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International Travel & Health Insurance Journal Voyageur Publishing, Voyageur Buildings, 19 Lower Park Row, Bristol, BS1 5BN, UK Telephone: +44 (0)117 9226600 Fax: +44 (0)117 9252023 Email: [email protected] Website: www.itij.com

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“Advertise worldwide to an established audience of travel and medical insurers”

ITIJ Media Pack – Additional Advertising Formats

ESSEN

TIAL R EADI

NG FO R TRA VE

Page 26

Page 30

L INSU R

ANCE

INDUS

T RY P R OFE

SSION

Page 24

ALS

Page 36

OCTOBER

2009

ISSUE

105

Australia focuses on unfair insurance

To lie or More research organisations

not to lie

from insurers has revealed and other plague the insurance that fraud continues looks at the latest industry. Mandy to studies Aitchison where that offer fraud insights the industry occurs and how into much it really costs It has been revealed to India and Spain that travellers who ventured during this year have topped the fi rst six months insurance the ranks claims, in fraudulent of according carried out by to an investigationtravel independent CEGA Group Services. The assistance claims management company and medical fraudulent found travel claims that 40 per cent and July were submittedunearthed betweenof to India January by individuals and manager Spain. CEGA’s travelling special investigations Simon Cook cash were said that top lost baggage destinations, of the list of and scam claims travel spots but reassured from these visitors that they to these treated popular as a criminal should not be afraid of He explained: if they being “The vast needed to make a claim. majority of travel

insurance claims are ensure genuine that and we [CEGA] If, however, all genuine claims are paid investigation,the claim requires promptly. any degree throughout all customers are of treated the process.” fairly Despite the fact that travellers ranked top in to India and Spain CEGA confi the league of fraudulent rmed that travel claims, sham travel the highest claim – level of – actually worth in the region a single came to Association from the US. of £143,000 Such the general of British Insurers, claims, according 24-per-cent have the insurance rise in fraud attributed to cases across approximatelyindustry over the last two years, worth around 80 dishonest with claims per Meanwhile, £5 million – week – detected in 2008 insurance new research alone. from the fraud investigators UK’s insurance has revealedleading fraud is continuing soaring that to record to rise, despite levels in Ordnance 2008. Survey, which carried According to 74 per cent of out the those increase in fraudulentinterviewed have survey, of 2009 seen an claims and the problem since the beginning is showing no signs of

levelling out or improving. Four out of fi will continue ve investigators believe to worsen, the situation they will as they face crisis further in the next year said the top issue will be the expected fuelling dubious economic claims. that It is also where they people will lie more at the point keep the fi rst take out their price low. policies 44 per Of the investigatorsin order cent to of fraudulenthave seen an increase interviewed, claims made, in the volume seen an while 46 increase per cent in both value of have claims made. the volume and monetary is driving It seems more members that the measures, of the public credit crunch as over half number to of completely of the investigatorsdesperate scams employed bogus claims think the has risen. by gaining in popularity the public that Other seem to gangs actively include be serial application targeting insurers, claiming, criminal forms. and people Sarah Adams, lying on at Ordnance insurance and banking Survey, sector manager are not tolerating noted: “Insurance fraudulent companies it a priority activities to crack and are down on making insurance cheats. continued One on page 4

Special Positions

Consumer groups in Australia about what are outraged contained they call ‘unfair’ terms and in insurance insurance policies, conditions coming with travel under fi reports re. on the latest news Charlotte Hodgman The Australian amendments Senate is proposing to the Trade a series designed of Practices to Act that regulator increase the power are in the country, of the fi territory nancial as well and However, federal laws into as bringing state, consumer line with Action Law each other. groups such Centre have criticised as the Consumer changes, saying that the proposed taken out they with insurance will not cover Nicole companies. contracts Rich of the Consumer said: “There’s Action Law no reason should Centre, why insurance be treated any contracts. contracts There are differently to any terms in other insurance lots of examples of unfair contracts consumer group, National in Australia.” its submission Another Legal Aid, to the Senate: said in standard form consumer “Unfair terms in contract have been rife continued on page 9

