Safeguarding Vulnerable Person’s

Car Call understands that as a business we will from time to time take telephone conversations with people who may find it difficult to make a decision about the choices we offer them in relation to the services that we provide.

This may be from customers who have been diagnosed with a condition such as dementia; those who have an undiagnosed or temporary mental health condition such as anxiety; those with learning difficulties or literacy issues; or those who have problems with a language barrier. We know these are only a few examples, but we as a company would see these situations as a Vulnerable Person.

Car Call ensures that the protection of vulnerable customers is handled extremely seriously and are committed from Senior Management level for the Company to do all it can to protect vulnerable customers.

Our Principles

A set of commonly agreed principles supports this policy. Such principles flow from respect for the rights of vulnerable adults who are entitled to:

  • Privacy

  • Be treated with respect and dignity

  • Lead an independent life and be enabled to do so

  • Be able to choose how to lead their lives

  • The protection of the law

  • Have their rights upheld regardless of ethnic origin, gender, sexuality, impairment or disability, age and religious or cultural background

  • Have the opportunity to fulfil personal aspirations and realise potential in all aspects of daily life

Identifying A Vulnerable Person

For us to address the needs of vulnerable customers correctly it is very important to be able to identify them. Some Risk factors can include bereavement, illiteracy, illness, disability or other impairment. In many cases more than one risk factor is present which increases the customer’s vulnerability.

All our employees at our Customer Service level are given training as part of the induction process to the company to be alert to the signs that the person they are talking to may not have the capacity, at that moment in time, to make an informed decision about the implications of the agreements that they are being asked to make. This is not a diagnosis of a condition; it is just an extension of the employees at our Customer Service level’s existing skill of listening, identifying needs, and adjusting their approach accordingly.

Customer Service staff should be alert for signs such as:

  • The customer asks them to speak up or speak more slowly
    - Can they hear the complete conversation or are they missing important bits?
    - Do they understand what is being said?

  • The customer appears confused
    - Do they know what is being discussed?
    - Do they ask unrelated questions?
    - Do they keep wandering off the point in the discussion and talking about irrelevancies or things that don’t make sense?
    - Do they keep repeating themselves?
    - Do they say ‘Yes’ in answer to a question when it is clear they haven’t listened or understood?

  • The customer taking a long time to get to the phone and sound flustered or out of breath, indicating they may have a lack of mobility due to age or illness

  • The customer taking a long time to answer questions. They say “My son/daughter/wife/husband deals with these things for me”

  • Where there is a language barrier the customer is vulnerable as they may not fully understand what is being said to them

  • The customer says that they don’t understand a previous phone conversation or recent correspondence

Our Principles

  • If any employees at Car Call are alerted to any of the above signs they will:

  • Speak clearly and enunciate

  • Set expectations for the call – outline all the information that will be required – account numbers, Personal details, etc – and how long the call is likely to last

  • Be patient / empathise

  • Not rush them – if they need to put the phone down to find any details

  • Guide the call to keep it ‘on topic’

  • Not assume they know what the customer needs

  • Clarify understanding at every point posing the question “is there anything you’d like me to explain?”

  • Offer alternatives to dealing with things by phone – i.e. by post or email

  • Not assume that the person they are talking to is sighted

  • Not assume that the person they are talking to can hear everything they are

  • Remember that vulnerable customers can sometimes be forgetful or overly trusting

  • Give the customer time to explain fully

  • Listen for what isn’t being said, not just what is

  • Ask if there is a better time to call – e.g. some people will function better in afternoons than mornings

  • Ask whether there is anyone else they need to talk to before making the decision

  • Record on the internal CRM system that the customer is ‘vulnerable’ to ensure all future communication with the customer is supportive and within our guidelines and recommendations

  • Record on the internal CRM system any preferred methods

External References Supporting this Policy

This policy has been written in conjunction with the following:

DMA (Direct Marketing Association) White Paper Guidelines for Call Centres dealing with vulnerable customers

Data Protection Act (DPA) 1998

Policy Review

This policy will be reviewed and updated annually in October each year and any amendments to the policy will be communicated to all employees across Car Call as well as being updated on the document portal on the internal intranet.

No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a comparable replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a comparable replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury