Case Application for General Insurance Products and Functions An Introduction
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1 Case Application for General Insurance Products and Functions An Introduction GEN1B This case application can be used as a further learning support in your studies. Copyright Insurance Institute of Ireland 2011 This Case Application is issued by Insurance Institute of Ireland (III) to members taking courses and/or examinations of the III. It may not be used in whole or in part for any course of study/examination of any other body whatsoever without prior permission in writing of the III. This Case Application, or any part there of, may not be made available in any library and it may not be reproduced, in whole or in part, stored in a retrieval system or transmitted in any form or by any means electronic, electrostatic, magnetic, mechanical, photocopying, recording or otherwise, without prior permission in writing of the III.
2 INTRODUCTION GEN1B CASE APPLICATION Case applications have been developed to allow an active learning environment that can be described as student centred activity based. The case studies have an element of both a projectbased and problem-based learning approach. The following is a summary of the course content for the GEN1B module that will be explored upon in the case application: GEN 1B Motor Insurance Insurances of the Person Health Insurance Products Property Insurance Pecuniary Insurance Liability Insurance Non-Insurance Services Material Facts, Underwriting Procedures, Premiums & Renewals Policy Wordings Valid Claims & Claims Settlements Information Technology Should you have any queries during your studies, please contact the Student Services Department of the III at (01) or studentservices@iii.ie. In addition, we have a Module Feedback Questionnaire. This questionnaire is designed to give students the opportunity to provide comments and feedback on this module and is available on GEN1B Student Services
3 CASE APPLICATION GEN1B Dominic and Daisy live in Tallaght. They have a Subway franchise in a small shopping centre. The franchise offers a delivery service for large orders. The couple have a van for this purpose and also a family car. Their children are named Rosie (17) and Liza (11). TUTORIAL 1 Case application questions in relation to each GEN1B chapter: 1 MOTOR INSURANCE Daisy contacts BeSure Insurance Company to discuss their motor insurance coverage for both the van and the family car. Outline the scope of the coverage that you think that Daisy would need for the two vehicles and differentiate between the cover available for the van and the car. 2 INSURANCES OF THE PERSON; COMBINED AND PACKAGE POLICIES Dominic is confused. In trying to purchase insurance cover for their Subway franchise, he keeps seeing the terms Combined and Package policies and does not know if one, both or either of these terms are applicable to his situation. Explain to Dominic the difference between these two insurance arrangements, recommend the most appropriate one for his Subway franchise and outline the coverage that this would provide his business with. Daisy, meanwhile, has a fear of lightning and bicycles. Explain to Daisy the insurance coverage provided in relation to both of these by her household insurance policy. Rosie hopes to go backpacking around Europe this summer. Indicate to her the specific sections of her travel insurance policy that will be of most use to her during her 3 month trip. 3 HEALTH INSURANCE PRODUCTS Yet again Dominic is overwhelmed by the variety of health insurance policy types and their coverage. He asks Is Private Medical Insurance just all the other policy types under one policy?. Explain to Dominic why this is not so.
4 4 PROPERTY INSURANCE For her college assignment in business, Rosie must conduct a case study applying one of the following classes of insurance: Fire and special perils insurance, All Risks insurance, Theft insurance, Glass insurance, Money insurance to her parents Subway franchise. In the case of one of these classes of insurance, she must answer the questions From what perils does the insurance protect the business and to what extent? Outline the issues that Rosie will address. 5 PECUNIARY INSURANCE Dominic and Daisy realise that the franchise is their sole source of income for the family. They worry that if there was an incident, such as a fire or flood, it could put them out of business for any length of time and would have an enormous effect on their business and income. Explain how business interruption would address this concern. 6 LIABILITY INSURANCE Due to the presence of third parties, ambulance chasing lawyers and the prevalent and costly claims culture, liability claims are the greatest financial threat facing businesses today. Discuss the issue of liability facing businesses and the specific coverage provided by the variety of liability insurance policies in the Irish insurance market. TUTORIAL 2 7 NON-INSURANCE SERVICES Liza is doing a presentation on Risk Managers for careers day in her school. The topic of her presentation is Risk Managers where would business be without us. Describe the topics Liza might address in her presentation? 8 MATERIAL FACTS As Daisy compares quotes from the various household insurers, she notices the impact that certain material facts have on the quotation (e.g. the lack / presence of smoke and burglar alarms, the valuation of the property, the history of subsidence etc.) and ponders to herself if honesty really is the best policy when it comes to insurance. Explain to Daisy the importance of utmost good faith in risk assessment and insurance. 9 UNDERWRITING PROCEDURES, PREMIUMS AND RENEWALS Quotations, proposal forms, policies, cover notes and certificates of insurance what a waste of time says Rosie when looking at all of the insurance paperwork on her Mum s desk. As her Mum outline to her what each of these pieces of documentation does in the insurance process.
5 10 POLICY WORDINGS Liza knows that her parents have a Subway franchise but she does not understand why there is a franchise on their insurance policy. Differentiate between an excess, deductible and franchise for Liza. There are more exceptions / exclusions on this policy than there are perils covered says Dominic after a long day at work. Review the general exceptions that appear on an insurance policy and explain to Dominic why they are excluded. Review the general insurance policy conditions, explain the requirements imposed by each one and categorise each condition as express or implied. 11 VALID CLAIMS AND CLAIMS SETTLEMENT Alphabet soup, that s what it is says Granddad as he reads the business supplement in the Sunday newspaper on the role of the MIBI and the InjuriesBoard.ie (previously PIAB). Rosie, fully informed by her college business course, explains to Granddad the different but key roles that these two bodies play in the field of claims within the insurance industry. 12 INFORMATION TECHNOLOGY On August 20, 2008, the Data Protection Commissioner released a code which had been specifically modified for the Insurance industry. The Code was prepared against a backdrop of significant public concern, arising from media reports that personal information held by the Gardaí and by the Department of Social & Family Affairs was being routinely accessed by private investigators, acting on behalf of insurance companies. Dominic realises that a lot of the information that he gives to his insurance broker and insurance company could damage his business or interfere with his family s privacy if it was to be leaked. He contacts his insurer and explains his concerns. His insurer outlines the legislation and procedures which are in place to avoid this situation occurring. Outline the issues Lorcan s broker will address. DISCUSSION QUESTION Insurance companies can provide various products that can be purchased to meet specific perils. Jack, age 28, is married with two children (aged 1 and 10). He runs his own catering company and has 5 employees including a full time delivery driver. Jack is concerned about his lack of family and business insurance coverage and is looking for protection against the financial effects of untoward events. You have been appointed as Jack s broker and are required to provide advice to Jack regarding his portfolio of risks. Identify and discuss insurance coverages that would provide Jack with the appropriate and desired protections should a loss occur.
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