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)

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!

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

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

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

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.

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?

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?

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?

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.

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.

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?

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.

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)

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!

If you don;t have a courtesy car on your policy then your co are not oblidged to give you one. You can however claim at c/car from the tp - has liability being admitted yet from the other company? If so you could contact them and ask for one to be provided. failing this if you have legal cover you could hire a car and then claim the costs back from the 3rd party. try the other company first as 9/10 they'll arrange one for you.

Does he keep copies of these? On 1-1's and appraisels it should include details of performance, development areas and possibly targets. he needs to clarify the following Targets Why his target is different ( if it is, is there a reason for this) Performance against targets When you say he;s being offered help but declined - what type of help. has he made his line manager aware that he is suffering from work related stress?

the reason I asked about this is due to some kept postcodes being hugely different in price and risk to others. if it's still kept at the other adress ( the one on your doxs etc) then there would have being no need to advise if you've exhausted complaints process - go to fsa

but there could have being an increase in price and risk had the OP contacted Morethan - at a guess I'd say there was hence the policy being voided. However, hows Joe Public supposed to always know this - hence follow complaint all the was to the FSA. if for example there was no or little difference in premium it may make the company overturn there decision.

Do your company pay for sicknotes? I come across this several times before ( and asked staff to do it myself) it's part of a absence management plan ( nothing more) If they are demanding you provide one for less than seven days absence you could ask them to pay for it - if your gp refuses to provide one I think they would still have to pay you ( I've had to back down before !) If you run into problems consult your union rep ( if you have one) and refer them to the infomation you have provided above.

It can happen that advisors in call centres have different targets however this needs to be clear and transparent ( as well as the reason why) for example ( this is how it was for me at my previous call centre) Different paybands, when you started there you had x target, you continually hit it you got a pay rise but were then expected to hit a higher target - if you were at the top level your target could be twice as high as the person sat next to you however you were already getting a higher basic salary. Different products - it was an insurance company covering a range of products, if you were skilled in all products your target could be very different to someone who was only targetted in one ( if you were multi skilled you were expected to upsell and cross-sell - as this took more time you didn't have to answer as many calls or take as many cash payments etc) has he asked why he's targeted differently - I would advise this to be done via email directly to his line manager ( conversations don't happen in call centres unless they are documented) Is he in a union? Does he have monthly 1-1's or appraisels?

Definatly agree with that, One of the first things I was taught when I became a manager and did all my health and safety training. Doesn't matter what work enviroment you are in however I'd have thought it would be even more important in a supermarket enviroment where lifting could be part of the job role. As well as this she should have being monitored on a weekly basic to see how she was getting on and to ensure everything was ok. As far as I'm aware a companay can deduct "pregnancy related" sick days ( if existing sickday entitlement is reached) as this is still "sickness" - they would however not be able to follow any absence managment process's ( written warning, dismissals etc) as this would be discrimination. she needs to get the staff handbook and view the companys maternity policy and her contract to see what the terms are. She should also consult her union rep ( if applicable)

as wulfyn states - Did the documents they send include claims details as given by you? If they didn't they seem to be stating that it's your duty to inform them of any mis information but I doubt very much this would stand with the FSA. have you asked directline to listen to the original call, if they have made a mistake it's possible that they may have to accept fault and honour the claim.

Sometimes when you cancel a DD the insurance co cannot reinstate it ( depends on which bank you are with) Did you tell your bank to reinstate the dd? Did your insurance co advise you to do this? This used to happen all the time when I worked in insurance.

Direct line are a telephone based company, I'm surprised that they wanted you to write to them regarding claims!! Was this to give specific information? Normally when you insure with a direct company all the information you give them over the phone forms the basic of the insurance policy. If you declared your claims then they would have based the price on this ( as well as any discount - NCB) I would complain in writing, as you declared claims you have already given relevant information - follow this to the fsa if you don't get anywhere - "treating customers fairly" is something that all insurers have to do. Sounds like they are trying to void your policy ( as they are stating they'll pay you back) decline this, all information you give is in upmost goodfaith, you declared all the information correctly and they agreed to insure you.