Fake photo, fake jewellery, no cover

Tell the truth. Your claim, and your evidence, will be checked.

Fake photo, fake jewellery, no cover

When Maria* provided photos to support her stolen jewellery claim, they were found to be from a commercial website of costume jewellery (valued at 30 euro). It didn’t meet her description of a genuine ruby pendant on a gold chain with diamonds. Her claim was declined. Maria said she’d been harassed and bullied by the insurer’s investigator, but the IFSO Scheme found the investigator behaved appropriately. Maria had breached the condition of honesty and the duty of utmost good faith. In this case, the insurer was entitled to decline the claim and avoid the policy from the date of the dishonesty.

Complaint not upheld.

*Names have been changed.

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