2 ORS ITIJ CONTRIBUT writer is a freelance travel Roger Allnutt Australia, and a member of based in Canberra, Writers. He Society of Travel the Australian his material is each year and US and travels widely New Zealand, music, published in Australia, include classical UK. Other interests tennis. and food and wine, with is a freelance journalist Stewart Farr writing on insurance 30 years’ experience the areas of life, travel in matters, especially investment and provision. and business insurance, and in healthcare journal for pension planning edited a monthly For 25 years, he and pension practitioners. life insurance

IN THIS ISSUE REGULARS News continued Company brief Insurance matters Editorial comment Travel matters Health matters news Air ambulance IPMI News care Cross-border

4 10 12 15 16 18 20 22 42 43 50 50 51

www.itij.co

.uk

Service directory Grapevine Diary dates On the move

FEATURES 24

Dodgy dealings

News analysis:

Guichoux co-founded Dr Bertrand a group of three companies Assistance Online, Hong Kong and China, in based in Singapore, the University of Caen, of 2004. A graduate emergency developed his France, Bertrand with SOS, AEA (ISOS) along experience working Healthcare Assistance, Medicale and Global & the Service d’Aide has with training at France. Bertrand d’Urgence in Paris, and Indonesia in Kong worked in Hong escort and – from medical various positions to medical director. medical co-ordinator expert in operations He is an acknowledged fields in Asia. medical management and

up, and ITIJ asks Fraud figures are combat the trend

Feature: Technology

what the industry

has over ten industry Sabine Vanderlinden in the insurance years’ experience the Lloyd’s knowledge in strategist having acquired and as a business insurance market to delivering operational at IBM. In addition claims and the underwriting, efficiencies in makes use arenas, Sabine risk management expertise to identify insurers. of her value management opportunities for tangible growth

can do to

30

trials

challenges of today’s

the can overcome How travel insurers technology with the help of

industry

32

Regulatory challenges

experts Feature: the world; three changing around Regulations are how to cope with the differences their views on

give

in has a background Pauline Ransfordand is also a midwife. She Service for emergency nursing UK National Health worked in the taking early retirement of Nursing over 30 years before the Royal College and completing In-Flight course.

36

China World Markets: Assistance and Healthcarehas plenty of anomalies and

system knowledge it with the right The Chinese health be difficult, but navigating it can be done successfully

can

Publishing & Events

ITIJ TEAM

ITIJ

Ian Cameron Sarah Watson Mandy Aitchison Charlotte Hodgman James Paul Wallis Vicky McPhie Eli Butler Steve Annette James Elliott Milan Korcok Denise Clements Helen Watts Kirsty Diclaudio David Fitzpatrick James Miller Elspeth Reid Louise Goddard Chris Duggan

Editor-in-chief: Editor: Assistant editor: Sub-editor: Copy editor: Staff writer: Designers:

US correspondent: Conference manager: Production: Advertising sales: Finance:

Voyageur Buildings,

43 Colston St, Bristol

Telephone: editorial dept:

advertising dept: fax: email: web: design:

6600

Printed by Pensord

Press, South Wales,

United Kingdom

in this 2009. Materials Voyageur Publishing permission Copyright © in any form without not be reproduced 1743-1522 publication may JOURNAL ISSN TRAVEL INSURANCE INTERNATIONAL

SUBSCRIBE? YOU LIKE TO

WOULD VISIT www.itij.co.uk

Illustrations:

International Travel

Insurance Journal

Price

Dimensions mm

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Ltd,

of Voyageur UK Published on behalf Colston Street, Bristol BS1 5AX, 43 Voyageur Buildings, published publication has been contained in this to ensure its The information has been made and every effort accept in good faith Voyageur Ltd can the publisher nor All liability accuracy. Neither misinterpretation. by for any error or damage caused any responsibility negligence or other or in for loss, disappointment, contained in this publication, of information reliance on the cessation of the trade or liquidation or excluded. the event of bankruptcy or firm mentioned is hereby individual any company,

BS1 5AX, UK

+44 (0)117 922 Ext. 3 Ext. 1

2023 +44 (0)117 929 [email protected] www.itij.co.uk V Creative Design

Orientation

■ www.itij.co.uk

Inside-Front Cover - full bleed [incl. 3mm overlap] - text [box out]

(portrait)

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w: 303 x h: 404 w: 273 x h: 363

Inside-Back Cover

(portrait)

£2,800

w: 303 x h: 404 w: 273 x h: 363

Outside-Back Cover

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w: 303 x h: 404 w: 273 x h: 363

(landscape)

£3,200

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Front Cover Strip

International Travel & Health Insurance Journal Voyageur Publishing, Voyageur Buildings, 19 Lower Park Row, Bristol, BS1 5BN, UK

ESSEN

ESSEN

TIAL R EADI

NG FO R TRA VE

ANCE

INDUS

T RY P R OFE

SSION

To lie or

ANCE

INDUS

T RY P R OFE

SSION

Page 24

ALS

Page 36

OCTOBER

not to lie

insurance claims are ensure genuine that and we [CEGA] If, however, all genuine claims are paid investigation,the claim requires promptly. any degree throughout all customers are of treated the process.” fairly Despite the fact that travellers ranked top in to India and Spain CEGA confi the league of fraudulent rmed that travel claims, sham travel the highest level of – actually claim – worth in the region a single came to Association from the US. of £143,000 Such the general of British Insurers, claims, according 24-per-cent have the insurance rise in fraud attributed to cases across approximatelyindustry over the last two years, worth around 80 dishonest with claims per Meanwhile, £5 million – week – detected in 2008 insurance new research alone. from the fraud investigators UK’s insurance has revealedleading fraud is continuing soaring that to record to rise, despite levels in Ordnance 2008. Survey, which carried According to 74 per cent of out the those increase in fraudulentinterviewed have survey, of 2009 seen an claims and the problem since the beginning is showing no signs of

Page 26

Page 30

L INSU R

levelling out or improving. Four out of fi will continue ve investigators believe to worsen, the situation they will as they face crisis further in the next year said the top issue will be the expected fuelling dubious economic claims. that It is also where they people will lie more at the point keep the first take out their price low. policies 44 per Of the investigatorsin order cent to of fraudulenthave seen an increase interviewed, claims made, in the volume seen an while 46 increase per cent in both value of have claims made. the volume and monetary is driving It seems more members that the measures, of the public credit crunch as over half number to of completely of the investigatorsdesperate scams employed think the bogus claims has risen. by gaining Other in popularity the public that seem to gangs actively include be serial application targeting insurers, claiming, criminal forms. and people Sarah Adams, lying on at Ordnance insurance and banking Survey, sector manager are not noted: “Insurance tolerating fraudulent companies it a priority activities to crack and are down on making insurance cheats. continued One on page 4

2009

ISSUE

105

Australia on unfair focuses insurance

Page 36

OCTOBER

More research organisations from insurers has revealed and other plague the insurance that fraud continues looks at the latest industry. Mandy to studies Aitchison where fraud that offer insights the industry occurs and how into much it really costs

NG FO R TRA VE

Page 24

ALS 2009

ISSUE

105

Australia focuses on unfair insurance

It has been revealed to India and Spain that travellers who ventured during this year have topped the first six months insurance the ranks claims, in fraudulent of according carried out by to an investigationtravel independent CEGA Group Services. The assistance claims management company and medical fraudulent found travel claims that 40 per cent and July were submittedunearthed betweenof to India January by individuals and manager Spain. CEGA’s travelling special investigations Simon Cook cash were said that top lost baggage destinations, of the list of and scam claims travel spots but reassured from these visitors that they to these treated popular as a criminal should not be afraid of He explained: if they being “The vast needed to make a claim. majority of travel

