Downstairs have a radio and we do have clients coming in and also off the street interests coming in for quotes etc... I don't actually understand the concept behind this surely they do not represent every music artist in the world which must mean I would only be paying them to listen to a handful of songs for which they may represent an artist, composer etc... What would the law be on music streamed via the internet to speakers? say off something like spotify or iTunes? I/Company would have legally purchased music surely allowing me to play them should I wish?

Afternoon, I received a letter last thursday from PRS no idea who they are or what they did and they have wrote to me to tell me that they have no record of having a licence for my office... Are we mean't to have a licence for my staff listening to music during the office hours? never heard of this before and we have been doing it for years and years. Is this just another [problem] going around or have I actually got to consider doing something about them? Thanks for any advice in advance. IB

Can't say that I have had any dealing with them in regards to my business.Who is your insurer? Normally following an accident at fault or not you are advised to take it to an Authorised Repairer who will send the invoice for work direct to your insurer. Which usually means there shouldn't be a delay in getting the car repaired. If you have not got a vehicle and the accident was a NON fault then might be worth using the Legal Expenses cover to deal with the uninsured losses (example getting a hire credit vehicle until yours is ready, or if taxi/bus fares if you cant drive because of injury) In all truth I am not to sure. I would believe it to be either the FSA (soon to be FCA) or CILA

Thank you for the replies. Unfortunately the Distance Selling Regulations would not apply to this situation because according to the business centre; The UK Distance Selling Regulations do not apply to eBay auction format listings on eBay.co.uk, and do not apply to all types of items. I would agree that this is just a scare tactic, but it is always a good idea to double check this sort of thing. I have just given my advice from dealing with parking companies which is to ignore everything until you get some sort of summons (completely different topic I know) Many Thanks

Hi everybody, I have found out tonight that Ebay is a legally binding contract once you win a bid or click buy it now. I personally dont use Ebay because I cannot deal with the hassle but a family member has recently been threatened with legal proceedings for a item worth £25 - twenty minutes before hand they messaged the buyer stating that they did not want the item anymore but due to nobody else bidding on this item they won it. I have dealt with many Contracts with regards to insurance but I am hoping that someone can help me with an Act which would make the contract void. Considering they had messaged before the auction had ended saying they did not want the item anymore. Usually Insurance contracts are on a cooling down period of 14 days but this would not be applicable to the seller as it is a private individual and not a business account. Any help will be appreciated. Many thanks in advance IB

Hi Rox, It's probably a little late now but you do not have to use an authorised garage of your Insurer. The only reason why they send you there is because they will get discounted prices on repairs (or normally would do). If you have a garage which you prefer and normally use then get an alternative quote for repairs from them on headed paper and send it in to your insurer. What will most likely happen is your dads insurer will say that if you use the unauthorised garage they will raise the excess from £100 to £200. If the Third Partys insurer has admitted liability for this incident then what happens anyway is your insurer will pay for the repairs then use it's subrogation rights against the third party insurer.

Firstly your friend would not be able to take out insurance on your vehicle for two reasons 1. that it would be Dual Insurance which is never a good idea 2. From what you said there would be no Insurable Interest for the Insurance company to accept the proposal basically meaning that your friend doesn't have a financial interest over the vehicle it would be like you wanting to insure your neighbours house it has nothing to do with you. If you car is currently insured then best thing is to ring your insurance company and ask them to add the driver on to your policy and just give them details of the Convictions like when they were convicted, what they were convicted of, any prison time / fines etc. From past experience with handling people with criminal convictions its a lot harder for them to get home insurance then it is car because its rated differently. Separate thought if they have their own car insurance and depending on their age they may have an Operative Endorsement for Driving Other Cars but this would only be under a Third Party Basis only but again that would be at your own risk because if your car was insured Comprehensive with you it would not be with them. Hope that helps

Think it should also be noted that if the keys were left in the ignition (which I am sure and hope they were not) there is no claim for the theft of the vehicle. In regards to the £3,000 if that was his own personal money then as UB67 said it would not be covered under his motor or home contents policy. The only way that the money would be covered would be if it was under a commercial policy which covered Money under an All Risks basis in respect of loss or destruction of or damage to money in Transit and on the Insured Premise which would cover £2,500 - £10,000 but general exclusion being during normal business hours and on route from premises to bank.

Was the learner stationary then she suddenly took off into your lane or was it a merging situation where she moved forward in her lane and other traffic had to merge in? Because I would think technically if she had right of passage and you had to merge into her lane then your vehicle could be in the wrong especially with the situation that you hit the TP in the rear which with any Insurer is clear cut that liability sits on you... Also if there were any witnesses to the accident which would be able to back up your side the story? Neck & Back pains would normally be dealt with Legal Expenses of your insurance policy because its Personal Accident so my advice would be to inform your Insurer and ask them if you have LE because they would appoint a solicitor to act on your behalf to claim back any expenses from the TP insurer.

Well if a claim did come into play then your insurance underwriter would have done a CUE check and would have come across the fact that your husband has received these convictions and depending on the Insurer and circumstances of the claim one of two things may have happened either they would ask you to provide reasoning of why you did not disclose this at the renewal date or they would throw out the claim or only pay for part of this claim (likely to be only TP costs if fault). Your Return Premium of £27.16 does seem a little unfair but then again without reading the Terms of Agreement for Bedford they do likely state that they can collect X% amount if a policy is cancelled early. I would assume that the policy was done by EDI so all the Underwriter would collect from you would be the TOR (Time on Risk) the rest of the money has gone back into the Bedford Accounts

Touching on what has been said already. This will be a claim against the contractors who will no doubt pass it to their PL insurers although I suspect they have a min of a £250 property damage excess so may well deal with this in house.If they deny liability then the only course of action is to put the claim in writing with copies of the photographs keeping the originals and give them 15 days to respond. If they still say no then it is best to try a no win no fee solicitor to act for you. It might be worth checking if the motor insurer will still deal with the claim as they will then take up action against the contractor but again I suspect there is some sort of policy AD excess. I doubt if the insurer would load a premium for a £500 claim and you may have protected NCB. Also if they have sold you an uninsured loss recovery legal expenses cover which he may be able to use. Also any legal cover under his house insurance policy who could help.

Well considering the length you have to wait to get to talk with someone you would think they are closed down... I am going to say they still are open especially as they are apparently the "specialist" for Aviva...

Morning everyone, First post here but I feel that it is necessary to tell you about my recent and ongoing dealing with a Claim, I do not do many dealings with personal lines anymore but I am shocked that Aviva and I guess other insurance providers use this company. I have been on hold for a total sum of 1hr 37 and I have only spoke to them once because I got fed up the second time so have now told Aviva I want them to contact me and also the fact that every 15 mins or so I am very sure that they hang up on your call either that or my office phone is messing me about but I have never had this problem before! God knows how other people that do not use brokers, stand being on hold for so long and dealing with quite frankly a "Elmo" on the other end of the phone. Compared to my dealing with other Loss Adjusters this company is a joke and need to seriously buck their service up not just for brokers trying to get to someone but for everyone else that have to deal with their own claims.