australia, including directors and officers (D&O) liability insurance policies. Several legal judgments by Australian courts are mentioned, along with the insurance-related losses that are associated with the rendering of professional services.

Published
2014

9. Mitigating your claim away: An unmitigated disaster.

Author

Hawke, Fred

Subjects
DAMAGE mitigation (Law), INSURANCE claims, OBLIGATIONS (Law), CAUSATION (Law), INSURANCE claims -- Law & legislation, LIABILITY insurance, INSURANCE policies, INSURANCE, COST control
Abstract

The article discusses the nature and extent of loss mitigation obligations and coverage for mitigation costs in Australia, focusing on issues related to Australian insurance claims, causation laws, and claims-made liability insurances such as professional indemnity. Insured and uninsured losses are mentioned, along with the legal aspects of insurance policies in Australia. The notion of contingency is addressed in relation to an insured's intervention to prevent further loss or damage.

Published
2014

11. Establishing privilege and protection from disclosure of non-privileged documents in insurance-related litigation.

Author

Rao, N. B.

Subjects
ACTIONS & defenses (Law), INSURANCE, COURT orders, INSURANCE policies, PRIVILEGES & immunities (Law), INSURANCE claims
Abstract

The article focuses on the establishment of privilege and protection from disclosure of non-privileged documents in insurance litigation in Australia. Topics include interlocutory applications for court orders, professional privilege, and the reasonable contemplation of litigation. Information is provided on anticipated litigation relating to insurance claims.

Published
2012

13. THE AUSTRALIAN PRIVATE HEALTH INSURANCE BOOM: WAS IT SUBSIDIES OR LIBERALISED REGULATION?

Author

Frech III, H. E., Hopkins, Sandra, and Macdonald, Garry

Subjects
INSURANCE policies, HEALTH insurance, INSURANCE, INSURANCE law
Abstract

Examines the relative impact of the different policy changes designed to promote private health insurance in Australia. Policy changes in private health insurance that were introduced over a three-year period; Estimate on the impact of the successive policy changes; Increase in insurance coverage.

Published
2003
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14. Heavy petting.

Author

Bird, Jodi

Subjects
*PET health insurance, *INSURANCE companies, *INSURANCE policies, *INSURANCE
Abstract

The article looks at pet health insurance policies in Australia. The Australian Securities and Investments Commission (ASIC) claims that many insurers are vague on details about product disclosure statements for pet insurance policies including exclusions of pre-existing and ongoing conditions, co-payments, and premium payments even after the death of the pet. It cites consumer advice from the Financial Ombudsman Office (FOS) and presents a comparative evaluation of insurance brands and plans.

Published
2014

15. Home sweet home?

Author

Kollmorgen, Andy

Subjects
*INSURANCE, *PROFIT margins, *INSURANCE policies
Abstract

The article focuses on the increase in premiums of home and contents insurance in Australia. According to the Insurance Council of Australia (ICA), the premium hikes are aimed at boosting profit margins and covering the inclusion of flood cover in policies. The government's insurance reform package includes a provision in which insurance policies that offer riverine flood cover must use the same definition by July 2014.

Published
2013

16. Creature comforts.

Author

Mays, Brendan

Subjects
*INSURANCE policies, *PET industry, *NONPROFIT organizations, *INSURANCE
Abstract

The article examines the various types of insurance policies that are being offered in the pet sector in Australia. It cites the report by the Australian Companion Animal Council, which showed that over six billion dollars were spent on pet maintenance in the country annually. Among the insurance coverage offers are the accident and illness cover, routine care and premiums.

Published
2011

17. Safety First.

Author

Bekiaris, Maria

Subjects
INSURANCE policies, LIFE insurance, INVESTMENT products, INSURANCE, INSURANCE premiums
Abstract

The article presents information on the best-value policies for personal insurance available in Australia. According to a research by AXA/DEXX&R, only 6% of Australians have income insurance. Types of personal insurance that are available in the country include life insurance, total and permanent, income protection and trauma insurance. Gender, age, health and family health history are among the factors that play a role in determining premiums. INSETS: Cut your payments;Insurance costs;Learning the hard way.

Published
2006

18. RATE CONTROL AND GOVERNMENT COMPETITION IN AUSTRALIAN NON-LIFE INSURANCE.

Author

Pursell, Garry

Subjects
INSURANCE rates, PERSONAL finance, INSURANCE companies, ESTATE planning, INSURANCE policies, MARKETING strategy, FINANCIAL institutions, INSURANCE
Abstract

The Australian market is greatly influenced by private bureaus, and is free from antitrust laws, solvency supervision, or state licensing of agents and brokers. Substantial areas are subject to government rate control, but on close examination the effectiveness of these controls is seen to depend largely on competition within the private sector of the market and from state funds. Political and other factors have inhibited the operation of the state funds and they have not achieved significant market shares in all lines, nor adopted particularly aggressive rate policies. Reforms are suggested which should improve their performance. [ABSTRACT FROM AUTHOR]

Published
1967
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19. Home and contents INSURANCE.

Subjects
*PROPERTY insurance, *INSURANCE policies, *INSURANCE, *HOUSE construction
Abstract

Provides information on the nature of home building and contents insurance in Australia. Significance of home building and contents insurance; Factors to consider when buying the insurance; Reasons for dissatisfaction with some insurance policies.

