Wednesday, September 9, 2009

National Insurance Card help?

Resolved Question

National Insurance Card help?

Okay so im 15 and my ni card came in the post the other day.
my birthday isn't until november but i'd like to know if i can get a saturday job now while im 15 instead of waiting til im 16 because i have the card. Can anybody help me out as im kind of confused, thankyou! :) x

Best Answer - Chosen by Asker

It is not really a national insurance "card" anymore it is just a statement of what your NI number is, ( It may be on a card, but a card was only used, when there was a physical stamp stuck on, to indicate that NI had been paid in any week, now it is done by bank payment to the tax man, ( the Department of Works and Pensions ),and yes, you can get work, but as a 15 year old you will be restricted as to the hours you can work in total, in a week ( usually 20 hours max, including theatre work if you do acting ), and will not be permitted to work nights, most 15 year olds, get work stacking supermarket shelves or as Saturday assistants, in Chemists these are not generally advertised, just ask any store if they need one as a part time worker, after a few tries some one always says yes, just stick to the process, you will get there. That is how the winners in life behave, they get out there, and knock on doors, do auditions, ask around all the time, and do it again and again, sooner or later you are the one in the right place, at the right time, that is not luck, it is not chance, if you want a life and a career, that is how it gets done !!!
And keep records of starting dates and wage slips ( you have no idea how much of a problem you will have if you lose these , one last thing , when you keep these wage slips write down the cost of a gallon of petrol (or a litre), and a loaf of bread, or a dozen eggs, on the back, and in the years to come, you can see whether your life has increased in value, or whether your bosses are screwing you as time goes by, and if your life has actually been an upward climb or a downward slope.
Because all money loses value as time goes by, usually, even now, at the rate of 2.5% a year, so your life should increase in value at least at the rate of inflation annually, or you are going backward and being cheated by an employer, if it does not, and he is making an increased profit for himself, if he does this to your wage.
Then get up and leave, after you have found another better job, having many jobs does not stop someone employing you, but being stuck in one for decades will tell a possible boss that you are not someone considered as worthy of promotion, by your employers, so if you are still in the same position after 2 years, then it is time to look around for something better, you, like everyone else, only have so many working years coming to you, be ambitious, or you will lose out on too much, and trust me on this one nothing will chain you so much in old age as poverty...
Want a real scare ? then get an Argos catalogue and sit down with a pen and paper, and just add up from the prices, what it will cost during your life, to pay for home furnishing and carpets, wallpaper, washing machine, hoover, painting, tools and garden tools, seats settee, beds, cooker, fridge/ freezers, for a three bedroom house , and then realise that either age or fashion will mean that none of this will last more than five years, if you are lucky, before you have to replace it.
This does not include a house, that even at current rates, will cost three and a half times, it's original agreed purchase price, to pay off a 25 year mortgage, and then add a decent car, ( every five years, if you can look after the one you got, or even can, afford a garage or the tools ), and the cost of life, and contents, and car insurance, for you and a partner, and now think of kids and clothing and feeding and schooling if you want them to have a chance of a decent life .
Then realise, that that no one can actually afford to follow any path in life, that does not give a fair return for the hours of your life, do all you can not to get stuck in a low paid position and if you do, then get out and move on, that means putting a plan in place, and following it, set your time limits for staying in one place, two years at most, after that all the little lies told about you, by those around you, will start affecting your career, in some cases even where people will say that you told them that you were not interested in promotions or a raise ! believe me people do this cr@p, all the time, at work, and it can hurt even when you do not know about it, but if you move on, the damage ends there....

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Other Answers (2)

  • You can with permission from your school, but remember most places and i mean most places now don't hire people of school age. Places like supermarkets don't hire until you have officially left compulsory education. i know Morrison's just upted there minimum wage to 17. McDonald's/Burger King/KFC don't accept under 16s due to insurance rules and regs and high street stores such as Topshop/river island also followed the band wagon of not hiring until you have passed compulsory school age. So your going to find it difficult finding someone to take you on at your age, especially with the lack of jobs for everybody.
  • I employed youngsters from the age of 14 on saturdays. All properly legal in the UK.

My home was recently burgled worried about claiming on insurance i need some advice?

Resolved Question

My home was recently burgled worried about claiming on insurance i need some advice?

Hi

my home was burgled and everything was taken ive lost quite alot of money and some personal items i would just claim on my contents insurance but im worried that they will not pay becouse i have a big dog

my dog is an alaskan malamute and anyone who has seen one knows they are big scary looking dogs i dont know if its normal for the breed but mine doesent bark and hes soft as clarts it wouldent suprise me if he helped them carry the stuff out on his back

becouse of this im worried my insurance company will think im lieing and not pay i also heard on the grapevine that if the insurance company think you are lieing you can get in to some sort of trouble with the police....

Can anyone advise?

Kindest regards worried home owner.

