Resolved Question

Can a 16 year old take out hire purchase?

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No, to take out a hire purchase you must be legally able to sign a contract which you can't do until your 18.

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• By "can" I'm assuming you mean is it physically possible to do so. Yeah sure just tell them your 18. Question resolved.

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Resolved Question

I never got given a national insurance card?

im 17 soon and need a national insurance card as proof of identity for my CRB in college, i was told i should have automatically got sent one before my 16th.
What can i do about it, i have never been sent one
x

Best Answer - Chosen by Asker

National Insurance is dealt by the Dept of Social Security, based in Washington, Tyne and Wear. I would suggest that you get hold of your local office, number in the phone directory, and get advice. You may well need to take along a birth certificate and other ID with you to the office for it to be sorted out.

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• try asking your local jobcenter or careers advicer
• What country are you in? USA does not yet ( thank God) have national insurance, but neither do we say "never got given".

Resolved Question

Unpaid Maternity Leave and Short term Disability?

I get 3 months unpaid maternity leave and I filled out what I wanted to have on my med. insurance months ago before I found out I was pregnant. I didnt add the fee for short term or long term disability. Ive heard you could use short term disability for the time you are on unpaid maternity leave. So my question is can I ask to add on the short term disability now or am I pritty much screwd with no ncome for those 3 months? Thanx in advance for your answers

Best Answer - Chosen by Voters

Unless there is a qualifying event, and pregnancy is not one, you are not going to be able to add short term disability and get paid. So you either need to start saving money and your sick leave, or not stay off work for 12 weeks. You are can have 12 weeks of unpaid maternity leave that is protected by FMLA, but that is not a monetary benefit, it is job protection for 12 weeks. If your company has open enrollment soon, you can add short term disability, however you should ask your HR department if you have to have short term disability prior to getting pregnant.

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• Some employer's short term disability policies do cover maternity leave. (I cannot state what would be covered on YOUR employer's policy. However, every employer short term disability policy I've ever had covered maternity leave. At least, the first 6 weeks or so...not necessarily the whole 3 months.)
  
  The point is basically moot though, because you're already pregnant. You can't just change the benefits you chose through your employer any time you feel like it. You can find out with your HR/benefits office whether there is an open enrollment coming up, and whether you'd be able to select that coverage to help pay for your maternity leave. BUT...I suspect you're out of luck, and that its too late to do anything about it.

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• Pregnancy is not a illness, nor a disability. So no you can not say for 3 months you have been short term disability.

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Resolved Question

Life Insurance for serving British Forces?

Can anyone please tell me if they know of any Insurance company where my son and friends can get their own private life insurance cover. I have rang many companies but as of yet, nothing :-( they are all serving soldiers and due to go back out to Afghan.

Best Answer - Chosen by Asker

lifeinsurance.awardspace.info - try this one. I have their insurance and, as remember, they can provide such a service.

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Other Answers (2)

• Rather than phoning insurance companies go into your high street insurance broker. Brokers deal with many insurance companies and will know what is around in the insurance market.
• Try Sterling Life.

Resolved Question

ISSUES WITH AN HOME INSURANCE CLAIM?

A close family member had his home burgled. Laptops, phones, jewelleries, cds, dvds and more have been taken. Only the main door was damaged, the rest of the house was just messy. Unfortunately the insurance is still processing his claim , almost 12 month now, by writing to them asking them different question as if they were suspicious of fraud. he was away with his family at the time. The main issues is that receipts were never kept as all the product were over 6 months and he did not think that he needed to keep them( not the he was able to get a full refund if anything went wrong after 6 month). Manuals or boxes were not kept for most of the item as he never had to use them or it was not needed, on top of that he does not have much storage at his home. He was quite an electronic/ technology geek so he never had any issues to make things work, but most of the time he would use manuals online if he really needed them. The only proof of ownership he had was pictures which he saved onto his laptop, desktop, cd and phone, which were all stolen during the burglary. The insurance company is acting like they will not pay out if he cannot hand in any kind of proof of ownership, can they do that? please advise.

