All taken on board and amending, thanks.
Can i 100% check that this NTK is non-compliant? It defo is in terms of it being issued to the keeper and nothing came for me before this, but it does mention me having to give them info as to who it was within 28 days etc etc. Think this POFA and keeper liability bit is what I’m most worried about.
CamScanner 05-28-2020 19.13.52.pdf
Its chock full of issues UB Personally don't trust Serco or G4s, had dealings with rthem in a previous Support Officer job where they were unpunctual, and kept someone found not guilty waiting for a week to remove the tag, so he was stuck in bail hostel until its removal. Can see their Contact centres messing up, and false alerts due to misdialled calls to people out of jurisdiction say Wales, or Scotland, as Mobiles aren't area coded as such.
Read the terms of the old legal cover. Does it not still cover legal issues, that arose when the policy was in force, subject to a time period ?
And please note that most legal expenses policies require you to notify the Insurers within a certain period of the legal issue arising. Failure to notify the Insurers of the legal issue within the time limit noted in the policy terms and conditions , would result in you not being able to claim. This is because the Insurers would want to examine the legal issues and see whether they were able to resolve them, before there was any deterioration, which could lead to a greater exposure to costs.
Ask your brokers to find out for you, if you are not sure.
Brokers will often switch Insurers when policies are due for renewal, so their customers receive the best option available. Had they known about a legal expenses claim and any potential loss of cover, they may have left you with the same Insurers, if the brokers still dealt with that Insurers. Brokers can lose arrangements they have with certain Insurance underwriters and they then switch to an Insurers they can still use.
And the renewal documents issued will have noted the change of Insurers, so the policyholder would have had opportunity to reject the renewal offer and ask the brokers to stay with the previous Insurers.
I'm afraid I can't help you to write a letter about something that complicated, maybe other people can.
Could I just ask please if you've complained to the GMC twice as your post seems to indicate?