OFS Resources

Motor

1. Delay in notifying the Insurer: Stolen Vehicle reported after 4 weeks
2. Delay in Lodging Police Report: Stolen Vehicle notified after 9 days
3. Exclusion Clause: Criminal Activity
4. Exclusion Clause : Criminal Breach of Trust (CBT)
   Case 1 | Case 2
5. Application of Average Clause
6. Failure to take reasonable precaution:
   Case 1 | Case 2 | Case 3   | Case 4
7. Total Loss vs Insurer Cost of Repair
8. Tampered Chassis Number
9. Non –disclosure: Absence of specific questions in the Proposal Form
10. Compensation for Assessed Repair Time (CART): Case 1
11. Market Value: Registration Mistake of the Vehicle’s Make and Model. 

Life, Family and General Medical

1. Non-Disclosure: Medical history not disclosed in Proposal Form
   Case 1 | Case 2 | Case 3
2. Deductible: Case 1
3. Total and Permanent Disability Claim: Definition of TPD not fulfilled
   Case 1 | Case 2 | Case 3
4. Delay in Notifying the Insurer: Submission outside timeframe
5. Exclusion Clause Accidental vs Illness: Case 1 | Case 2| Case 3
6. Exclusion Clause : Illegal Activities
   Case 1 | Case 2 | Case 3
7. Exclusion Clause: Preventive Medication
8. Exclusion Clause: Pre-Existing illness
9. Exclusion Clause: Congenital  
10. Investigatory Purposes: Investigatory Purposes
11. Terms and Conditions: Case 1 | Case 2
12. Temporary Total Disability: Case 1 | Case 2
13. Personal Accident: No Valid Driving Licence: Case 1 | Case 2
14. Exclusion Clause: Violation of law

General Non-Motor

1. Marine Cargo: Inland Transit Claim
2. Travel Insurance: Case 1 | Case 2 | Case 3 | Case 4
3. Policy Definition: Case 1 | Case 2 
4. Burglary: Outlet Robbery
5. Public Liability