Naicker learned a thing or two, and her experience is one we can all learn from. Criminal checks: I would be furious if an insurer wanted to do a criminal check on me. But that’s what the insurer did on her. People are often surprised to learn that the insurance contracts they signed obligate them to co-operate with insurers’ investigations. This includes providing material they ask for like bank statements, and health records, and agreeing to things like police checks. David White/Stuff Sheleshni Naicker’s experience gives an insight into some of the powers insurers reserve in their contracts, and some of the limitations of the laws governing them.