TIAL R EADI

Page 26

Page 30

L INSU R

To lie or More research organisations

not to lie

from insurers has revealed and other plague the insurance that fraud continues looks at the latest industry. Mandy to studies Aitchison where that offer fraud insights the industry occurs and how into much it really costs It has been revealed to India and Spain that travellers who ventured during this year have topped the fi rst six months insurance the ranks claims, in fraudulent of according carried out by to an investigationtravel independent CEGA Group Services. The assistance claims management company and medical fraudulent found travel claims that 40 per cent and July were submittedunearthed betweenof to India January by individuals and manager Spain. CEGA’s travelling special investigations Simon Cook cash were said that top lost baggage destinations, of the list of and scam claims travel spots but reassured from these visitors that they to these treated popular as a criminal should not be afraid of He explained: if they being “The vast needed to make a claim. majority of travel

Consumer groups in Australia about what are outraged contained they call ‘unfair’ terms and in insurance insurance policies, conditions coming with travel under fi reports re. on the latest news Charlotte Hodgman The Australian amendments Senate is proposing to the Trade a series designed of Practices to Act that regulator increase the power are in the country, of the fi territory nancial as well and However, federal laws into as bringing state, consumer line with Action Law each other. groups such Centre changes, have criticised as the Consumer saying that the proposed taken out they with insurance will not cover Nicole companies. contracts Rich of the Consumer said: “There’s Action Law no reason should be why insurance Centre, treated any differently contracts. contracts There are to any other terms in insurance lots of examples of unfair contracts consumer group, National in Australia.” its submission Another Legal Aid, to the Senate: said in standard form consumer “Unfair terms in contract have been rife continued on page 9

insurance claims are ensure genuine that and we [CEGA] If, however, all genuine claims are paid investigation,the claim requires promptly. any degree throughout all customers are of treated the process.” fairly Despite the fact that travellers ranked top in to India and Spain CEGA confi the league of fraudulent rmed that travel claims, sham travel the highest level – actually claim – worth in the region of a single came to Association from the US. of £143,000 Such the general of British Insurers, claims, according 24-per-cent have the insurance rise in fraud attributed to cases across approximatelyindustry over the last two years, worth around 80 dishonest with claims per Meanwhile, £5 million – week – detected in 2008 insurance new research alone. from the fraud investigators UK’s insurance has revealedleading fraud is continuing soaring that to record to rise, despite levels in Ordnance 2008. Survey, which carried According to 74 per cent of out the those increase in fraudulentinterviewed have survey, of 2009 seen an claims and the problem since the beginning is showing no signs of

levelling out or improving. Four out of fi will continue ve investigators believe to worsen, the situation they will as they face crisis further in the next year said the top issue will be the expected fuelling dubious economic claims. that It is also where they people will lie more at the point keep the first take out their price low. policies 44 per Of the investigatorsin order cent to of fraudulenthave seen an increase interviewed, claims made, in the volume seen an while 46 increase per cent in both value of have claims made. the volume and monetary is driving It seems more members that the measures, of the public credit crunch as over half number to of completely of the investigatorsdesperate scams employed bogus claims think the has risen. by gaining in popularity the public that Other seem to gangs actively include be serial application targeting insurers, claiming, criminal forms. and people Sarah Adams, lying on at Ordnance insurance and banking Survey, sector manager are not tolerating noted: “Insurance fraudulent companies it a priority activities to crack and are down on making insurance cheats. continued One on page 4

