Tag Archives: insurance

Sunday 30th October 2016 – IT GOES FROM BAD …

… to worse.

Luckily, it’s something that hasn’t happened to me (except only indirectly) but I’m involved in this as much as anyone else.

Terry needed to move the mini-digger and asked me ages ago if he could borrow my Indespension plant trailer to do the job, to which I agreed. Then a day or two ago he told me that he would be round at my place this morning, but the penny didn’t drop.

Later this afternoon, I had a phone call. There’s a puncture on the trailer. Well, I had no idea that he was planning to move it today. And where is the puncture? Why, it’s about 200 miles away from home. I had no idea that he was going to go that far.

Of course, there’s no spare wheel. That was one of the things that I had intended to resolve over the winter, as well as fitting all of the rear lights that I had bought for it so that I could bin the trailer-board on the back, but as you know, I was otherwise occupied with my serious health issues and I’ve never been home since.

If you have insurance on your trailer you can call for assistance, but that’s another thing that never entered my mind seeing as how I am in no position to move it anywhere right now.

And of course, it’s Sunday, so now Terry is stranded. But luckily there’s a hotel near to where he is.

Tomorrow he needs to take the wheel off the trailer and take it to be repaired or replaced, but to do that, he needs to take the digger off the trailer. But there’s no diesel in the digger so he’ll have to go off and organise that first thing tomorrow. Except that he doesn’t have a fuel can.

As you can see, it’s another thing that has come to try us just now. When is all of this going to end?

I was asleep really early last night but my neighbours awoke me when they came in and they had the television on – not loud, I hasten to add, but I could hear it vaguely in the background. And once I did drop off, I had to go off twice down the corridor.

I’d been on my travels too, but I don’t have a clue about where I went or what I did. It all evaporated the moment that I awoke.

And wasn’t I organised today? Breakfasted, down to the boulangerie for my baguette and back here, all befor 07:45. that’s something of a new world record. But I spent most of the day drifting in and out of sleep. I had a good chat with Liz and Rosemary today and I’ve also been attacking the website. You remember that I travelled along the Trans-Labrador Highway when it was completed in 2010 and my account of that journey has been on line for a few years.

But as you recall, if you are a regular reader of this rubbish, that I’ve done the journey twice since, once in 2014 and again in 2015 – both time is the opposite direction from east to west. There have been so many changes to the route that I’m going to write another book about it. And so I’ve started to merge all of the reports and photos into one.

That’s going to take me a good while, I reckon. Not the work of five minutes, that’s for sure, so don’t expect to see daily updates on line. .

It’s Sunday and so for tea tonight I had a pizza. Spinach and mushrooms and it was delicious. Best that I’ve had.

But now, I’m going to try for an early night. My body clock will be up the spout because of the change of hour, so I hope that I’m not disturbed.

Tuesday 12th January 2016 – I REALLY DON’T KNOW …

… why they pay some of these people. If I were in charge, they would be paid in washers.

It’s no surprise to anyone to learn that neither of the two letters that I was promised, by two different secretaries of the hospital at Montlucon, has been prepared – let alone signed and posted. And so we had another fifteen minutes of unpleasantness at the reception counter when I went to collect my droit d’entrée to go to see the anaesthetist.

However, this was resolved in rather dramatic fashion while I was talking to the head of the accounts department. She told me (again – because she had told me this three or four weeks ago) that I needed to have the authorisation of my insurance company for the hospital to send the bills for consultation directly to them, and for this, I needed a letter from the doctor who was treating me.

I then (rather patiently for me) explained that I was in total agreement, but having asked for those letters on 23rd December from my Doctor and again on 4th January from my Surgeon, I had still received nothing despite the re-assurance on the telephone the other day, and in fact the letters hadn’t even been typed out.

At that news, the head of the accounts department picked up the telephone, dialled a number and had what can only be described as “a frank exchange of views” with someone on the other end of the line, including the phrase “do you realise that you are holding up the work of the hospital?”. And after she hung up the receiver, she gave me the form that I needed.

