Can an insurance company withold a no claims certificate when you still owe them money?
Oct 27, 2008 by Helen L | Posted in Insurance
I have a fight against with an insurance company, I have now got a new insurance company but still owe money to my old insurance company. My new Insurance Co. want proof of my NCD but my old Insurance Co will not give it until I pay what I owe. Can they withold this certificate?
Yes, they are justified in with-holding the certificate until you pay. What I put you do is settle the bill now, and if the dispute is later resolved in your favour, you will be given a refund of the disputed amount anyway. What exactly is the spat about? Have you contacted the Financial Ombudsman Service for them to carry out an independent review of the dispute (if it cannot be resolved between you and the insurer)?
sparkle555_2000 | Oct 27, 2008
YES
♂ ♂Little Miss BeRnIcE ♂ ♂ | Oct 27, 2008
Is health insurance worth the money?
Jul 10, 2007 by Testicles | Posted in Insurance
I have been with Bupa well-being insurance for years but have never used them. I'm 21, Do you think I'm to young to need insurance as I will most likely not need any untill I'm in my 40s. Is it a wast of money? Its only £52 a month so not to extravagant but I suppose I could spend the money on things I enjoy. What do you think.
Oh, I'm british so have the NHS to fall back on if I'm ill. Its free.
My in person opinion is that you paying far too much if you are only 21 years old. If you shop around you will probably find the same level of cover or better for less than £30 per month at your age.
With regards to Healthfulness Insurance, Is it worth it, my answer would have to be yes. Ofcourse nobody ever wants to claim but if you do you will be very glad that you have the cover in place. Health insurance is designed to pay for short term acute illness and give you fast access to medical attention. The NHS is there for all accident and crisis and long term/chronic conditions.
I had health insurance in place when i was your age and thought exactly the way you do but my father made me get it out as i worked for myself. If something happened to me i would insist fast treatment and get back to work. I used it twice in my twenties for problems that came completely out of the pornographic, and i was extremely grateful that i has health insurance in place. If i did not i would of been on the mercy of the NHS and who knows how long it would of taken.
If you want some edible advice and maybe a new quote, check out http://www.privatehealthservice.co.uk as they are very helpful. Good luck.
dukedrink | Jul 11, 2007