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  1. Hi Did you take out additional cover for your trip? Most insurers only include cover on a third party basic in Europe ( you often have to pay an additional fee to upgrade to comprehensive cover) this really means that you have very little cover. I would suggest that you follow the complinat procedure outlined in your policy booklet ( would also be on swintons website) If you had the cover and have had to pay costs yourself due to a lack of service/misadvice then you may be able to claim costs back. As for no car on cover - Can you suspend or even cancel the insurance? This should no affect your claim as this happened whilst you were insured. Some companies allow you to suspend cover, it may mean that you carry on paying you direct debits however they normally refund you part of the premium once you put a new car on cover ( normally done by adjusting your direct debits and spread the refund over this)
  2. Could be - judging by what the op has declared on here the tp could be claiming off their home insurance who in turn would get all costs back through Elephant. In theory if the op pays back his costs this should not affect his ncd however after reading through their policy booklets!!!! It would not surprise me in the slightest if they still reduce this. What interests me further is that 2 of the Uk's leading insurers ( 2 that everyone is always quick to slam and complain about) would have settled the TP costs WITHOUT claiming costs back from the policyholder I guess it safe to say that you really do get what you pay for!
  3. it's also worth noting that if you pay all costs to the other insurer directly you may keep your ncd ( unless you also got your car reparied by elephant) as no claim would have being made on your insurance
  4. After reading through that policy booklet I'm not surprised why so many people are cynical of insurance companys........ I've never seen such stipulations before. It does seem that they reserve the right to claim costs back from yourself. Personally I would seek legal advice, the issue you have is that you feel you are being charged an excessive amount ( you had quotes for less for the damage to be repaired) you may want to speak to the other insurance and see if you can arrange to pay the amount directly and in instalments ( I would speak to Elephant first to see if they are ok with you trying to do that - after reading their terms!!!! ) Sorry I can't help more
  5. who are you insured with mate, it's still unsual for you to pay costs back regardless of the circumstances. Plus you could argue that you were willing to replace the damage and had quotes at a lower premium
  6. Are you sure? What type of cover do you have? Who are you insured with ( I'll have a look at there T&C's) any third party costs should be paid from your insurance NOT YOU. If you have claimed for damage for your car ( i.e you had comp cover) all you should pay is your excess, obviously you may lose any ncd you have accrued.
  7. Ok - This is normal, if you cause an accident that causes damage to property this is treated the same way as if you had hit another car. You are covered by your insurance so do you just not want to sign the form and let your insurance company pay? Why would you want to pay out the costs when your covered under your insurance?
  8. What type of cover did you have? what are the costs for? Is this to pay for damage to your car or the 3rd partys costs? This seems a little strange, all insurance cover includes third party cover therefore any costs liable to another insurer/person are covered by your insurance already. When you say you have to sign something to give your insurance co consent to act - are they not already aware of the claim? Have you given your insurance details to the Third partys insurance co?
  9. As he's being unemployed for over 6 months ( I'm presuming he claims jsa) he should have review meetings at the job centre - thats a good time to ask about training. as far as I understand you can do college courses for free if you claim JSA. It's also worth noting that for some University courses you can claim a bursary ( nursing/social work etc - would need to speak to Uni re this) What is he looking to do?
  10. I believe that they can, however you should check your companys sickness policy. ( all info that you can be asked should be stated in there) As part of absence management these questions can be asked to build up a clear picture of any underlying medical conditions as well as patterns of absence. If you were perscribed medication it should help your manager understand that your absence was genuine. Is everyone asked the same questions? our BTW interviews were a series of set questions, (didn't matter if you were off for 1 day of 6 weeks) taking medication was one of the questions that was asked, sometimes people would state no ( which is fair enough, some may just be a 1 day s&d bug) but if people declared medication it would show that they were willing to help themselves and reduce their potential length of absence ( more for longterm i.e stress and depression) I believe there is also the health and safety aspect, for some people their health is a private matter however at times it's important to inform your employers of medication you are taking ( i.e epilepsy/diabetes) to enable any first aiders to give you correct treatment if the worst did happen. Don't forget your employers do have a duty of care to you. it's probably no more than absence management but at the same time you can bet they are covering all bases for health and safety too.
  11. I'd call them first, ask to speak to a manager and state that you wish to make a complaint. If you get no joy then write, I'd check website as you can sometimes email your complaint.
  12. Ed - why have I "missed" the point?? lv's wording that I've taken from the policy booklet does not state that a cancellation fee is applicable within the cooling off period. The OP is entitled to a FULL refund with NO cancellation fee as they have cancelled the policy 2 days after inception. or - I'm I seriously missing something here?
  13. Where you aware that the vehicle had previously being written off and do you know what catagory of write off it was? A previous write off does devalue the vehicle and an insurance co CAN reduce the payy out ( they can also decline the claim if they think you mislead them by with holding information) If you were sold the car and were not made aware that the car was a previous write off it may be the dealer that you want to pursue the matter with.
  14. have you made a claim? According to LV's policy booklet you should get a refund Your cancellation rights At policy commencement You are legally entitled to cancel this insurance during a period of 14 days after the day of purchase or the day on which you receive your insurance documents, whichever is later. If you do wish to cancel please return your insurance documents to us. We will be unable to cancel if you do not return the certificate of motor insurance. A full refund of the premium will be paid to you unless you have made a claim within the 14 day period. During the policy If the cover has started and is beyond the 14 day statutory period, you will be entitled to a refund of the premium paid less a deduction for the days that you have been covered. This deduction will be calculated on a proportionate basis and will include an additional charge to cover our administrative costs. These charges will be subject to Insurance Premium Tax where applicable. Most companyshave now changed their stance on the 14 day cooling off period, many now give 14 days OR until the day the policy starts ( so nobody can benefit from free cover) I would call back and raise a complaint with a manager first, it seems that you SHOULD be entitled to a refund if you return your certificate of insurance ( may be worth doing this by recorded delivery - proof that it's being delievered)
  15. The wait thing, is this at the same time? will he continually be taking calls whilst others are waiting around for call? Are they on the same "queue" i.e this could happen all the time at my previous place however this was because we were trained in different products ( and were therefore targetted differently) i.e - "motor" calls would divert to motor only advisors and the calls would overspill into our queue once every advisor was dealing with a call - this never really mattered as we'd still get calls - home. travel etc, this did used to affect us in the same manner at times, when really quiet we could sit there twiddling our thumbs whilst "motor only" people took a steady stream of calls. because we were aware that this could happen we'd put things into place anc change the call flows etc to make it fair to all. Does your partner work on exactly the same products? could the above be a factor? Good to see that they are finally looking into it for him, to be fair I think call centres are so rigid in operations small technical things can be overlooked ( Mistakes can't happen!! ) that sometimes you have to really kick up a stink to get heard! Another thing he could do ( really cheeky) but take less calls! percentage targets are really unfair at times IMHO, it does mean that someone who never moves and works really hard can get penilised whilst the "office darling" can do almost nowt but shine due to the "stats" they produce. he could make use of every bit of "off phone activety" he is entilted too, whether this is coaching& development/not ready/breaks/wrap up (only what he's entitled too ) this may then mean he take less calls and his percentage target would increase possibly!
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