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Ok. The client bought a puppy from a breeder and was told she had 4 weeks free insurance but was not told the name of the insurance company. The insurance company said they sent 3 reminders by post to take out a full policy but none ever arrived. Unfortunately the puppy needed an operation just after the 4 weeks which cost £6k. The client had tried to get the insurance details from the breeder but the breeder would not give them The client took out a policy before the end of the 4 weeks with another company but that had 15 day exclusion period.
Main problem is the first companies belief that because they say they posted the reminders to take out the full policy they can assume i has been delivered. They had a phone number but say they do not phone.
AJ. The operation was £6000 !
I believe that Sale of goods act will apply to the breeder as puppy considered 'goods' in law and so not fit for purpose?