How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask UKSolicitorJA Your Own Question
UKSolicitorJA
UKSolicitorJA, Solicitor
Category: Law
Satisfied Customers: 4312
Experience:  English solicitor with over 12 years experience
62162956
Type Your Law Question Here...
UKSolicitorJA is online now

Wickham Market Respite & Care Volunteers. A FREE service set

Resolved Question:

Wickham Market Respite & Care Volunteers. A FREE service set up to provide local support & respite for family carers in our locality. Run by two retired NHS/LA women.
Small Charity in Suffolk village. Constituted, all policies in place, endorsed by local medical practice and Suffolk County Council Adult & Community Services.. No premises,no assets, no paid workers, only income from local donations. Small group of 9 local volunteers who have undergone 56 hours accredited training, 10 hours independent assessments in residential care homes, course work to CQC standards + comprehensive case study. Fully supervised & named mentors. Ongoing T&D programme. CRB/DBS clearance.

Insured by Markel for past 2 years under Charities cover. cost £343pa.

PROBLEM:
Insurers have now classified the project as a Social Care (commercial) organisation and increased premiums to £1200 plus pa. We can't afford this and feel that the insurers are being unreasonable and unfair by refusing to acknowledge that we are a small, village based CHARITY.
The project has been acknowledged as an outstanding example of community action by Dr Dan Poulter, Under Secretary of State at the DOH. Other communities are seeking to replicate the Wickham Market initiative.
If we can't cover our volunteer carers this much valued project will have to shut down.
Please advise.
Best regards
Pam Bell
Project Coordinator
Submitted: 3 years ago.
Category: Law
Expert:  UKSolicitorJA replied 3 years ago.
Hello,

What would you like to know please?
Customer: replied 3 years ago.

Q.1: Is the insurer fair and justified in ignoring our charitable status when we have been insured with them, as a charity, for two years, have not changed what, how & where we provide care, and have made no claims?


 


Q.2: How can we challenge the insurers decision with any hope of getting them to restore our project to previous cover.


 


Bear in mind we have no money!!


 


 

Customer: replied 3 years ago.

Q.1: Is the insurer fair and justified in ignoring our charitable status when we have been insured with them, as a charity, for two years, have not changed what, how & where we provide care, and have made no claims?


 


Q.2: How can we challenge the insurers decision with any hope of getting them to restore our project to previous cover.


 


Bear in mind we have no money!!


 


Best regards


Pam Bell


 


 

Expert:  UKSolicitorJA replied 3 years ago.
Hello Pam,

I am afraid the insurer is a business and they have the right to choose whether or not to grant cover to someone, in the same way a shop has the right to refuse to sell to a particular person.

Whilst the insurer's actions may not be fair or justified, they are under no legal obligation to continue providing cover on the same terms as was done in the past I am afraid.

You may raise a formal complaint with the insurer and if that doesn't work, you may ask the Financial Ombudsman Service to step in, free of cost, to try and assist you, see below:

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Hope this helps
UKSolicitorJA and 2 other Law Specialists are ready to help you