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    • £3000* as your contribution (Excess) to the sum insured.   If you are on fully comp. you’ll get your repairs, their repairs (and costs) and have to contribute £3k*.   If you are on 3rd party (fire & theft) you’ll get their repairs (and costs) and have to contribute (£3k* AND all of your repair costs), [unless you don’t want your car repaired when you’ll just pay the £3k*]   * £3k if the total exceeds £3k, the tot value of the claim if the claim doesn’t exceed £3k : why it  is important to find out the value of their claim and if their claim is appropriate or inflated.
    • I think you're conflating the discussion with your own view of what open borders means.  Obviously I don't think it's sensible to allow people to come to the country and claim whatever they can - They can't even do that now.  If they have a job, and are able to support themselves then that is what I would say is fair enough.  The real issue with selecting who comes to the country is that you can't devise a system that selects people fairly, and it would need some human intervention down the line.  How do you decide who is of benefit to the country etc.. I think if we go down that route, that is where I feel uncomfortable.  Even if we adopted an Australian points based system it wouldn't reduce immigration, and the hole notion of only allowing people that earn above a certain sum of money to come to the country is plain silly - As if the amount of money someone earns is the mark of their character.  And as we know, we rely heavily on low skilled seasonal labour.     Your point is moot because our low skilled workforce have no reason to move to another country unless the standard of living is equal or better to ours.  I did read the other day though that the UK provides the greatest number of immigrants from any other country to Australia.   I would suggest that the foreign aid everyone likes to grumble at is a way to improve living standards in other countries.
    • I dont care what race, colour, creed, sexuality or personal religious beliefs anyone holds and just like I dont believe anyone should be penalised in any way for their purely personal choices and beliefs, neither do I believe they should expect or be given benefit or preference over any others based on them.   Real non-discrimination in my opinion.   If a person is a benefit to our society - I don't care about their purely personal choices. If a person is not a benefit to our society - I dont care about their purely personal choices.   ... and that certainly is not anything approaching Nazi-ism in my opinion. Sounds more like real world socialism to me than most self-proclaiming socialists I hear and see.     Are people who make 'profit' - all 'bad' - are they heck as like Are people who say we should give everything away to those more 'needy' - all 'good' - are they heck as like and in the vast majority of those cases most are nether of the extremes of 'good' or 'bad',   .. although it is arguable that those who consciously make a personal choice give away all their personal belongings other than perhaps the absolute minimum they NEED - to those more needy ... are 'saints' - if their personal choices accept that, and whether officially acknowledged or not.     I agree it would be great if the world was at peace with itself and everyone, and no-one went hungry or feared for their childrens futures, and there was no greed, or fear or hate or even want - but this is the real world, and we have to deal with it in real ways.   Not even Star Treks federation is close, let alone the reality we need to deal with.
    • This will be won’t pay more.  The Ex-husband got his ex-wife to go to mediation to sort out the financial side because they own property together.  The ex-wife did not like what she heard from the mediator and would not cooperate. So they wasted 3 visits. Afterwards she arranged another mediation meeting but just for herself without the ex-husband involved and paid over £120 to tell the mediation service how shit she thought they were. Then told the ex-husband what she had done.     Now here’s a new bit of information at the moment the ex’s have one of their houses up for sale, can my sister put a lean on the house?  If yes, how does she put the lean only on the ex-wife’s part of the money
    • I have had to fill in a declaration a few times. southern Water are the worst performing Water provider in the UK. They have even been investigated by the Serious Fraud Office.    I have no doubts there will be many vulnerable Southern Water customers with similar issues who are not aware there Watersure Tariff has been wrongfully  removed.   The culture within Southern Water as I have experienced lacks transparency. The Customer Service Manager used language that removed all blame from Southern Water. Instead of saying they would accurately re bill me he said he would look into the overpayments Inhabe been making!!
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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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