Best Answer - Chosen by Voters

I have just renewed my house contents Insurance and nowhere does it ask if you have a dog.
Dogs do not come into it, as long as you have a crime reference number and you did not leave your doors unlocked they will pay up.
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Other Answers (8)

  • Make a claim regardless of your dog. The insurance company won't be bothered if you have a dog or not, or whether your dog is fierce or friendly. Of course they will want confirmation from the police that the burglar was reported to them promptly, so make sure you have a crime number to refer to. If you're not lying then you should have nothing to worry about - though there will probably be a bunch of police and insurance forms to fill out.
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  • The insurance companies here in the UK are the biggest crooks around , if your cooker blew up taking off both your legs their attitude would be - you done that on purpose so you can get a new cooker didn't you ! , so f*ck em claim on your insurance .

    Why even tell them about the dog ? they wouldn't give you a discount if you kept 6 lions in your kitchen so why should you lose out because you have a pet ?
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  • File the claim. If the insurance company thinks you are scamming them they can have a police investigation. And your tax money will help pay for it. The fact that you own a big dog shouldn't matter but you don't have to tell them you own it. The dog is so much a family member you might forget. I hope you filed a police report. Good luck
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  • Surely you have some record of this with the police and if you're not lying you have nothing to worry about otherwise why the hell are you paying insurance?
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  • Report it. You having a dog has nothing to do with being robbed.
    Had the dog bit someone that would be another story.
    You will be asked to supply receipts for the items you claim or at least photos
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  • Your dog will not cause your insurance co. not to pay heck they probably don't know of your dog also the topic shouldn't even come up. sorry for your loss.good luck
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  • how can the insurance company say you are lying if you called teh police and had a police report made up.
    You did call the police didn't you? if you didn't call them and more than a couple of days has gone by, then you are probably out fo luck all the way around. the sooner you report a burglary, the better chance the police have of finding the crooks and recovering your property.

    If you lost a lot of property, then that's what insurance is for, replacing that property - stop worrying about if the premium is going to go up - if you were so worried about that, why did you bother getting insurance if you don't plan on using it when you need it?

    dog has nothing to do with anything
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  • I would suggest that you put the claim in. I can't say for sure because every state and province have different insurance laws. But read the following and use your best judgement

    If you knowingly lied when asked about something on the insurance application that could void your policy (not will void, could void). And lying on a contract is fraud which could lead to a police investigation. Never lie to get insurance. What's the point in paying for coverage that is going to be voided when you need it most?

    But I doubt that the dog is material to your claim. And I doubt that an Alaskan Malamute is a problem; even if the insurance company does not accept risks with certain types of aggressive dogs.

    One final thought before claiming: is the total loss higher than your deductible? If so, put the claim in. Otherwise there is no point

    I really hope that helps.

    PS I prefer to think of an Alaskan Malamute as a big cute dog!

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Does any one know littlewoods policy if an items has been stolen?

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Does any one know littlewoods policy if an items has been stolen?

Best Answer - Chosen by Voters

Once you've signed for an item it's no longer littlewoods problem. If the delivery driver left your package somewhere without obtaining a signature and it was stolen then you can claim a refund or replacement item. But once its signed for even if its not your signature its not there problem!
100% 1 Vote

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  • If you bought from Littlewoods and it was stolen from your house/car etc. what is it to do with Littlewoods?
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Can you own one car with no insurance while being a named driver on a comprehensive policy?

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Can you own one car with no insurance while being a named driver on a comprehensive policy?

Hi

I am a named driver on my parents car who have a comprehensive policy. I am planning to buy my own car and still be insured on theirs. Does this mean I do not need a separate insurance for my own one?

PS: I am under 25 years old.

Best Answer - Chosen by Asker

In the UK? NO.

You WILL need separate insurance for your own car.

Your parents can insure you as a named driver, to drive their car, in which case their comprehensive cover will extend to you, while you are driving their car only.

With your own insurance, if you pay extra, you can be insured for driving any other car, eg your parents' car (but not worth bothering if they have already added you as a named driver).

If, once you have insured your own car, your parents remove you as a named driver from their own policy, then when you drive their car under your insurance on your own car, it will usually be 3rd party only. This is the minimum allowed under the law and is only really intended to allow people who have bought a new car to drive it home. It only covers you for damages to a third party if you are found at fault. (so if you crunch your parents' car into a tree, then they won't get a penny).

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Other Answers (2)

  • You will have to buy your own insurance since if you buy the car on your own name than you will have to buy insurance on your name.

    If you want to continue being insured as a named driver as before to save on auto insurance, since the rate for 25 year old will be higher than your parents insurance rate. However, the insuance record built up will not be your name and hence ou will not qualify for any no claim bonus.

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  • The comprehensive policy means that it covers more than just auto accidents (theft, vandalism,weather, etc.) on the cars that are on the current policy. Your car will need to be added to their policy. Driving a vehicle without insurance is illegal in most states and can lead to fines or even jail!

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I had to go for an independent medical report for an insurance claim. The expert diagnosed the wrong finger?

