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I�m in WA, my question is in relation to loading. In a
What steps have you taken so far?Customer: I have spoken to the health provider and this is the reason they have given me, my next step after this will be to speak to the ombudsman.… read more
John Melis
John Melis
Lawyer
Bachelor's Degree
18,693 satisfied customers
I'm in WA, my question is in relation to loading. In a
I'm in WA, my question is in relation to loading. In a nutshell I'm being charged 12% for the following reason. I turned 31 in 2002 and at this time up to 2006 I was living in the UK, upon my return I took out health cover which didn't include hospital which I then changed the following year and added hospital cover. I've been told that because I didn't have hospital cover with 12 months of my return they have also included the 4 years I was away on to the loading which doesn't seem to be fair or lawful for that matter and I feel that I should only have a 4% loading. I look forward to your response. Regards. John … read more
Leon
Leon
Solicitor
Master's Degree
51,853 satisfied customers
Last October 7th we booked a 7 day holiday to Adelaide. On
Last October 7th we booked a 7 day holiday to Adelaide. On #26th October, the local Post Master suggested we take out travel insurance. … read more
John Melis
John Melis
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Bachelor's Degree
18,693 satisfied customers
My daughter's car has been written off by the insurer
My daughter's car has been written off by the insurer following an accident on Boxing day. Police were in attendance and have completely exonerated her from any liability. There is approximately 8 mon… read more
Daniel
Daniel
Solicitor
Bachelor's Degree / Graduate Diploma
7,501 satisfied customers
Lf I cancel a life insurance policy am I entitled to a
lf I cancel a life insurance policy am I entitled to a refund of premiums paid … read more
Leon
Leon
Solicitor
Master's Degree
51,853 satisfied customers
I have had a claim rejected by Cover More. Travel insurance
I have had a claim rejected by Cover More. Travel insurance was taken out in March 2015 to cover cancellation ($10 000). My husband had cancer and was being treated i.e. for the last 7+ years. Travel … read more
Leon
Leon
Solicitor
Master's Degree
51,853 satisfied customers
My wife and I took out full comprehensive travel insurance
My wife and I took out full comprehensive travel insurance with Insure/and/Go prior travelling to India. While we were away our daughter also travelled to Bali for a holiday. On her second day in Bali… read more
Patrick H.
Patrick H.
Lawyer
5,422 satisfied customers
My husband and I are having trouble with our travel
My husband and I are having trouble with our travel insurance company ACE. We had a holiday booked to leave Newcastle on 5 June 2015. Everything has been refunded in fullnexcept our flights. Virgin ch… read more
Leon
Leon
Solicitor
Master's Degree
51,853 satisfied customers
Travel Insurance - I have bought policies from Allianz via
Travel Insurance - I have bought policies from Allianz via the internet for several years and have previously checked by phone that, as a temporary resident, I was eligible for their product and have … read more
Patrick H.
Patrick H.
Lawyer
5,422 satisfied customers
Husband fell ill with brain tumour whilst on holiday in Europe
Husband fell ill with brain tumour whilst on holiday in Europe at end of 2012 - after much messing around waiting for the insurance company to arrange repatriation I advised them I would go and get hi… read more
Leon
Leon
Solicitor
Master's Degree
51,853 satisfied customers
I had an AMP income protection insurance policy, paid through
I had an AMP income protection insurance policy, paid through direct debit each month. I cancelled the policy on 06/02/2014. The next direct debit date was 07/06 2014. AMP told me that it would take t… read more
Leon
Leon
Solicitor
Master's Degree
51,853 satisfied customers
Hi, My mother is coming to visit me in Australia from Bangkok
Hi, My mother is coming to visit me in Australia from Bangkok in a few days. I organised a travel insurance for her so she is covered if anything happens during her stay. I am reading the policy now a… read more
Patrick H.
Patrick H.
Lawyer
5,422 satisfied customers
Hi I have been unable to work since mid Dec 2011 due to illness.
Hi I have been unable to work since mid Dec 2011 due to illness. My super continued for 13 months from this date. I have been to many specialists and my GP since Dec 2011 and am currently on a disabil… read more
Leon
Leon
Solicitor
Master's Degree
51,853 satisfied customers
We will provide this cover if the cutting short of your trip
Hi, ‘'We will provide this cover if the cutting short of your trip is necessary and unavoidable as a result of the following: • The unexpected death of, or sudden serious injury or illness of, your, o… read more
Leon
Leon
Solicitor
Master's Degree
51,853 satisfied customers
I am asking for a friend. A lady friend from India married
I am asking for a friend. A lady friend from India married an Australian man in Australia-- hence a legal marriage. Some years later, the marriage struck trouble and the husband told his wife (6 weeks… read more
Deborah Awyzio
Deborah Awyzio
Solicitor
Bachelor's Degree
863 satisfied customers
My wife took out a life/trauma insurance policy in 2007, about
My wife took out a life/trauma insurance policy in 2007, about 2 years ago she began showing signs of illness. A few months ago I approached our insurance broker regarding our chances of putting all o… read more
Brisbane-Lawyer
Brisbane-Lawyer
Lawyer & Solicitor
Master
14,357 satisfied customers
Hallo, my mother frucktured her back when she fell on the deck
Hallo, my mother frucktured her back when she fell on the deck at my friends holliday house. It was on this fatal weekend when we had storms (6 March). She is Australian Resident so she was covered by… read more
Leon
Leon
Solicitor
Master's Degree
51,853 satisfied customers
Malcolm recently purchased a 1930s style home in the St. Kilda
Malcolm recently purchased a 1930s style home in the St. Kilda area in Victoria, Australia. He immediately insured the house with XYZ Insurance Co Ltd. Whilst the market value of the home is $840,000,… read more
Brisbane-Lawyer
Brisbane-Lawyer
Lawyer & Solicitor
Master
14,357 satisfied customers

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Deborah Awyzio

Deborah Awyzio

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Bachelor of Laws (QUT), BIT (QUT), Family Law Accredited Specialist, over 12 years experience

Sean

Sean

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Darren Kruse

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Leon

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BEc Dip Ed, Dip Law (SAB) MTax (UNSW)

John Melis

John Melis

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Family Law, Commercial Law, Property law, Probate & Wills, Employment Law, International Law, Criminal and Traffic Law, Litigation Tribunal & Courts

Daniel

Daniel

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Bachelor of Laws (dist) Graduate Diploma in Legal Practise. Admitted NSW Supreme Court / High Court

Patrick H.

Patrick H.

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Dip Law LPAB - Sydney based lawyer

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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