Travel Insurance - admin fee for re-issuing cheque

FH_Brit

Lissyloo - not arguing, just pointing some alternatives - ask dacouch, I'm always taking the "devils advocate" side. I totally agree with bot yours and my views but it all depends how much you value paper, envelope, stamp, and in my case time to do it, £10 aint worth it to me. Even if the claim is £100 or £1m you'd still only loose £10!

FH_Brit

Flame - if you deal with 10 a day then you're probably not the claimant (consumer) I get paid by insurers in my work and it's the same as you as they have the legal obligation to pay, then they have to swallow the bank fees for re-issue of check.

lisyloo

but it all depends how much you value paper, envelope, stamp, and in my case time to do it, £10 aint worth it to me. Even if the claim is £100 or £1m you'd still only loose £10!

I agree, but I'd rather offer the info and let the OP decide.
I do know a few people who are not as privilieged as you and £10 is a big deal to them. A second reason is to do it on principle.

FH_Brit

dauphin - (Devils Advocate here again) Mountain out of an ant hill!!! geez talking legal procedings over £10? See dacouch post he is totally correct.

A cheque being a promisary note of payment (or as you put it instruction to the drawer) is exactly the same as cash (I promise to pay the bearer on demand..........) This whole discussion really should be "aimed" at the banks for charging for every little thing they can and us "idiots" (figure of speach - not calling anyone an idiot) for allowing the bank to charge us. Poor old IC getting the blame again !!!!

Lissyloo's reply, actually the ONLY guarantee that someone received a payment is to take it personally and get a receipt. Recorded Delivery, Registered mail etc does not guaranttee delivery 100% your letter could be in a van that has an accident and catches fire destroying all the mail inside, therefore the Royal Mail would not even know your letter was in there. A freak hurricaine (remember 1987) could have whisked the letter from your mailman's hand just as he was about to insert it in your letter box and away it flew never to be seen again.

It goes back to "reasonable care" as a legal term. The IC has taken enough care to get the cheque to you. And there is only your word that it was not delivered, your dog could have eaten it, your broken water pipe bursts and destroyed it, your faulty electrical fire may have burned it etc etc.

If you look at these things from the other side it often gives logical reason to why it happens.

Bear in mind we are, of course, all fine upstanding people who would never lie, or come up with stories to get out of paying something. Unlike some people that will try anything to get away with it!

lisyloo

actually the ONLY guarantee that someone received a payment is to take it personally and get a receipt

well, I'm not sure that's true of CHAPS and BACS, but I understand what you are saying. I'm sure Royal Mail vehicles have accidents now and again.
I know CHAPS is not economically viable, but they do it on house purchases to make sure people don't spend the night on the streets, so there are ways and means.
Cheques by snail amil is archaic these days. I very rarely used them and refuse to accept them myself on ebay.

It goes back to "reasonable care"

But why aren't the company claiming off Royal Mail?
Surely that's what their customer service should be doing.
Compensation is included in 1st and 2nd class post to £39 which would cover the £10 cancellation fee.
I believe the sender has to claim.

Bear in mind we are, of course, all fine upstanding people who would never lie, or come up with stories to get out of paying something. Unlike some people that will try anything to get away with it!

Good point, that some customers will try to get paid twice.
Using cheque is frankly archaic and they would avoid a lot of these problems if they used BACS.