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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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liverpool victoria/pet insurance not paying out


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Scan_Doc0006-1.jpg

 

 

STAY WITH ME ON THIS ONE

 

THIS IS NOT MY PET, A GIRL AT WORK HAS ASKED FOR HELP

 

 

TWO YEARS AGO THERE DOG HAD MUSCULAR SKELETAL PROBLEMS WITH THERE RIGHT LEG, VET TREATED AND INSURANCE PAID OUT

 

ROLL ON TWO YEARS AND DOG HAS DIFFEENT MUSCULAR SKELETAL PROBLEMS ON THE OTHER LEG

 

INSURANCE ARE REFUSING TO PAY OUT STATING PRE EXSISTING CONDITION EVEN THOUGH DIFFERENT LEGS

 

SUGESTIONS???

Edited by postggj
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quote from letter

 

disapointed with our decision

 

cant help any further

 

now you state you can challenge the decision

 

why was that not put in the letter

 

i thank you for looking in and hope to enhance your customer service reputation but that just seems a sod off letter to me

 

(excuse my french)

Edited by postggj
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It seems lvcares did not come back to this thread

 

what is annoying me is that after the ppi scandel of misselling by banks, and no doubt insurance companies were well aware of it,

 

are such things as the mass explosion in pet insurance companies trying to fill the void as no one will ever trust ppi again

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Note what you say LV, however it would help if you explianed your position so others could make up their mind whether you are being fair in this respect.

there must be a reason why you have taken this stance which does not sound very positive.

why are you on this site, then if you cannot be specific and perhaps provide guidance to others that may have a problem!

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For what it is worth the stance taken by LV appears to be correct i.e there was a pre existing condition issue.

 

As the LV rep says, this is obviously fairly complicated and cannot be gone into on a public forum for the reasons stated.

 

Suggest that the Policyholder concerns uses the LV claims complaints process and takes this to the FOS if they want to.

 

In future my advice would be to work with local vets, when arranging suitable Insurance.

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same insurer L.V.

 

thats why i am mad

 

AND LVCARES

 

WE ARE NOT TALKING ON A SPECIFIC CASE AS SUCH

 

AS ALLWAYS BIG COMPANIES BEING ECONOMICAL WITH THE TRUTH

 

JUST ANSWER THIS

 

IF I HAD AN OPERATION ON MY LEFT KNEE LAST YEAR

 

AND ANOTHER OPERATION ON MY OTHER KNEE THREE YEARS LATER

 

HOW CAN THEY BE CONNECTED BEING DIFFERENT PARTS OF THE BODY

 

THATS A GENERAL QUESTION, CAN BE ANY PART OF THE BODY

 

ANSWER THAT AND I WILL GO AWAY

 

I REPEAT

 

TWO DIFFERENT PARTS OF THE BODY, HOW CAN THEY BE CONNECTED AND TREATED AS THE SAME INJURY

 

PLEASE DEFINE PRE EXSISTING CONDITION

 

A PET HAS AN ACCIDENT

 

HOW IS THAT RELATED TO ANOTHER PART OF THE BODY THREE YEARS LATER

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If you have maintained continous cover with LV and they covered the first condition, then according to their policy they will cover recurring conditions. I would think the two issues experienced can be related, as to my knowledge the type of issue MUSCULAR SKELETAL PROBLEMS, would not just soley affect one leg. I am not a qualified vet, but I think a vet will depending on the exact problem confirm that they can be related.

 

I am not sure where they are coming from in regard to pre existing condition. This normally means before LV are on cover. If you have had a policy lapse for a period and have taken a new policy with LV, the pre existing condition will apply to the new policy, because you have not had continuous cover with them.

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I am not sure where they are coming from in regard to pre existing condition. This normally means before LV are on cover. If you have had a policy lapse for a period and have taken a new policy with LV, the pre existing condition will apply to the new policy, because you have not had continuous cover with them.

 

 

THAT IS WHAT IS ANNOYING ME AT THE MOMENT

 

ITS THE OLD BS FACTOR AGAIN

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THAT IS WHAT IS ANNOYING ME AT THE MOMENT

 

ITS THE OLD BS FACTOR AGAIN

 

So you have had continuous cover with LV throughout, they covered one leg due to the condition mentioned, but they won't cover the other leg.

 

What LV appear to be saying is that the conditon existed ever before they dealt with the first claim and certainly before the policy was taken out.

