Shotgun certificate and speeding.

[Mill Wheel]

Breadvan72 said:

OK then, being able to buy insurance without bother is more important than good mental health?

I don't think Eleven was suggesting that mental health was less important than insurance - he was drawing attention to poorly worded opinion being misconstrued by the insco.

Eleven said:

So a benign comment can be misconstrued accidentally or otherwise by an interested party. I took life insurance about 4 years ago and had a world of inconvenience because of a badly worded comment by a GP relating to medicine.

I had a similar problem - being refused insurance twice.
When I inquired as to why, they didn't want to say at first - until I pressed them and found they were reading a chronic heart disease condition I didn't have from the medication I was on.
The GP who prescribed it had retired, so I had to find and present evidence of a further application for the medicine which the insco (and my ex-GP's colleagues) were unaware!
Eleven seems to be saying that a subjective condition might be construed on a poorly recorded comment from a GP, so best avoid the possibility.

[Jasandjules]

Eleven, I see your misconstrued comment and raise you a HIV test. I have no idea WTF the GP was doing that day but I had some bloods done, went back a few weeks later for the results to be told good news, I don't have HIV. When I asked why a HIV test had been done without my knowledge the GP went white as a sheet (it was a different person) and said did I not go through some counselling etc!?!?.... No, no need for that as my range of bloods was nothing to do with HIV.

I have no idea if this will ever affect anything I do.

[Eleven]

Jasandjules said:

Eleven, I see your misconstrued comment and raise you a HIV test. I have no idea WTF the GP was doing that day but I had some bloods done, went back a few weeks later for the results to be told good news, I don't have HIV. When I asked why a HIV test had been done without my knowledge the GP went white as a sheet (it was a different person) and said did I not go through some counselling etc!?!?.... No, no need for that as my range of bloods was nothing to do with HIV.

I have no idea if this will ever affect anything I do.

I've had a few HIV tests. I am not in any high risk group. The tests have never affected anything.

[robinessex]

One day, I'm going to finish Niccolò di Bernardo dei Machiavelli's, the Prince. Did I get the apostrophe wrong?

[Eleven]

robinessex said:

One day, I'm going to finish Niccolò di Bernardo dei Machiavelli's, the Prince. Did I get the apostrophe wrong?

You going to finish him with a shotgun?

[anonymous-user]

The Prince is a satire. If you want to know what Machiavelli really thought you have to read his Discourses on Titus Livy.

[Red Devil]

Breadvan72 said:

If you haven't tried Trollope before, maybe start with "The Way We Live Now".

Ashamed to say I haven't read it, but ISTR David Suchet on the telly playing the role of a fraudulent businessman/financier?

Breadvan72 said:

Even better, try Thackeray's "Vanity Fair".

Ah, that one I do know. The charming but immoral and cynical rascal Becky Sharp. Love it.

[Mr Trophy]

OP, I got my license last year (August) and got the same questions as you. Have you ever thought about killing yourself, do you drink etc.

I actually didn't put my speeding points down (SP50 / 01/04/2011 and when the officer came round, he made me aware that it's actually "a criminal conviction" but not to worry about it.

[anonymous-user]

The TV adaptation was very good, and, yes, Suchet played Melmotte, a sort of Bob Maxwell character. The novel takes the world depicted in Vanity Fair and moves it on about fifty years to circa 1870. Not a lot has changed in the interim.

[julian64]

Jasandjules said:

Eleven, I see your misconstrued comment and raise you a HIV test. I have no idea WTF the GP was doing that day but I had some bloods done, went back a few weeks later for the results to be told good news, I don't have HIV. When I asked why a HIV test had been done without my knowledge the GP went white as a sheet (it was a different person) and said did I not go through some counselling etc!?!?.... No, no need for that as my range of bloods was nothing to do with HIV.

I have no idea if this will ever affect anything I do.

Erum yes thats quite serious. And yes it will affect you in the future.

[Eleven]

julian64 said:

Jasandjules said:

Eleven, I see your misconstrued comment and raise you a HIV test. I have no idea WTF the GP was doing that day but I had some bloods done, went back a few weeks later for the results to be told good news, I don't have HIV. When I asked why a HIV test had been done without my knowledge the GP went white as a sheet (it was a different person) and said did I not go through some counselling etc!?!?.... No, no need for that as my range of bloods was nothing to do with HIV.

I have no idea if this will ever affect anything I do.

Erum yes thats quite serious. And yes it will affect you in the future.

How?

[julian64]

Eleven said:

julian64 said:

Jasandjules said:

Eleven, I see your misconstrued comment and raise you a HIV test. I have no idea WTF the GP was doing that day but I had some bloods done, went back a few weeks later for the results to be told good news, I don't have HIV. When I asked why a HIV test had been done without my knowledge the GP went white as a sheet (it was a different person) and said did I not go through some counselling etc!?!?.... No, no need for that as my range of bloods was nothing to do with HIV.