I don’t need all of this stress, and even less so when I’m ill like this. And I just go back to the very first day that I was admitted to the hospital, back in late November, when I handed my insurance card to the hospital. As you may remember, the hospital refused (and on a couple of occasions too) to telephone the insurance organisation as I was admitted. Hod they done so, they could have opened a file ON THE SPOT and established all of the information necessary to establish the necessary procedures and coverage ON THE SPOT and all of this unpleasantness could have been avoided. I don’t know enough about hospital procedure to be able to explain to anyone else what is happening and what to expect (from an accounting point of view), and the procedure in Belgium (where my insurance organisation is based) is so much different from that in France.

It’s all so unnecessary.

But abandoning yet another really good rant for the moment … "thank God!" – ed
let us retourner à nos moutons, as they say around here.

The alarm went off at 07:00 and I crawled agonisingly out of my bed. I’d had an early night and crashed out really quickly.

And during the night, I’d been trying to go to a rock concert somewhere but I had never managed to make it. And so I was at home somewhere or other (a house that I actually know but I can’t put a name or address to it, although it strongly resembled Davenport Avenue), and the musicians arrived! The three of them fitted into my tiny bedroom and started to play, just for me. The group might have been “Rush” or it might even have been “Strife” (I’ve been talking a great deal about them on my social network account just recently) but one thing was sure and that was no matter who it was, there was just one musician – the bassist – from the group and the other two members were the guitarist and drummer with whom I used to play back in the 1970s. And when they finished, the bassist said something along the lines of “that’ll teach you to come to our concerts next time”.
So from here, the drummer, guitarist and I had to catch a bus back to Crewe (we were in Chester at the time apparently – scene of many of my earlier musical successes) and so we waited – and waited – and waited – and no bus came (back in those days the C84 ran every hour). Eventually another bus came. This was a bus of the type of the mid-60s – an early Bristol RE single-decker with a green lower and white upper, but with large windows and very curved rather than angular corners – and on the headboard it was indicating “Whitchurch”. Buses heading from Chester to Whitchurch usually travel down the A41 through Christleton and that way but this bus was on the road out of Chester in the general direction of Tarvin, so I assumed that it might be going to Whitchuch via Nantwich, from where there were buses every 15 minutes to Crewe. But chatting to the driver, it appeared that he was only going so far down the Nantwich road, turning off just after Tarporley somewhere in the general area of Bunbury. And so we were there for a good while – the guitarist, the driver and I debating whether or not to take the bus, alight where it turns off the main road and wait for the very late C84. But what if the C84 overtakes us along the route? We’d then be even later and that would clearly be no good (the idea that if our C84 wasn’t running, we would be stranded wherever we were hadn’t entered our heads at all, apparently). The driver said that he could as a favour, pass by Aston Juxta Mondrum (which is nowhere near where we want to go and in any case didn’t have a bus service to anywhere) and drop us there, but we stood for ages at this bus stop, haunted by indecision and being totally incapable of making up our minds.

I was on the road by 07:30 and pulled into Pionsat at more-or-less the same time as the nurse (she who runs the pie hut at the footy) and so paying for my consultation from the other day was quite straightforward.

I arrived at the hospital in Montlucon at 08:30, having found a good spec to park Caliburn, and despite having had a little adventure on the way. It was pouring down with rain and round about St Gervais, the driver’s side windscreen wiper became attached from the arm. Luckily, I was able to rescue it and replace it but it came loose again and so I drove all of the way there without wipers (once you go through the initial 5 minutes of blindness, you’ll be surprised at how clear the view is through a “liquid windscreen”). Subsequent enquiries in the daylight revealed that the blade hadn’t been fitted correctly and I was able to deal with that.

It was just as well that I was early at the hospital. Once more, I had the choice of seats (the one in the corner by the power point) for we ended up 5 people in a room made for two and they were turning people away, to wait in the waiting room until there was a space for them. It really is no surprise that they couldn’t fit me in last Monday afternoon if this is how busy they are in the day hospital.

