Q&A Your legal questions answered.

Send your questions to askdean@people.co.uk

This is not the only reason not to cancel your policy, as you also have a legal obligation.

That has been the case since 2011 when the law changed, requiring the vehicle to be insured rather than the driver. So even if the driver stops driving, the vehicle must still have cover.

The only exception is when the vehicle is kept on private land and you have declared it “off road” via a SORN notification.

Do not cancel a holiday booked for after June 2020

If your holiday is cancelled you will be entitled to a refund.

However, if you cancel the

QI HAD a shed delivered last week and two of the windows are missing. I informed the retailer and they agreed to send the windows to me. However, they say I won’t received these for three weeks due to the coronavirus lockdown. Can I claim compensation? Gavin Diamond RETAILERS have a duty under the Consumer Rights Act to provide the windows to you and must do so within a “reasonable amount of time”. They also have a duty not to inconvenience you. However, what’s “reasonable” in usual circumstances is very different to the climate we are now in. My view is that three weeks would be considered acceptable.

I MADE a Section 75 claim to my credit card provider. They rejected the claim saying that I

AQholiday yourself, it is not always so straightforward – generally, you will be bound by the holiday company’s terms and conditions.

In the present climate there is good reason to cancel holidays booked up to or during June, as we are currently in lockdown and the Foreign & Commonwealth Office FCO has advised against all non-essential travel.

However, despite the FCO advice, it is not totally clear what hadn’t contacted the retailer first. Can they do this? Louise March

THIS is very common. The card provider will want to know that you at the very least asked the retailer for a remedy before contacting them.

I WANT to issue legal proceedings but can’t yet as I’m waiting for one more piece of

AQthe position will be post-june. There is therefore a chance, maybe a slim chance, that holidays can proceed after this period.

This means holiday companies could argue there was no need for you to cancel, resulting in refund requests being denied.

Several readers have told me this has happened to them – and some have informed me that their travel insurer refused to cover them for post-june cancellations. evidence. My problem is, the sixyear limitation is about to expire. What can I do? Wendy Underwood YOU can issue what are known as protective proceedings. This is where you issue the claim form but not the particulars of claim, which is the document that describes your case.

DO I have to accept vouchers from an airline for a cancelled flight? Tina Graham

NO, the law makes very clear that passengers are entitled to a full cash refund when flights are cancelled, unless the passenger agrees to accept vouchers or a replacement flight.

CAN I make a chargeback claim for a cancelled hotel where the hotel refuses to refund me? Jennie Redwood

IF you paid with your debit card within the last 126 days, yes.

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