Case Studies

The following case summaries highlight common issues and consumer tips. Cases can be filtered by subject below and names have been changed to protect confidentiality. Access to the full case study database is available for IFSO Scheme Participants in the Participant Area.

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Steak cooked in a toaster sparks disaster

The unusual preparation of a meal caused a catastrophe in which a couple lost their home.

Mr H* had a craving for steak and chips. For reasons unknown, he decided to cook his steak in a toaster.
House and Contents Insurance House Fire Sum Insured

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Previous declined claim, no cover for fire

Disclose your claims history when you first apply for insurance.

Barbara's claim for fire damage was declined. She hadn't disclosed a previous declined claim on her application.
House and Contents Insurance Fire False Statements

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House in disrepair, no fire cover

Disclose all information likely to affect the terms of insurance. If in doubt, ask

Chris’ claim for fire damage was declined, and his policy avoided. He hadn’t disclosed that his house was in disrepair.
House and Contents Insurance Fire

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No cover for derelict house after fire

Your insurer can decline your claim if it can prove you didn’t take “reasonable care”.

Before Liam’s house was set on fire, it wasn’t in good shape due to vandalism and neglect.
House and Contents Insurance Fire

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