It was the efficient nurse who dealt with me today. Not only did she fit my drain at the first attempt, it hardly hurt (in comparison to all the others who have tried). And then we reverted to the marvels of modern 21st-Century technology, warming up the blood by stuffing it up my jumper.

I took advantage of my stay there by having a browse through www.archive.org. I discovered a while back that they are now grouping as *.zip files many of the old-time radio programmes instead of having them as individual downloads, but 1.4GB is beyond the capacity of my internet connection at home or here chez Liz and Terry. But not at the hospital where a real (as opposed to “notional”) 600kb/s is readily available, and so I downloaded all of Beyond Our Ken, all of the Sherlock Holmes radio shows of the 40s and all of the Philip Marlowe radio shows.

If I’m back next week (which is more-than-likely) there’s the Clitheroe Kid and the Navy Lark to download. And then I’ll be keeping an eye out for ITMA and Much Binding In The Marsh. And if it keeps on and on and on, I’ll end up with more radio shows than the BBC.

I declined the lunch that was offered, and for two reasons too.

  1. The food in the hospital is disgusting
  2. I was hoping to be in and out long before I became hungry

and wasn’t all of that a silly mistake?

I was indeed finished early – at 12:45 in fact. So much so that I had time for a coffee in the café, but I won’t be doing that again. Coffee from the machine is just €0:60 but in the café it’s €1:70, and it’s not as if the surroundings are any more pleasant than the hospital foyer. It did give me an opportunity to spy out the land there and check the food on offer (I need somehow to supplement the hospital diet) but there was, as I expected, nothing there that I could eat.

Then it was time to deal with the anaesthetist, and this is where we had all of the nonsense mentioned above. By the time that I had finished, it was almost 15:00 and how I wish that I had had lunch in the hospital earlier.

I gave the usual spiel to the anaesthetist. “I hate tubes, injections, internal cameras and all of that kind of thing. I don’t want to know what you are going to do to me – just do it and get on with it. if you find anything else when I’m opened up, do that too because I don’t want to come back a second time. But when I wake up, I want to have both my hands and both my feet, and I don’t want to see any tubes, pipes and cameras”.
“Both your hands and both your feet?” said the anaesthetist? “Not your head?”
“I lost my head years ago” I replied.

So we had a nice friendly chat. He’s an old guy, probably my age, with a sparkle in his eye and a devilish sense of humour which makes a change from most French people whom I know. I wish that there were more like him. And then I went for another spy around the 3rd floor to see what I could see. There seems to be a nurse there who would love to sooth my fevered brow, but I’ll be b*gg*red if I let him.

I did some shopping at Amaranthe, the health food shop. A pile of vegan cheese (we’re running low here) and a few other vegan bits and pieces. I bought myself a big pile of vegan muesli biscuits for lunch and nibbled them throughout the afternoon Liz didn’t give me a shopping list for the Carrefour so I had to improvise, and ended up forgetting a pile of stuff that would have been useful to us.That’s a shame, because I feel that I ought to be paying my way while I’m here, and a load of shopping each week would certainly help.

A new pair of slippers and a few pairs of sock was on my shopping list though. The slippers that I have are falling apart and my socks are … errr … quite religious. There was a special offer of 6 pairs of socks at €5:99. Terry asked me if they would last any kind of distance, to which I replied that maybe I only need to worry until the 27th January.

I didn’t feel like much in the way of tea. Too stuffed up with muesli biscuits I reckon. And then I had an early night, leaving you to digest a mere 2000 words this evening.

And serve you b*gg*ers right too!

Tuesday 15th September – I WAS RIGHT …

… yesterday when I said that this first month of my stay in North America had been one of 30 disappointments. We’ve had another issue raise its ugly head today too.

There’s only one company in Canada that insures vehicles for people with non-Canada driving licences (and they make people suffer financially for that of course) but it seems that since April this year they have ceased that particular line of business. And so the motor insurance for Strider has been rejected, leaving me without insurance cover.

However, the company has said that cover can remain on a temporary basis while I apply of a driving licence in Canada and so that’s what I’ll do. Apply for a Canadian driving licence.

Of course.

