
Europcar chooses the law that suits it best to refuse a refund | Money
In June I booked a hire car with Europcar for a week’s holiday in France. I paid a higher rate which allowed me to cancel for a cash refund and phoned to confirm that this was what I was entitled to. However, when the government advised against travel to France, Europcar told me that under French law it was allowed to issue a credit note instead of a refund. It claimed that since the car was booked in France my contract was with its French counterpart, despite the fact the payment was taken in sterling and Europcar’s address on my credit card statement given as Watford. I think Europcar is choosing the law that suits it best.
JA, London
You have good reason to think that. I began by asking Europcar why customers who need to cancel a booking by phone are directed to a number that costs up to
As US population ages, private insurers reap more money from government-run Medicare
Private insurers are reaping a veritable windfall from the federal government’s heavy spending on the elderly — with demand from the COVID-19 pandemic leading to more robust offerings.

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Following a trend that has been growing in the past few years, both Cigna (CI) and United Health Group (UNH) announced expansions of their Medicare Advantage plans for 2021 — with Cigna expanding in 67 counties and UnitedHealth expanding in 300 counties.
In addition, Walmart (WMT) has joined in with its own insurance education services, in order to help seniors sign up for Medicare plans.
The two health insurance giants are expanding in an increasingly competitive market, dominated by players like Humana (HUM) and Centene (CNC). They are also seeing a swell of startups including Clover Health, Oscar and Bright Health.
According to Brian Evanko, Cigna’s president of Government Business, insurers are faced with a convergence of factors that include