 

What information have LV received from a vet to say that you would have been aware of a pre existing condition before the policy was taken out ? I think you need to dig away and find out what information they are relying on to form their judgement.

 

The letter from LV's MD is pretty poor. He should know that if the letter is supposed to be a final letter of refusal to deal with a claim, that it should have included details about the FOS complaints procedure and attached a copy of the FOS leaflet. I would suggest that the LV rep who is responding makes sure the MD's staff are correctly including the FOS bits, as otherwise they risk getting a slap from the FSA.

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I've had a quick look at LV's website and the first question is whether you had their essential or premier cover.

 

If it was the lower (essential) cover then they are correct in what they say about the second leg as each year you are starting from new. The first time you renewed after the year in which this problem first showed in one leg it became a pre-existing condition and was therefore not covered.

 

If you had the premier cover throughout then it's an argument about the money. From what I can see they have a £5000 per condition limit which is not time limited. If the treatment for the first leg cost less than £5000 then you still have cover up to that amount as they are (rightly) saying it's the same, or a related, condition.

 

I would say that there was no reason whatsoever for the spokesman from LV not to explain the difference in their two levels of cover though I'm not surprised. I think their website is misleading. Both essential and premier cover give the same £5000 figure and the only explanation they give is that it can be claimed over a longer period if you take the higher cover - with presumably higher premiums. Many (if not most) consumers would in my opinion see that headline figure of £5000 cover and opt for lower premiums. They simply wouldn't realise the difference. If I could get the pdf policy document to open I'd check further - but I can't.

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LV are not doing themselves any favours here, and are normally quite reasonable and fair; will now have to rethink about continuing to use them ( not pet related ).

HIGHTAIL are you saying that when renewing you must declare a condition that they have already paid out for in previous years? that cant be right as they already know about it; you dont do that when renewing car insurance, you only declare stuff when you change companies!

Edited by raydetinu
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As we explained in our last post it's not possible to explain our stance on a claim without going into specifics. Every claim is different, with its own unique set of circumstances.

As to why we posted on the forum, we regularly engage with the key blogs and are often able to help customers with their problems. While we couldn't talk about a specific claim publicly, we suggested a possible next course of action with the limited information that was available. Again, if any policyholder wants to discuss details of a claim with us then they contact us directly. Thank you.

 

LVCares? too funny, what is your purpose of being here? just to snoop?

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Ok. This is what I think is happening here (my theory). The policyholder only took out the Essential cover which only covers up to 12 months treatment for each condition. LV believe that the other leg problem is related to the previous condition and as the latest leg problem is beyond 12 months, they won't deal with it.

 

If this is the case which the Policholder should check with LV, then they should obtain an other independent Vets opinion, as to whether the latest leg problem is related to the previous condition or whether it is totally new. If the opinion is that it is a new condition, then LV should settle the Vets bill. If the opinion is that it is related, then LV would not be liable.

 

 

  • Essential pet insurance - up to 12 months treatment for each condition
  • Premier pet insurance - no time limit for treatment for each condition

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Unclebulgaria has explained it in a nutshell. How they confuse people is that no matter which policy you take out you still get £5000 cover. How the majority of pet owners are meant to work it out I really don't know. If you look at essential cover it seems you get £5000 in one year and for the premier you're paying higher premiums for £5000 cover spread over many years. They do state that the essential cover is a 12 month policy but I don't think it's made clear enough what that really means. To most people £5k cover is £5k cover and many will not realise the implications of taking out the cheaper policy.

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HIGHTAIL are you saying that when renewing you must declare a condition that they have already paid out for in previous years?

You don't need to because they know. These pet insurance companies call it 'renewing' every year which is another thing causing confusion. There is no indication in renewal documents to let the customer know if they have a continuous policy. All policies are taken out for periods of 12 months at a time so referring to one type as a 12 month policy isn't exactly a helpful definition.

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They do state that the essential cover is a 12 month policy

 

but the premiums have been collected by lv for the last three years

 

With the essential policy you are starting from scratch each year which means on each renewal date any condition which has gone into the vet records becomes a pre-existing condition and excluded.

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12 month policies and being renewable is missing the point.

 

LV will only cover treatment of a condition or anything that is related for a period of up to 12 months from diagnosis, with the maximum cost being restricted to £5k.

 

So if you had a policy that ran from 1/1/11 to 31/12/11 and your dog suffered from a condition on 1/7/11, LV would cover the Vets bills until 30/6/12. After 30/6/12, they would stop funding any Vets bills.

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