How long it might take, and whether it might be granted is of course another thing completely, and then there will always be an appeal process if it’s refused. But by that time of course I’ll be back home in France and it won’t be an issue. And next year is, of course, next year.

And so tomorrow, I’ll get on the case.

But if you think logically about it, it’s all a nonsense. There is without any doubt at all at least one company that insures drivers with foreign driving licences. If there wasn’t a single one, then how would car hire work? I’ve hired dozens of cars in North America and each hire has been with my French driving licence. And I still can do so (because I’ve checked). You aren’t going to tell me that a car hire company is going to let its customers drive around in uninsured vehicles, are you?

And it’s true (or it was true – at least in the UK) that when I worked in the motor insurance business, a company or a person could insure himself against liability. But he had to deposit a bond of £50,000 (and that was in 1972 – I shudder to think what that figure would be today) per vehicle and that money is tied up. I can’t see a hire company going through all of that, having the money tied up, no tax relief, no interest payments and all of this.

No – there is a company somewhere that specialises in this business and I have to find it. I’ve always said that where there’s a will, there are relatives. It’s just one more problem to solve. Now, how do you go about setting up a car hire business in Canada?

But apart from that for the moment, I slept the sleep of the dead last night. I crashed out at 20:28 and that was that until I had to go and ride the porcelain horse. An early(-ish) start and I did a pile of work and then a copious breakfast. I really can’t believe all of this for just $59:40 (including tax).

But while I was eating my breakfast I was watching TV (something that I rarely do of course) and the disclaimers for the adverts (which are often longer than the ads themselves) are quite often funnier than any comedy programme you would care to name. This morning we had a “do not take {this product} if you are allergic to any of its ingredients”. And you can’t make that up, can you?

Back on the road Walmart came up trumps with the big tent pegs that I’m going to need if I use this tarpaulin oversheet idea for the tent, and it also produced a couple of gas canisters for my cooker (they are becoming harder and harder to find as everyone changes over to the bigger sort) and a set of stubby spanners, which cost just $4:49. Ideal for getting into tight corners. But Mardens couldn’t produce a 19mm ring spanner at any cost. Still, I have an open-ended one and a socket and I hope that that will do me if I need anything.

At the border, I was whacked for import duty on the truck cap. $90:00 or something like that, but I don’t suppose that this is excessive really. It’s worked out as 5% of the value (in Canadian dollars), including, would you believe, the sales tax that I had to pay in the USA. That’s a bit near the knuckle.

georgia registered lorry trans canada highway new brunswickI had a race down the Trans-Canada Highway with a lorry – simply because I didn’t recognise his number plate and I wanted to see where he came from.

As it happens, he comes from Georgia (that’s Georgia USA, not the former Soviet republic) and so he was a long way away from home. It seems that the Maritime Provinces are becoming more and more popular.

Af Fredericton I picked up my parking pass for the next three days (foreign visitors can park free in the town centre for three days if they apply to the tourist office for a pass), picked up my media passes for the festival and went to have a chat with the people at Service New Brunswick who gave me a couple of useful tips.

At Value Village, it’s Pensioners Day and I profited to the maximum with a pile of books, a couple of CDs and also (at long last) the Canadian cable that I need for my laptop power pack (which saves having to hump around a pile of adapters. Walmart and Home Depot came up with nothing exciting and so I went for my traditional falafel platter in the Lebanese restaurant and then came back here – “here” being the Mactaquac Provincial Park campsite where I stay when I’m here.

But we did have a very interesting encounter this afternoon. You may remember yesterday that I was talking about big old British single-cylinder motorcycles. Anyway, wandering down the street in Fredericton I noticed a young guy sitting on, of all things, a Triumph T100. 1971 it was, and it looked it too. In original, unrestored condition looking every day as old as it was. We were chatting for hours about old British bikes and of course, AJS and Matchless motorcycles figured heavily. And it turns out that he has a friend who has a fetish about the big AJS and Matchless singles and who, at the last count, has 14 of them, plus numerous crates of bits and pieces. And so he’s taken my e-mail address and says that he’ll pass it over to this guy.