Consumer groups in Australia about what are outraged contained they call ‘unfair’ terms and in insurance insurance policies, conditions coming with travel under fi reports re. on the latest news Charlotte Hodgman The Australian amendments Senate is proposing to the Trade a series designed of Practices to Act that regulator increase the power are in the country, of the fi territory nancial as well and However, federal laws into as bringing state, consumer line with Action Law each other. groups such Centre changes, have criticised as the Consumer saying that the proposed taken out they with insurance will not cover Nicole companies. contracts Rich of the Consumer said: “There’s Action Law no reason should Centre, why insurance be treated any contracts. contracts There are differently to any terms in other insurance lots of examples of unfair contracts consumer group, National in Australia.” its submission Another Legal Aid, to the Senate: said in standard form consumer “Unfair terms in contract have been rife continued on page 9

ITIJ CONTRIBUTORS

REGULARS News continued Company brief Insurance matters Editorial comment Travel matters Health matters news

Air ambulance IPMI News care

News analysis:

www.itij.co .uk

Service directory Grapevine Diary dates On the move

News analysis:

4 10 12 15 16 18 20 22 42 43 50 50 51

Feature: Technology

24

what the industry

trials

Regulations how their views on

30 industry

32

to cope with the

World Markets:

China

Publishing & Events

ITIJ TEAM Editor-in-chief: Editor: Assistant editor: Sub-editor: Copy editor: Staff writer: Designers:

Advertising sales: Finance:

Ian Cameron Sarah Watson Mandy Aitchison Charlotte Hodgman James Paul Wallis Vicky McPhie Eli Butler Steve Annette James Elliott Milan Korcok Denise Clements Helen Watts Kirsty Diclaudio David Fitzpatrick James Miller Elspeth Reid Louise Goddard Chris Duggan

30

the Regulations how to cope with their views on

China

industry

32

36

In-Flight course.

Publishing & Events

ITIJ TEAM Editor-in-chief: Editor: Assistant editor: Sub-editor: Copy editor: Staff writer: Designers:

US correspondent: Conference manager: Production: Advertising sales: Finance:

Ian Cameron Sarah Watson Mandy Aitchison Charlotte Hodgman James Paul Wallis Vicky McPhie Eli Butler Steve Annette James Elliott Milan Korcok Denise Clements Helen Watts Kirsty Diclaudio David Fitzpatrick James Miller Elspeth Reid Louise Goddard Chris Duggan

ITIJ

Voyageur Buildings,

43 Colston St, Bristol

Telephone: editorial dept:

advertising dept: fax: email: web: design:

BS1 5AX, UK

+44 (0)117 922 Ext. 3 Ext. 1

6600

2023 +44 (0)117 929 [email protected] www.itij.co.uk V Creative Design

LIKE TO SUBSCRIBE? WOULD YOU VISIT www.itij.co.uk

Ltd,

of Voyageur UK Published on behalf Colston Street, Bristol BS1 5AX, 43 Voyageur Buildings, published publication has been contained in this to ensure its The information has been made and every effort accept in good faith Voyageur Ltd can the publisher nor All liability accuracy. Neither misinterpretation. by for any error or damage caused any responsibility negligence or other or in for loss, disappointment, contained in this publication, of information reliance on the cessation of the trade or liquidation or excluded. the event of bankruptcy or firm mentioned is hereby individual any company, Printed by Pensord

Press, South Wales,

United Kingdom

in this 2009. Materials Voyageur Publishing permission Copyright © in any form without not be reproduced 1743-1522 publication may JOURNAL ISSN TRAVEL INSURANCE INTERNATIONAL

Illustrations:

International Travel

Insurance Journal

■ www.itij.co.uk

in has a background Pauline Ransfordand is also a midwife. She Service for emergency nursing UK National Health worked in the taking early retirement over 30 years beforeRoyal College of Nursing the and completing In-Flight course.

