Insurance Questions and Answers

Problem on the estate next to Jenkins my gardener?

Jenkins refuses to do as I articulate in regard to the north field. I hold want that turned to a large sea garden for a few days now and he still hasnt even started.. He seem always to find away out of his duties on the estate and is cause an upraor in the manor.

After hessian this bone idle wretch and kicking him stale the estate with no discharge and loss of pension. Should I hope legal counsel and sue for damages??


Answers: Old bean, you are doing it all wrong.

All servants resembling that need a flawless beating. Besides, if he have any money, you have be paying him too much. Don't start me on the pension.

Pull yourself together, prehistoric fruit. See you at the club tonight. Afters at the brothel?

Major Fotherington-Gusset-Smythe

PS - dear wife has some roses for yours. Does your maid still hold her daughter working on the estate? we might skip the afters, heh?
You absolutely want legal warning. Desperately.

Estimating How much do you pay Insurance for Building a wall 80meter hight ?




Answers: If you're looking for insurance for a mason, for building a wall - it's not rated on the wall. It's rated on how much you have to pay for labor to build the wall.
Property - make sure that you have insured the full value of the wall in case something happens to it. Example, if it cost 10,000 to build, make sure you are covered for that cost. This may be included on your policy different ways depending on whether it is connected to your primary building or not. Verify your coverage with your agent.

Liability - Not sure what an 80 meter wall is good for except blocking the sun; that is huge. I am hoping that you meant 8 meter (which is still pretty high). Either way, you would have a liability issue if people (yes idiots) have the ability to climb it and fall off. I am also assuming that it will not tip over on people, cars, other buildings. Again, talk to your agent to make sure that you have any odd things covered.

How do you transfer insurance to a another company ?




Answers: I suspect the £50.00 is an admin fee imposed by the insurance broker rather than the insurer.

However there is nothing you can do except pay the fee as you accepted it under their terms and conditions when you bought the policy. UNLESS

You may be able to argue that imposing a £50.00 fee is in breach of the FSA rules about treating customers fairly. - see below. (Taken from FSA Website - all customers should be aware of them)
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We have defined six consumer outcomes, which explain what we want TCF to achieve for consumers.

Outcome 1: Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.

Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.

Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.

Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances.

Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.

Outcome 6: Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint
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Obviously Outcome 6 is the one I am looking at and the one you should quote if you make a complaint.

And do you mean 'better' or 'cheaper' the two words are NOT interchangeable. probably pointless explaining this but all policies are not the same and it is usually better to check the differences in cover BEFORE you have to make a claim - by then it is too late.

With regards to the process it is easy. Take out the new policy. Advise your insurance company that you wish to cancel and ask them to forward proof of no claims bonus to you - when it arrrives send it to the new insurer.
Just cancel one and start the other!
Make sure there are no penalties for cancelling if its not at the renewal time though.
i am not sure go to the insurance company you want to change to explain what you want to do i am sure they will be able to help
If you mean transfer your insurance to another broker then just go to your new broker and ask them to carry out a Transfer Of Agency.
If you mean that you want to move from your current insurers to new insurers then just approach your current broker and ask them to rebroke your policy (place cover elsewhere).

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