And so that was that. I buried myself in my sleeping bag ready for bed.

Now who is going to come along and spoil my day tomorrow?

Wednesday 19th August 2015 – HERE I AM …

prevost orleans express bus montreal riviere du loup quebec canada… at 03:30 at Riviere du Loup, and this is the bus that brought me here – a Prevost.

It took that length of time for the bus to come all the way out here but to be honest I don’t remember all that much about it. I managed to have something of a doze.

But here, I had to change buses as this one that I was on is off down the Gaspe Peninsula. I’m waiting for the Coach Atlantic bus that will be here at about 04:00 ready to leave at 04:30 for Moncton, and that’s going to drop me off at Florenceville.

prevost coach atlantic bus edmundston new brunswick canadaAnd this is the Coach Atlantic bus, an older Prevost, that brought me to Florenceville. We’re at Edmundston when this photo was taken, stopping to pick up and drop off passengers and also parcels because the bus does a parcels delivery.

And that gave all of us the time to have a coffee and to visit the bathroom, which I for one needed after all of that drive.

Strangely enough, we arrived at Florenceville on time, and Rachel and Amber were there to meet me. And I’ll tell you something for nothing, and that is that I will do this bus trip again. It was extremely painless, and much more comfortable than I ever imagined it to be.

I was dropped off at the garage to pick up my new toy, Strider the Ranger, and then took it round for its safety check. It passed okay, but I’ve had a new spare tyre put on it. The one that was there was quite worn and in any case it was the wrong size. I may as well have it done first as last, and it gave me an opportunity to clean and grease all of the spare wheel fittings.

Armed with a valid safety certificate, I went off to the insurance and there I had to lie down in a darkened room while I recovered from the shock. North American motor insurance is horrendous, even worse than Belgium.

I took the certificate back to the garage so that he could have a copy and so that he could register the sale and obtain the number plates. At the moment, Strider only has a temporary registration certificate.

On the way back up here, I noticed that Strider has a chronic misfire on one cylinder so I’ve booked it in on Friday to have a full service – that’s something else that I may as well have done before I go too far.

The three of us (Darren and Hannah are tractor-pulling this weekend) went out for a meal later at Woodstock and a good old chat, to catch up with what we have missed since last October. And then I came back here and crashed out.

Hardly a surprise.

Friday 25th October 2013 – I’VE FINALLY FOUND …

… the Acte de Base, or title deeds, to the apartment here. And a few people are going to be in for something of a surprise because, if you remember from a while back when I had a run-in with the Syndic of the building about one or two matters, I find that I am completely correct in my assumptions and it seems, to my legally-untutored eye, that the Syndic has been ripping off poor Marianne for years. I shall have to look further into this, itemise where I think that there are problems, and invite an explanation.

It might be, of course, that I have simply misunderstood things. On the other hand, there might be five fingers. But it does prove the value of tidying up. Maybe I should do it more often.

Apart from that, I’ve binned another pile of papers that I was keepig on Marianne’s behalf. All that remains is some stuff that relates to an incident in her life that dates from 1996 and which I shall have to look into in due course, and some insurance details which I am 99.9% sure are of no value whatever but nevertheless need to be followed up.

So, what else? Not much. I’ve been fairly busy but I’ve not really accomplished all that much. I need to get a move on.

Friday 19th August 2011 – What I would be doing this evening …

… is to post a photo of where I finished on Thursday with the pointing, and I did go out this morning to take a photo. However, despite a thorough search, I can’t remember where I put the camera afterwards. It’s defnitely getting to me, all of this.

So after working on the web site this morning I went out and did some more searching for stuff that I need for Canada. And I’m badgered if I can find my box of battery terminals. I’ve about 50 somewhere but your guess is as good as mine.

What I’m intending to do is to buy a caravan battery over there, but to have two terminals with me, with a solar charge controller, a multi-cigarette-lighter socket, a couple of 12-volt sockets and a 12/120 volt inverter wired up to it so that all I need to do is to slip them onto the battery and wire the solar panel to the charge controller. Then I’ll be all set up for my voyage. But where are these blasted terminals?