36

Assistance and Healthcarehas plenty of anomalies and it can system knowledge with the right The Chinese health be difficult, but navigating it can be done successfully

US correspondent: Conference manager: Production:

has over ten industry Sabine Vanderlinden in the insurance years’ experience the Lloyd’s knowledge in strategist having acquired and as a business insurance market to delivering operational at IBM. In addition claims and the underwriting, efficiencies in makes use arenas, Sabine risk management expertise to identify insurers. of her value management opportunities for tangible growth in has a background Pauline Ransfordand is also a midwife. She Service for emergency nursing UK National Health worked in the taking early retirement of Nursing over 30 years before the Royal College and completing

can do to

challenges of today’s

challenges Feature: Regulatory around the world; three experts give are changing differences

Assistance and Healthcarehas plenty of anomalies and it can system knowledge with the right The Chinese health be difficult, but navigating it can be done successfully

has over ten industry Sabine Vanderlinden in the insurance years’ experience the Lloyd’s knowledge in strategist having acquired and as a business insurance market to delivering operational at IBM. In addition claims and the underwriting, efficiencies in makes use arenas, Sabine risk management expertise to identify of her value management insurers. opportunities for tangible growth

can do to

challenges of today’s

challenges give Feature: Regulatory around the world; three experts are changing differences

what the industry

trials

the can overcome How travel insurers technology with the help of

World Markets:

Guichoux co-founded Dr Bertrand a group of three companies Assistance Online, Hong Kong and China, in based in Singapore, the University of Caen, of 2004. A graduate emergency developed his France, Bertrand with SOS, AEA (ISOS) along experience working Healthcare Assistance, Medicale and Global & the Service d’Aide has with training at France. Bertrand d’Urgence in Paris, and Indonesia in Kong worked in Hong escort and – from medical various positions to medical director. medical co-ordinator expert in operations He is an acknowledged fields in Asia. medical management and

FEATURES

Dodgy dealings

up, and ITIJ asks Fraud figures are combat the trend

the can overcome How travel insurers technology with the help of

24

Dodgy dealings

up, and ITIJ asks Fraud figures are combat the trend

RS

writer is a freelance travel Roger Allnutt Australia, and a member of based in Canberra, Writers. He Society of Travel the Australian his material is each year and US and travels widely New Zealand, music, published in Australia, include classical UK. Other interests tennis. and food and wine, with is a freelance journalist Stewart Farr writing on insurance 30 years’ experience the areas of life, travel in matters, especially investment and provision. and business insurance, and in healthcare journal for pension planning edited a monthly For 25 years, he and pension practitioners. life insurance

REGULARS

Guichoux co-founded Dr Bertrand a group of three companies Assistance Online, Hong Kong and China, in based in Singapore, the University of Caen, of 2004. A graduate emergency developed his France, Bertrand with SOS, AEA (ISOS) along experience working Healthcare Assistance, Medicale and Global & the Service d’Aide has with training at France. Bertrand d’Urgence in Paris, and Indonesia in Kong worked in Hong escort and – from medical various positions to medical director. medical co-ordinator expert in operations He is an acknowledged fields in Asia. medical management and

FEATURES

Feature: Technology

ITIJ CONTRIBUTO

IN THIS ISSUE

4 10 12 15 16 18 20 22 42 43 50 50 51

www.itij.co.uk

Cross-border Service directory Grapevine Diary dates On the move

News continued Company brief Insurance matters Editorial comment Travel matters Health matters news Air ambulance IPMI News care Cross-border

writer is a freelance travel Roger Allnutt Australia, and a member of based in Canberra, Writers. He Society of Travel the Australian his material is each year and US and travels widely New Zealand, music, published in Australia, include classical UK. Other interests tennis. and food and wine, with is a freelance journalist Stewart Farr writing on insurance 30 years’ experience the areas of life, travel in matters, especially investment and provision. and business insurance, and in healthcare journal for pension planning edited a monthly For 25 years, he and pension practitioners. life insurance