Resolved Question

I had to go for an independent medical report for an insurance claim. The expert diagnosed the wrong finger?

& the wrong hand. I had my Index finger broken in a supermarket accident. This finger is VERY important for my job. Will this help or hinder my case

Additional Details

The expert had all of my x-rays and medical records. He examined both hands. No way did I make him think it was the other hand & he should have known from my medical reports and x-rays which finger was broken

2 days ago

Best Answer - Chosen by Asker

Most likely he examined both hands/fingers as a comparison. I am guessing that this involves your right index finger since most people are right handed.

The insurance company should have the reports and will see that his notes reflect the wrong finger. When you reported this incident, you would have stated that your right index finger had been broken and your xrays would reflect this also. It would also reflect that you had treatment for that finger in the reports.

So for instance the doctor states that there is no permanent injury to say your left index finger, it would make no sense.

Just wait and see what the insurance company states. The doctor may have stated that your right index finger has 10% permanent impairment compared to your left index finger. But if the doctor only states that your left index finger suffered no impairment, then you might ask how they came to this conclusion when this was not the finger involved.

good luck

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Other Answers (1)

  • I'm not sure how this can help your case. There could be rather awkward questions asked about how you showed the medical expert not just the wrong finger, but even the wrong hand. It might not give credibility to the case, or the report.

Wednesday, December 31, 2008

How long does it take to get an insurance check after a flood in my house?

Resolved Question

How long does it take to get an insurance check after a flood in my house?

how many weeks does it take to get an insurance check after a flood in my home?

Best Answer - Chosen by Voters

Do you have a flood policy? No insurance company covers flood. All flood coverage is administered by FEMA. Insurance agents sell the policies on behalf of FEMA. The insurance company does not pay the claim. You're at the mercy of FEMA on this type of claim.

Now, if you are referring to water damage that may have occurred from a burst pipe or leakage from ceiling or roof damage, that will depend on the company and how quickly their adjuster got to you or when you provided the estimates and they reviewed them. All insurance companies are not equal. Each has different service times and coverage amounts that they determine need to be paid.
100% 2 Votes

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Other Answers (2)

  • You probly do not really mean flood. You probly mean a pipe broke and floodded your home.

    It is usually pretty quick.
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  • Usually pretty quick as long as whoever investigates finds nothing suspicious. 1 week maybe?
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My boss is making me pay for damage i caused to a work van. I dont understand why i have to when its insured?

Resolved Question

My boss is making me pay for damage i caused to a work van. I dont understand why i have to when its insured?

They made me drive a van with one wing mirror and suds law i reversed into a pillar on the side i had no mirror. The damage cost £700 and my employer is making me pay for it.

Best Answer - Chosen by Voters

Your employer cannot make you pay for it. An employer cannot make any deductions from an employees wage (apart from tax deductions) without their specific consent in writing so don't worry about that.

Whether or not you can be sacked for causing the damage is another question and it would be up to you if you feel that making a contribution to the cost of repairs would stop you getting sacked but there is definitely no legal requirement for you to pay for the damage.
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Other Answers (7)

  • In a nutshell, did you advise the employer of the broken wing mirror, before driving the van? Did you have another person with you, who could have seen you back on the blind side?

    In any case, refuse to pay. An employer has to show that you were negligent and caused wilfull damage, for him to be able to get you to pay up.

    If he threatens to make deductions from wages for it, that is classed as an illegal deduction from wages, and you can go through an industrial tribunal to claim thr pay back, but you have to go through the company grievance procedure first.

    I would strongly recommend joining a union if you aren't already a member of one. If you are a member of a union already, advise them now of this problem you are facing for more advice.
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  • Legally your boss should pay for any damage you do to the van during work hours. If you damage the van while not working(say you take the van home on weekends and drive it for personal use), then you are required to pay.
    Your boss probably does not want to pay the excess on the claim and also pay the higher insurance rate in the future.
    Unfortunately you do have the same problem all employees have. He has power over your job. In an economic climate that many people have lost their jobs, unfortunately you may be pushed into paying for the damage just to keep your job.
    If you do pay the cost, and you leave, you can try and take him to small claims tribunal to get the money back.

    But again, if you did the damage during work, it legally should be paid by work.
    0% 0 Votes
  • This sounds very fishy. Usually you would not have to pay anything regardless of what the damage is. If you have an employment contract, it should state what your employers policy is for when driving company vehicles. Some employers ask their employees to pay the excess when its their fault but this is not that common.

    Perhaps your employer is asking you to pay as they don't actually have insurance.
    0% 0 Votes
  • Your boss has no legal right to charge you for this. Let me guess, you are not in a union.

    See the citizens advice bureau for legal advice on this.
    0% 0 Votes
  • I bet your not in a union and really you should not of took it out if you were not happy with it.
    0% 0 Votes
  • You boss does not want to put in a claim. That would raise their insurance rates. So, pay the money for the damage.
    0% 0 Votes
  • You should not have to pay anything, i think your boss is a twat...
    0% 0 Votes
 

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