I have no idea if this will ever affect anything I do.

Erum yes thats quite serious. And yes it will affect you in the future.

How?

Well mortgage, life, payment, all types of insurance tend to have a common set of questions to assess risk. One of the set questions is 'Has your patient even had an HIV test'. For those of us old enough, this replace the more disasteful 'Is your patient sexually promiscuous'. Its intersting that no further qualification is asked or given space to add. Furthermore all the questions on the form are concise and targetted.

The inferrence being that one was a direct replacement for the other.

Interestingly when a patient complains about their loaded premiums they are usually told it was due to the GP report and sent back to us for discussion. However no information is ever offered from the company or given in response to enquiry, and both I and the patient are left to ponder. In more than few cases I suspect that the HIV tests suggests a certain lifestyle to them, as in more than a few cases it has been the only possible thing on the form to cause the loading.

A stupid presumption regarding lifestyle especially in view of the fact its now standard testing for infertility, but I would suggest its still the case.

[Eleven]

Interesting. All I can say is that I have had a few HIV tests for reasons other than being sexually promiscuous and have never had special terms or loading applied to insurance.

[hman]

erm aren't all pregnant ladies tested for HIV...

[Einion Yrth]

Mr Trophy said:

OP, I got my license last year (August) and got the same questions as you. Have you ever thought about killing yourself, do you drink etc.

I actually didn't put my speeding points down (SP50 / 01/04/2011 and when the officer came round, he made me aware that it's actually "a criminal conviction" but not to worry about it.

Not if the disposal was by fixed penalty, surely.

[Mr Trophy]

julian64 said:

Eleven said:

julian64 said:

Jasandjules said:

Eleven, I see your misconstrued comment and raise you a HIV test. I have no idea WTF the GP was doing that day but I had some bloods done, went back a few weeks later for the results to be told good news, I don't have HIV. When I asked why a HIV test had been done without my knowledge the GP went white as a sheet (it was a different person) and said did I not go through some counselling etc!?!?.... No, no need for that as my range of bloods was nothing to do with HIV.

I have no idea if this will ever affect anything I do.

Erum yes thats quite serious. And yes it will affect you in the future.

How?

Well mortgage, life, payment, all types of insurance tend to have a common set of questions to assess risk. One of the set questions is 'Has your patient even had an HIV test'. For those of us old enough, this replace the more disasteful 'Is your patient sexually promiscuous'. Its intersting that no further qualification is asked or given space to add. Furthermore all the questions on the form are concise and targetted.

The inferrence being that one was a direct replacement for the other.

Interestingly when a patient complains about their loaded premiums they are usually told it was due to the GP report and sent back to us for discussion. However no information is ever offered from the company or given in response to enquiry, and both I and the patient are left to ponder. In more than few cases I suspect that the HIV tests suggests a certain lifestyle to them, as in more than a few cases it has been the only possible thing on the form to cause the loading.

A stupid presumption regarding lifestyle especially in view of the fact its now standard testing for infertility, but I would suggest its still the case.

A very interesting point, given that I work in Financial Services myself.

About four yeas ago, I had to go for an HIV test, this was due to low white blood cells (I was in and out of Hospital with IBS). From memory I just finished with my ex missus and was "sharking about".I was given the all clear two days later (thank god).

Edited by Mr Trophy on Monday 18th August 11:15

[julian64]

Eleven said:

Interesting. All I can say is that I have had a few HIV tests for reasons other than being sexually promiscuous and have never had special terms or loading applied to insurance.

Which was exactly why I said in the above post that it was spurious. In my area all new referrals for infertility testing have to have an HIV test as part of their workup, not something we do routinely for pregnancy referrals in our area though.

The question is on almost every one of the above forms I fill in though so you may draw your own conclusions. The question is framed as a tick box, and there is usually no space after to elaborate.

Perhaps our friend in the industry could let us know more?

[Mr Trophy]

I've looked a bit further into this. A standard question below on a medical question -

Have you ever tested positive for HIV, Hepatitis B or C or are awaiting the result of such a test?
IMPORTANT: If the results is negative, the fact of having an HIV test will not, in itself, have any effect on your acceptance terms for insurance.

So, with that said, the wording of the above is pretty clear that you will be OK.

[julian64]

Interesting. my forms here say 'Have you ever been tested for HIV .....yes/no' no qualification, no hep. I much prefer your question

[robinessex]

Eleven said:

robinessex said:

One day, I'm going to finish Niccolò di Bernardo dei Machiavelli's, the Prince. Did I get the apostrophe wrong?

You going to finish him with a shotgun?

I wanted to, so applied for a shotgun certificate. 'Cos I'd collected a number of points on my license, I couldn't have one. So 'ole Mach has escaped. Hang on, haven't 'we' been here before....................!!!