IN THIS ISSUE

2

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International Travel

Insurance Journal

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International Travel & Health Insurance Journal, 19 Lower Park Row, Bristol BS1 5BN | tel: +44 (0)117 9226600 | fax: +44 (0)117 925 2023 | email: [email protected] | website: www.itij.com ESSEN

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OCTOB

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ISSUE

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Australi on unfaa focuses ir insuranc e

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OCTOBER

2009

ISSUE

105

Australia on unfair focuses insurance

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Consume r groups in Australia about what are outraged contained they call ‘unfair’ terms and in insurance insurance policies, condition coming s with travel under fi reports re. on the latest news Charlotte Hodgman The Australian Senate amendme nts to the is proposing a designed Trade Practices series of to Act that regulator increase the power are in the country, of the fi territory nancial as well and However, federal laws into as bringing state, consumer line with Action Law each other. groups such as Centre the Consu changes, have crit

To lie or

not to lie

More research organisations from insurers has revealed and other plague the insurance that fraud continues looks at the latest industry. Mandy to studies Aitchison where that offer fraud insights the industry occurs and how into much it really costs It has been revealed to India and Spain that travellers who ventured during this year have topped the fi rst six months insurance the ranks claims, in fraudulent of according carried out by to an investigationtravel independent CEGA Group Services. The assistance claims management company and medical fraudulent found travel claims that 40 per cent and July were submittedunearthed betweenof to India January by individuals and manager Spain. CEGA’s travelling special investigations Simon Cook cash were said that top lost baggage destinations, of the list of and scam claims travel spots but reassured from these visitors that they to these treated popular as a criminal should not be afraid of He explained: if they being “The vast needed to make a claim. majority of travel

insurance claims are ensure genuine that and we [CEGA] If, however, all genuine claims are paid investigation,the claim requires promptly. any degree throughout all customers are of treated the process.” fairly Despite the fact that travellers ranked top in to India and Spain CEGA confi the league of fraudulent rmed that travel claims, sham travel the highest claim – level of – actually worth in the region a single came to Association from the US. of £143,000 Such the general of British Insurers, claims, according 24-per-cent have the insurance rise in fraud attributed to cases across approximatelyindustry over the last two years, worth around 80 dishonest with claims per Meanwhile, £5 million – week – detected in 2008 insurance new research alone. from the fraud investigators UK’s insurance has revealedleading fraud is continuing soaring that to record to rise, despite levels in Ordnance 2008. Survey, which carried According to 74 per cent of those interview out the survey, increase in

levelling out or improving. Four out of fi will continue ve investigators believe to worsen, the situation they will as they face crisis further in the next year said the top issue will be the expected fuelling dubious economic claims. that It is also where they people will lie more at the point keep the first take out their price low. policies 44 per Of the investigatorsin order cent to of fraudulenthave seen an increase interviewed, claims made, in the volume seen an while 46 increase per cent in both value of have claims made. the volume and monetary is driving It seems more members that the measures, of the public credit crunch as over half number to of completely of the investigatorsdesperate scams employed bogus claims think the has risen. by gaining in popularity the public that Other seem to gangs actively include be serial application targeting insurers, claiming, criminal for a

Consumer groups in Australia about what are outraged contained they call ‘unfair’ terms and in insurance insurance policies, conditions coming with travel under fi reports re. on the latest news Charlotte Hodgman The Australian amendments Senate is proposing to the Trade a series designed of Practices to Act that regulator increase the power are in the country, of the fi territory nancial as well and However, federal laws into as bringing state, consumer line with Action Law each other. groups such Centre have criticised as the Consumer changes, saying that the proposed taken out they with insurance will not cover Nicole companies. contracts Rich of the Consumer said: “There’s Action Law no reason should Centre, why insurance be treated any contracts. contracts There are differently to any terms in other insurance lots of examples of unfair contracts consumer group, National in Australia.” its submission Another Legal Aid, to the Senate: said in standard form consumer “Unfair terms in contract have been rife continued on page 9

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