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6 Cards in this Set
- Front
- Back
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What helplines/ advice are often available with private motor insurance? |
- Many motor insurers provide a 24h helpline, offering their policyholders the ability to telephone control centres at any time for assistance. - When help arrives, the insured has to pay for the labour and parts used (unless the breakdown is due to an accident covered by the policy in which case recovery costs are payable by the insurer) |
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What helplines/ advice are often available with household insurance? |
1) Legal advice/ legal costs services. - Advice can be given on any private legal problems; for example, accidents, consumer or employment disputes. 2) Emergency services. - Immediate assistance is provided in all emergencies, whether or not relating to a claim. E.g. roof damage, blocked drains, physical danger. The policyholder is put in touch with a reliable contractor, who will carry out the work at a reasonable charge. 3) Glazing service. - Following breakage of glass in doors or windows, a replacement service is provided by a specified supplier, usually at a discount from standard prices. |
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What helplines/ advice are often available with travel insurance? |
Most travel insurers provide a medical emergency service. This is usually operated by a specialist company that will provide a 24-hour multi-lingual helpline facility. |
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What helplines/ advice are often available with pet insurance? |
1) Help with finding the location of a veterinary surgeon if away from home in the UK and/ or direct veterinary advice from RCVS nurses. 2) Legal advice 3) Bereavement counselling to owners 4) Replacement pets The early warning such a helpline provided of illness or potential illness can help to avoid unnecessarily high veterinary costs. |
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What are the benefits to the insurer if providing helplines and advice services? |
- The provision of a helpline will help the policyholder get the repairs carried out quickly, which minimises the chances of a larger claim by ensuring that the property is secure. - The insurer can control the standard of work completed. - The insurer can also control the costs involved in the repair and can use its bulk buying power. |
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Describe the situations in motor insurance where a policyholder has no insurance cover, but has a legal right to recover losses from another person. |
1) Third party only cover. A motorist who only insured against third party risks may have damage caused to the Insured vehicle by another motorist. The insured will wish to recover that exceed from the person who was responsible for the loss. 2) Excess Even with comprehensive cover an excess probably applies to the policy. In the event of damage to the car caused by someone else, the insured will wish to recover that excess from the person who was responsible for the loss. 3) Hire car. A motorist whose car is damaged and off the road for repairs through someone else's negligence may need to hire a car and will want to recover the cost from the responsible party. 4) Compensation for personal injuries. If negligence can be proved against a third party for injuries suffered as a result of a motor accident, the claim will need to be pursued (usually against the guilty party's insurer) |
