NLIC.org

Hazel Said:

Why does the health insurance make you wait a year and one day to get pap smear test?

We Answered:

Because you are only allowed one pap a year, unless medically necessary.

Your OB-GYN should give you another prescription without a pap. Or preventitivly, the doctor should give you the inital prescription to last a year.

Bobbie Said:

Car insurance and Roadside assistance in France?

We Answered:

Have a look here ...

http://www.ecarinsurance.co.uk/eudrivein…

Alicia Said:

Do I have 3 months after my last day being covered by health insurance to sign up for Cobra?

We Answered:

No, you have 30 days to make up your mind, once the paperwork is sent to you. Your employer has 60 days to send you the paperwork, but most send it within a week.

If you take it, you have to pay back to day one. If you decline it, you lose the opportunity forever. You can't "pay later". And it doesn't save you anything to wait the whole 30 days, because if, say, it's two months later, you ahve to pay for the prior two months AND the next month, all at once, or it's cancelled.

Constance Said:

where and how to get an insurance for a borrowed car?

We Answered:

You have 4 options...

Option 1: If you have the 'drive other cars' extension on your policy then you will be allowed to drive your friends car (Third Party Only), but make sure you read the small print as some insurance companies will only allow you to use the DOC extension for emergency use only.


Option 2: Call your insurance company and see if they can add your friends car to your policy for a day.


Option 3: Ask your friend to add you as a named driver on their insurance policy (if you have an accident this will mean you have to claim on your friends policy).


Option 4: Get short term insurance for a day (or for however long you require it)

Here are some short term insurance companies...
http://www.dayinsure.com
http://www.insuredaily.co.uk
http://www.tempcover.com
http://www.norwichunion.com/short-term-i…
http://www.theaa.com/insurance/short-ter…

Robin Said:

Is it illegal to run 2 insurance policies on one vehicle?

We Answered:

no it is only illegal to CLAIM on 2 separate policies.

You are making things unnecessarily complicated. Contact direct line and tell them about your friend , and the days that this person will be driving your car.

Allow me to give you some fatherly advice. NEVER allow friends to drive your car. This person should hire a car for a few days.