I am a Customer Relations Manager for Norwich Union

[beccus]

Originally Posted by smarts

I have sent an e-mail to your e-mail address, can you confirm that you have received it? Thanks.

I have replied this morning.

[beccus]

Well, its that time of year!
I'm a very lucky girl and have 2 weeks off from today so won't be around as much, I'm sure I'll pop in anyway, but if i don't reply straight away, don't worry, I am still here to help.

Please keep your questions coming, thank you so much for making me so welcome.
All the best, for christmas and the new year
Becca

[lilal]

hi beccus ,i hope you can help us .is there a legal obligation on insurers to provide a policy document ,be it car,life ,ppi or any form of insurance.what are the consequences of not providing this even after a further request to provide this say by phone to the insurers

[beccus]

hi lilal
i'm looking into this for you!

back to you asap

[lilal]

thanks beccus.

[Darkangelsdelite]

If you send a S.A.R (Subject Access Request) to a company then they are required by law to send you any information they hold on you under the data protection act.
As far as documentation goes, i'm assuming you mean like a motor insurance certificate etc? In that case, as far as i'm aware there is no legal obligation as such for a company to send you documents that you request if you've just lost them or need duplicates.
If you change your car for example then you are entitled to a new cert as its a legal requirement to produce one to a police officer on request.
Most companies will re-issue you documents upon request (some might charge for it though to cover admin costs) if you're having issues getting docs from your insurer then you need to make a complaint and follow the correct process and hopefully it should all be sorted out.


DA

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Car Insurance

[Trojan1401]

lilial,

Under FSA regs, a summary of the policy terms and conditions must be provided prior to the issue of cover i.e. at quote stage. The actual policy document must be issued within 30 days of completion of contract by the insurer.
If not received, they are obliged to issue duplicate documentation.

Provided that you have paid the premium and completed the proposal form and has been accepted by the insurer, you have fulfilled your end of the contract. Acceptance is deemed to be the issue of the policy and that all material facts have been disclosed.

There is a difference between a generic policy and endorsements / exclusions applicable to such policy therefore the generic policy wording should always be read in conjuction with the policy schedule. Most insurers now have their generic wording on their websites. You should therefore always ensure that you have a policy schedule.

[beccus]

Hi lilal
thanks for your patience and thanks everyone else for helping me out here!

In terms of legality, we're talking about civil law rather than criminal law. And in any case, the insurance industry is heavily regulated by the Financial Services Authority.

Under FSA regulations an insurer is obliged to provide a policyholder with full policy details in a durable medium... this could be on paper, in a .pdf format or even online, but there are issues with version control online - you need to be able to see the documentation that applies to your policy specifically, so the best way is in hard or soft written copy.

I hope this answers your question?
Becca

[lilal]

this relates to a ppi policy.we have never been issued a policy document in any form ,we have had 3 policies at different times with the same insurer.the only thing that we have is a schedule of insurance ,this from the bank that arranged/sold us the policies.one was in 03 the others started in 04 .in 05 we made a claim i requested a copy two times but it has never have been sent.how can i fulfil the terms of this policy if they have failed in their duty to provide one (3)

[Darkangelsdelite]

I'll hold my hands up and say that i'm not entirely familiar with payment protection policies, however, if you have a schedule of insurance, is that not in itself a document that proves you have cover? With home insurance for example, an insurance schedule is basically the equivalent of a certificate of motor insurance in the sense that its your proof that you have cover.
Do you know what other documents that you are supposed to have been sent?

DA

	Household Insurance Click link to open in new window.

	Car Insurance

[Trojan1401]

lilal,

It may be worth restarting the thread in the PPI forum as this type of insurance does not fall under the same FSA remit as general insurances i.e. motor, household, public liability etc.
As it is a financial product I believe regulation for such products was a lot earlier than when these overpaid muppets at the FSA started interferring with general insurances.
I think it is more to do with the sale of the life type assurance based products.

[lilal]

thanks trojan,i have also posted it in ppi forum.boy oh boy i wish this was straight forward but we all know insurance companies.my schedule shows the benefit payable ,dates and the level of cover ,that,s it.i have no idea what is stated within the policy ,fat lot of good now though,now that they are refusing to make any further payments on my claim because they allege i have breached the terms within the policy .as far as i was concerned the information i had been supplied from the start was it ,that,s all the info i needed or should get.call me stupid ,naive .had i not had to make a claim i would still be none the wiser .

[alanfromderby]

Due to the length of this thread it has now been closed - please now post your questions as new threads on this forum. Thanks.