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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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UK car insurance co + no claims bonus EU


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Ive earned No-Claim Discount in Spain the last few years and have now returned to the UK expecting to pay a reduced premium for my car insurance using the spanish no claim bonus. However, so far several UK car insurance companies refuse to accept the spanish NCD.

 

I would like to know if i can challenge them under EU law as UK car insurance companies NCD's have always been acceptable in Spain so why not vice versa.

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I doubt you have a case

There's no legality in a NCD, it's a discount offered by the individual supplier and nothing else. If they don't want to iffer the discount, they don't have to. The situation could change if you could prove an insurer was taking someone on with a EU NCD and not you, that would be discrimination.

This is of course only my opinion.

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  • 2 weeks later...

My understanding of discrimination in the EU coomon market is:

if a driver has 3 years NCB from UK

and another have 3 Years NCB in Germany

 

if insurer give discount to one driver but do not discount the other -- this is discrimination -- the insurance companies activates in a common market and therefore it should be equivalent.

 

At the moment I have a similar issue with some UK insurers: I have an EU driving licence, and eventhough there are no valid reasons some insurars do not provide me with a quote (as I do not have an UK driving licence).

 

Anyway, I am reaserching right not, and as far as I could get, for my case is that they are faulting EU laws, by indirect discrimination (I sought legal advice from EU commions on this issue)

 

you can contact the EU commision to ask for your own case, but in my opinion if they fail to aknologe your NCB they are discriminating

 

hope this helps

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  • 3 months later...

I am in the same situation as you with a UK insurer, they say they can't accept my No Claim Bonus from an Italian insurer. Therefore they want to charge me double the amount. This really sounds like discrimination against Eu regulations.

Have you got anywhere with your inquiries with the European commission? Does anyone else have any advice in regards to this? Thanks

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Direct Line, Churchill and the other RBS Insurance brands accept European NCD provided it is in English showing the number of years entitlement.

 

To my knowledge most Insurers do, provided they can see what your entitlement was.

We could do with some help from you.

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thank you very much. I hope I can sort it out. Will keep you posted ;)

 

Did you get anywhere?

 

We have just returned for Germany. Neither Churchill nor Morethan will accept the standard european letter which has each sentence in French, German, English and Spanish. We are getting very frustrated - German insurers accepted the english letter from Churchill 13 years ago. If this doesn't work what on earth is EU about??

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Provided the standard European letter contains the necessary information, there is no reason why it would not be accepted.

 

Suggest that you go back to clarify why it has been rejected.

We could do with some help from you.

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Provided the standard European letter contains the necessary information, there is no reason why it would not be accepted.

 

Suggest that you go back to clarify why it has been rejected.

 

thanks for this. We have asked them - they want a letter that is ONLY in english, and not one line by line. Asking for clarification from either Churchill or Morethan is fruitless. We have not been able to access the individual who agreed the NC letter was ok. We have been unable to reach anyone in authority. We have now gone to a broker, and asked to try a more european orientated company such as Zurich.

 

As someone who is not overly enthusiastic about europe, having lived in Germany for 13 years, and now returning, it seems the whole idea of a single market is a complete fallicy (Pensions, bank transfers, "imports" are just a few examples).

 

Back to the car. We will try through the broker and let you know what happens. The german insurers (BBV) insist the letter is standard and "must" (German thinking) be accepted here. Would be interesting to see a UK insurer producing a NC letter in German, French or Spanish....

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The letter is standard and the Insurers probably receive them most days. I suspect that they had the office newbie or someone half asleep to check the letter and they rejected it.

 

The staff the check the no claims proof are not those that you speak to on the phone. You need to make a complaint with a team leader or customer relations. Ask them to dig out the letter you sent them to check that it contains the information they need in English. If it does, then I suspect that all will be ok.

 

Under FSA rules, in Insurance offices, staff are managed by a team leader, who normally supervises a team of up to 12 full time equivalent people. They have to have a supervisor or manager available at all times, partly for compliance reasons, but also for health and safety reasons. So there should always be a team leader or manager to speak to.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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thanks for that, its useful information. We will perservere, but do seem to be up against a brick wall of beauocracy - much more so than we ever came across in 13 years in Germany !

 

 

The letter is standard and the Insurers probably receive them most days. I suspect that they had the office newbie or someone half asleep to check the letter and they rejected it.

 

The staff the check the no claims proof are not those that you speak to on the phone. You need to make a complaint with a team leader or customer relations. Ask them to dig out the letter you sent them to check that it contains the information they need in English. If it does, then I suspect that all will be ok.

 

Under FSA rules, in Insurance offices, staff are managed by a team leader, who normally supervises a team of up to 12 full time equivalent people. They have to have a supervisor or manager available at all times, partly for compliance reasons, but also for health and safety reasons. So there should always be a team leader or manager to speak to.

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The UK Insurance industry has gone down hill in the last 10 years or so. I would say that most provide a pretty poor service. This is partly why we have seen high street brokers increase their sales in recent years. People get fed up of dealing with call centres !!! Some of the companies have even outsourced or off-shored some of the work. I think some of the admin work for some companies is sent to India.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 1 year later...

Hi,

 

I'm interested in this, too. I'm Italian and I'm gonna ask my insurance to provide me with the NCD in English (hope they will).

 

I want to buy and insure a motorcycle, but no company seems to accept my 8 year full Italian license and NCD to make me pay "human reasonable" prices. A company asked me £1200, two refused to insure me.

 

If the thing went any further in your experience, can you suggest me any company?

 

Thanks.

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Are you applying with an Italian EEC driving licence? If so try running a quote through with a recently received UK motorcycle licence as it might be cheaper if so go through the process of obtaining a UK licence

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Are you applying with an Italian EEC driving licence? If so try running a quote through with a recently received UK motorcycle licence as it might be cheaper if so go through the process of obtaining a UK licence

 

I tried all the chances, from new UK licence no NCD to long experienced EU licence with NCD, the prices seems to vary just from 120 to 500 on MCN, and it's quiet fine, but it doesn't always work on the companies' website. I was asking for a suggestion of a company to try as well. If anyone knows.

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Having tried this the opposite way round, the NCD is a ''discreationary benefit'' not and obligatory one!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...
Hi,

 

I'm interested in this, too. I'm Italian and I'm gonna ask my insurance to provide me with the NCD in English (hope they will).

 

I want to buy and insure a motorcycle, but no company seems to accept my 8 year full Italian license and NCD to make me pay "human reasonable" prices. A company asked me £1200, two refused to insure me.

 

If the thing went any further in your experience, can you suggest me any company?

 

Thanks.

 

MCE, they recognised my Irish NCB & Irish licence.

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MCE, they recognised my Irish NCB & Irish licence.

 

Thanks, I'll try with them, but it's probably harder for me because the NCB will be in another language and it's not called even NCB!

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If it's in another language you have virtually nil chance of an Insurer accepting it.

 

The only chance I can think of is if you find a broker sited in an area with a large percentage of that countries nationals living there who might be able to persuade an Insurer

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Actually as it's Spainish bonus, try a broker in Spain such as Neil Rowley who specialise in Ex Pats, they may have a connection with a UK broker they can recommend for you

 

Actually, I was going to ask to my insurance company in Italy to provide me with an English version or, at least, sign one translated by me... Hope it will be enough for the UK insurer....

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