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    • There will be no issues with a course offer if the dates are as you say. The usual cut off is four months from the date of the offence. This is so as to give the driver the time to accept the offer and take the course before prosecution becomes "timed out" at six months.   However, if the NIPs really were the first to be issued and there are no issues with the address details then both have a cast iron defence to the speeding allegation. The first is dated 20 days after the alleged offence and the second 23 days after the alleged offence. The Road Traffic Offenders' Act makes it quite clear that if a NIP is not served within 14 days of the alleged offence then no prosecution can take place. But as I said, late first NIPs are very rare and both need to check all the details I have mentioned before they decline any out of court offers of a course or Fixed Penalty.    For information, courses are normally offered for speeds up to (Limit +10% + 9mph). Only one course of any type can be taken in three years (with the date of the offences being used to calculate that period) and courses are not offered in Scotland. However, if a driver is not offered a course for any reason when he would normally qualify (including late NIPs) he has no right of appeal to have one offered. If the matter goes to court the court has no power to order a course.
    • My grievance against my manager is on Wednesday at 12.00 noon. A union officer is representing me. The representative for my manager is a product manager. I was told today that she is the Daughter or a Step-Daughter of the manager. Is this a conflict of interest? Am I correct in saying that, because the manager is the subject, the hearing has to be carried out by a person higher than the manager such as a director? if so, the product manager is not entitled to carry out the hearing. I'm pretty certain that I read this in law books. My Brother is a licensed union chairman but has since left his previous employment.  He is certain that I am correct . Any help would be gratefully appreciated.   diecastdave
    • Ok cool many thanks!  Much appreciated...I will check everything out now and answer all those questions!
    • Sorry,  its regular outgoings of payments. It’s income related they’re on, not contribution based.  Mum and applicant were totally unaware of the rules in regards to deprivation of capital.   On income related ESA but claim housing benefit and council tax support.   He hasn’t came into a huge chunk of money. It’s been spent over a duration of four years. appointee’s livid, and worried that he’ll be homeless.  
    • Hi all           I spoke to the courts earlier today and they advised me that the points placed on my licence were removed in October 2019, and that a court date is set for November 26th. Guess what ??? I had not been given that info either. The courts were very helpful and explained to me that everything had been sent to my previous address (which I have not lived in or owned for 5 years) The car in question was registered in March 2016 and I have owned since new and has never been registered to my old address. I have proof of this down to the point of not taxing the car March 2017 as the car was zero tax I did not realise I still had to go online and tax it, the summons for that was sent to my current home address.  it is very strange that the police directed everything to my previous address. i then contacted the police on the number given by the courts and was told to forward proof I was out of country at time of offence for them to look at, the police officer was very understanding and quite helpful giving the information. I have to e mail her tomorrow and will give an update when I know more as this previous address thing is really confusing !!!  
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MrHat

Income Protection insurance question

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Hi, a friend of mine took out an income protection policy last april. It pays out about 1k per month for up to 12 months in the event of sickness or loss of employment.

 

Since then he has been diagnosed with cancer.

 

He will need to take time off for chemotherapy.

 

In the policy it states the below. The policy ends in april. Does this mean that the policy will pay out for up to 12 months if he claims today or will payments stop in April? (The policy end date)

 

“Monthly benefit will be paid until:

 

• The date when your Doctor or

 

Consultant advises that you are no

 

longer unfit for work as a result of the

 

accident or sickness which prevented

 

you from working at the start of your

 

claim; or

 

• The date when you do not supply us with proof that you are unfit for work as a

 

result of accident or sickness; or

 

• The date when you return to work; or

 

• The date when we have paid 365 days

 

of benefit for a single claim under this

 

section; or

 

• The policy end date.”


CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

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Giving this a bunp to see if anyone is about.

 

Seems strange to me that income protection policy would onky pay til end of policy as the only way to get 12 months is to claim on day one


CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Giving this a bunp to see if anyone is about.

 

Seems strange to me that income protection policy would onky pay til end of policy as the only way to get 12 months is to claim on day one

 

I suspect that if the policyholder wants a claim payout to continue beyond the current end date in April, that they would have to renew the policy. Although it is a 12 month policy, it can be renewed.

 

These type of policies work differently to standard Insurances. If you claimed on say Home Insurance, the date that is relevant is the date of loss. With this type of income prtoection policy, the health condition causing the loss is an ongoing issue, so the only way to continue receiving payment is to continue the policy and meet the terms of the policy regarding notification of Doctors reports into their ongoing treatment and inability to work.


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Thanks so much uncleb.

 

Do he could start claim now and renew the policy? Would the premium go up or be on same terms do you think?

 

The policy states that he must notify them of change of address, employment status etc but does not mention anything medical


CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Thanks so much uncleb.

 

Do he could start claim now and renew the policy? Would the premium go up or be on same terms do you think?

 

The policy states that he must notify them of change of address, employment status etc but does not mention anything medical

 

It is VERY important to fully comply with the policy terms in regard to notification of any claimable issue. There might be a condition about the time period by which Insurers must be notified.

 

Get the claim in first, as it will take time. The renewal is a separate issue and they will receive details in due course. Whether they pick up the claim and increase premiums because of it, i cannot answer.


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Thanks again


CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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