Best Answer - Chosen by Voters

Never kept receipts over 6months as not able to get a full refund - what about the 12 month warranty that would come with the product, this would need proof of purchase i.e a receipt. How did pay for them? If it was by card can get info from card provider that may help. Why would he have photos of his laptop, cds & phone? Many retails would keep records that would help.Mobile Phone - would this not be recorded by the phone provider. To be honest I don't see your family member being successful in the claim. Yes the company can with hold on paying out if you can not provide proof you actually had it, bought legitimately and belong to you. Further you can under European law if an item was faulty at point of sale get a full refund up to 7 years!

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• When it comes to everyday items such as a tv, stereo, etc most insurers will just accept that people generally own these things and will pay out without a fuss. When it is expensive or an unusually large collection of items than the onus is on you to prove that you owned them in the first place.

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• Photos or video of the items should be an acceptable form of proof in the absence of anything else.
  As has been said,these things can take time,and so its always better to provide as much proof as you can to assist any progress of the claim.

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• I'm afraid that they can do that and often do....that is why it is important to keep receipts and manuals etc etc.....
  
  I'm sorry to say it but, they may drag this out for a long long time...
  
  The only way he can provide any proof is a statement from friends and they may not even accept that.....

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• So he has no proof that he actually owned these items. Small wonder that the insurer is suspicious. The lesson is that receipts, photo evidence, etc., need to be kept in a separate secure place - like a safe deposit box.

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• Let me guess...a really inexpensive company?
  
  This is why it's essential to go with financially strong company that collects the PROPER premiums. This way, when you need the insurance, you're not treated like a criminall

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• Theft claims take a long time to settle. Because there is so much fraud people do get investigated. Sorry but bad guys ruin it for the good guys.
  
  And, a claim is much harder to settle without receipts or photos or a list of items taken. That is why people should at least take photos of their home with a video camera if possible or at least some still photos.
  
  The claim rep should be helping your friend. If you think your friend is not getting the help that they need then tell them to contract the Department of Insurance in your state for help.

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• On some of the items, laptops, phones etc, did he register them? If so the company would have a record.
  
  The phone company should have his phone records. Has there been any calls made after the break in?
  
  Does other family members have photos? ie; XMAS at the home showing in the background the items in question?
  
  Did he pay by check, credit card or cash for these items? If cash, no proof, but if by check or credit card, maybe able to go back and get copies of the purchases.
  
  If not, most likely they will deny since he will not be able to validate he had prior to the theft.
  
  good luck

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Resolved Question

Does anyone know if i am liable to pay charges to BT if i cancel my contract?

I have phone and broadband with BT. at the startup unbeknown to me ( yep dopey) they set up 2 broadband accounts by mistake, so for a few months i had duplicate bills seperate account numbers. me thinking the 2nd was my phone bill account..(paperless). anyway it cost me over £100 in bank charges where it screwed up my other bills etc. am i able to cancel with them without having to pay the next year charges they claim we have to do. i have only been with them since march.??

Best Answer - Chosen by Voters

THEY set up two accounts? If they did this then you're entitled to claim back all the fees that have been paid and close the contract without penalty

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• Depends on their terms and conditions,which you need to look at.There is a good consumer forum where you can get a more detailed answer to this-as well as your bank charges issues.link posted below.

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• you have to be with BT for a year after that you can cancel and go with someone else. before you signed the contract they would of told you that

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Resolved Question

Why do insurance companies not give discounts for flood protetction measures to individual premises?

Best Answer - Chosen by Voters

Because flood is not covered under a homeowner's policy. The only discounts that can be applied are those that affect the likelihood of a covered claim. These things are taken into consideration on a flood policy, but have no effect on a regular homeowner's.

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• So they can make more money.
  
  They may not recognise flood protection measures to individual houses - unless you build a double strength six foot high wall around your property?
  
  If there's going to be a bad flood, I find it hard to see how you could effectively isolate one property. By all means please enlighten me!

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• In the U.S., flood protection is not provided by homeowner's or commercial property policies. It is provided by separate federal flood insurance.

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• Probably because really adequate flood prevention is beyond the scope of an individual premises ,, Has to cover an whole area or locality .. You are all at risk or not .

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