铭石民事与纠纷 | 保险合同不保依旧可以得到赔偿

在我们最近处理的一宗案件里，我们的客人是一个悉尼西区房子的屋主。在以往的11年里，他不间断地支付了自己的保险配套，而且保险配套也明确地写到，如果房子因意外火灾受损，客人会得到高达$650,000.00的赔偿金。

在2017年中旬，他的一个租客因为盗版手机充电器漏电失火，而导致他整个房屋被烧毁。保险公司拒绝赔偿，原因是因为保险配套保护的是住家房屋，而我们的客人把里面的房间出租给多位房客，因此火灾发生时，房子已经不再是住家房屋。

我们接下了此案，以《联邦保险合约立法1984》作为平台，成功与保险公司进行了协商，说服保险公司偿了我们客人$500,000.00的赔偿金。

根据该立法第54条：

Section 54 Insurer may not refuse to pay claims in certain circumstances

(1) Subject to this section, where the effect of a contract of insurance would, but for this section, be that the insurer may refuse to pay a claim, either in whole or in part, by reason of some act of the insured or of some other person, being an act that occurred after the contract was entered into but not being an act in respect of which subsection

(2) applies, the insurer may not refuse to pay the claim by reason only of that act but the insurer’s liability in respect of the claim is reduced by the amount that fairly represents the extent to which the insurer’s interests were prejudiced as a result of that act.

这条立法的效果则是，保险配套里的条款，如果会造成不公平的结果而受保人的行为并没有实质性地改变保险合约，保险公司仍然需要给予合理的赔偿，哪怕保险合约条款里明确地说不再保护。

如果您有任何保险有关的问题，欢迎联系与咨询我们。