Keeping policy holders in the dark with provisional cover notes

Thursday, March 5, 2015 Veröffentlichungen

Column by Lars Winkler for 

When a policy holder gives notice of a claim, the insurer should – as soon as all relevant information is available - provide or deny cover. Lately, insurers often issue only provisional cover notes.

The provision’s legal consequence is that the insurer might reclaim any payments afterwards e.g. by arguing in retrospect that the loss concerned was not insured.

Thus, provisional cover notes do not definitely clarify whether the insurer will eventually pay or not. Policy holders are left in the dark about their insurance cover. 


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