Published
2003

20. Saving your home from the big bad wolf.

Subjects
*HOMEOWNERS insurance, *INSURANCE, *INSURANCE policies, *PERSONAL finance
Abstract

Presents a guide for choosing a home and contents insurance policy in Australia. How much to insure for; Types of policies; What is covered; Policy features; How to buy insurance; Charts of the best buys in different regions of Australia; Details of individual companies. INSETS: Know Your Policy Document, and Be Persistent;Get Adequate Cover;No Worries;Bringing home the bacon--how to make a claim

Published
1998

22. The First Latent Defects Insurance in Australia.

Subjects
INSURANCE, FINANCIAL risk, BUILDING failures, INSURANCE policies, INSURANCE brokers
Abstract

The article offers information on the first time in Australia, that is now available a Latent Defects Insurance that transfers the cost of repairing building defects to the Insurer from the Builders balance sheet. Topics include the views of SHC's Managing Director, Stefan Hicks, on product; and the views of Brett Graves, SHC Director and Chief Executive Officer, on application.

Published
2019

23. The wages of fear.

Author

Kavanagh, John

Subjects
*INSURANCE, *CUSTOMER relations, *INSURANCE policies
Abstract

The article reports that the insurance industry in Australia has aimed to combat declining revenue by selling hybrid policies that encourage customers to insure against multiple risks. ING Australia has launched a life-insurance product which offered a package of different policies in a single contract. The National Australia Bank Ltd. has also launched a product called the Protected Loan.

Published
2006

24. Secret savings.

Author

Mihm, Uta

Subjects
*HEALTH insurance premiums, *INSURANCE, *INSURANCE policies, *PRICE increases, *PERSONAL finance
Abstract

The article examines several ways for Australians to avoid health insurance premium increase as of March 2016, highlighting the journal's study on the top insurance policies which outperform their competitors' cover and price. Health insurance premiums have reportedly been increasing, however the price for 2015 can be locked by renewing the policy for a year and paying an annual premium. Graphical representations of related key data are also presented.

Published
2016

25. THE TRUE COST OF affordability.

Author

Gumm, Danny

Subjects
INSURANCE, INSURANCE policies, INSURANCE companies, FLOODS
Abstract

The article presents the author's views on the insurance industry in Australia which is being criticised for its inability to pay for damages incurred following the floods. He states that not all insurers deserve criticism and that the cause of the companies' failure was that purchasers bought a stock-standard policy sans advice and expected it to cover their needs. He discusses the case of a client wherein he offered a comprehensive proposal form to ensure that their business is protected.

Published
2012

26. TRADING IN Mrs Jones.

Author

King, Rosie and Brown, Emma-Charlotte

Subjects
INSURANCE policies, INSURANCE
Abstract

Focuses on the decision of Nicole Jones, wife of Richard Jones, to take an insurance policy in Australia, to insure her face. Value of the insurance policy; Amount paid by Nicole per year for the policy; Criticism of the type of marriage that is based solely on how one partner looks.

Published
2003

27. TAKE COVER.

Author

BEKIARIS, MARIA

Subjects
WILDFIRES, FLOODS, FLOOD insurance, INSURANCE policies, INSURANCE
Abstract

The article presents guidelines on how to make claims related to the bushfires in Victoria and South Australia in early 2015. These guidelines include finding out if one is eligible for flood coverage, finding out whose belongings are actually insured, and how a long holiday could compromise one's insurance policy.

Published
2015

28. Tensions rise over Victoria fire levy.

Subjects
INSURANCE companies, INSURANCE, INSURANCE policies, POLICYHOLDERS
Abstract

The article discusses issues related to an allegation that insurers in Victoria have over-collected 12.7 million Australian dollars in fire services levies (FSL) in 2012-2013. Topics discussed include a guideline released by FSL Monitor Allan Fels stating that the money should be returned to policyholders, a background on the removal of the FSL from householders insurance policies and a statement by Fels on the amount of refunds that should be given to policyholders.

Published
2014

29. COMMUNICATION BREAKDOWN.

Author

Harris, Cecilia

Subjects
INSURANCE policies, PROPERTY damage, INSURANCE
Abstract

The article discusses lessons from a dispute between a body corporate that employed broker to assist with a strata insurance policy and a landlord over property damage claims that reached the Financial Ombudsman Service (FOS) of Australia.

Published
2015

30. Watching the insurance industry.

Author

Sylvan, Louise

Subjects
*HOMEOWNERS insurance, *INSURANCE, *INSURANCE rates, *INSURANCE policies
Abstract

Comments on home and contents insurance in Australia. View that there are big differences in terms of price and protection; Why it pays to be careful; Research which shows that premiums are on the rise; Inadequacy of some policies; Comparisons of tax rates worldwide.

Published
2001

31. Insuring an SMSF's success is good policy.

Author

Ashenden, Bryan

Subjects
PENSION trust management, INSURANCE, PORTFOLIO management (Investments), PERSONAL finance, INSURANCE policies
Abstract

The article emphasizes the importance of insuring self-managed superannuation funds (SMSF) in Australia. Topics discussed include the key factors to consider when choosing the right type and level of insurance for SMSFs, the total and permanent disability (TPD) insurance based on "own occupation" and the pros and cons of lowering the level of coverage in relation to the level of the insurance premium.

Published
2015

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