This afternoon, down to the bank to transfer some money, warn them about my visit to Canada (I don’t want to have another cash card swallowed up by “unusual spending patterns”) and to obtain a certificate of no claims for my insurance over there in case I decide to buy a car. I also went to the Mairie at Pionsat to get some info for the radio programmes.

I still had time afterwards to go up the wall, and I’ve extended the ladder almost right up the the apex – that’s about 9 metres and of course I’m 2 or so metres off the ground before I start, being on the roof of the lean-to. It’s decidedly shaky and being up there with no hands on the ladder while I chisel out the decaying mortar between the stones – I’m just not looking down.

The good side of today though was that the solar water reached 40.5°C and I had a gorgeous shower. What a way to start the weekend? I might even to to the swimming baths tomorrow.

For a little entertainment this evening, I watched the John Wayne film She Wore a Yellow Ribbon. It’s said to be one of his classics but it’s not a patch on El Dorado or Rio Bravo, his two best films by a country mile if you ask me.

What is interesting though is that She Wore a Yellow Ribbon is set in Monument Valley in the Utah-Arizona desert and it brought back all kinds of happy memories as keen long-term followers of this rubbish will recall that I visited there in 2002 when I was first off work ill, and I’ve never ever forgotten that journey. Yes, this evening I saw all kinds of sights that I had seen in the flesh, as it were. I’m definitely getting to be all broody about North America, aren’t I?

What is even more interesting is that they had the Cavalry marching out of the camp to the tune of “Garry Owen”, but that was in 1950 and they wouldn’t ever dare do that now. “Garry Owen” was the marching song of the 7th Cavalry, the late and unlamented General Custer’s regiment and ought to really have died with him at Little Big Horn because it played rather a sinister role in the American Ethnic Cleansing of Native Americans.

Back in 1869, Custer and his cavalry were on the trail of a small band of marauding Cheyenne raiders but losing the way in a blizzard they stumbled upon the camp of Black Kettle, a peaceful Cheyenne chief whose camp on the Washita River, well within the confines of the concentr … errr … Reservation. Setting his band up on a bluff overlooking the camp, Custer had them play “Garry Owen” while he and his soldiers raided the village, massacring every man, woman and child they could find, inculding a white woman and child who Black Kettle had liberated from a raiding party a short while earlier.

The atrocities that were committed on the dead and dying by the 7th Cavalry, described in all their gory – “that’s not a spelling mistake” …ed – by Custer in his book My Life on the Plains and also by many other soldiers at the battle and they make horrific reading.

Of course, this film was made 20 years before the release of Soldier Blue – the first film to blow the lid off the myth of the “heroic” US Cavalry and reveal them as the butchers and sadists that they really were. Soldier Blue concerned the earlier dreadful and notorious massacre of peaceful and innocent native Americans at Sand Creek – the event that brought home to the native Americans that whether they surrendered or whether they resisted, they were still going to be massacred (as indeed they were) and so they stood and fought.

Such was the horror of what happened at Sand Creek that an American Investigating Committee said of Colonel Chivington and his soldiers that
“(we) can hardly find fitting terms to describe his conduct. Wearing the uniform of the United States, which should be the emblem of justice and humanity; holding the important position of commander of a military district, and therefore having the honor of the government to that extent in his keeping, he deliberately planned and executed a foul and dastardly massacre which would have disgraced the verist savage among those who were the victims of his cruelty. Having full knowledge of their friendly character, having himself been instrumental to some extent in placing them in their position of fancied security, he took advantage of their in-apprehension and defenceless condition to gratify the worst passions that ever cursed the heart of man. Whatever influence this may have had upon Colonel Chivington, the truth is that he surprised and murdered, in cold blood, the unsuspecting men, women, and children on Sand creek, who had every reason to believe they were under the protection of the United States authorities”.

Of course, by the time that the Washita came around, some 5 years later, nothing at all of any criticism was levelled. “Manifest Destiny” was now official Government Policy and extermination of the native Americans was all part of the plan.