Verzekeringen  

RCC 11 juni 2013, dossiernr. 2013/00211A (persoonlijke schademanager)
Terzijdelegging van de klacht. Humoristische wijze. Bevoegdheid. Afwijzing. Het betreft een televisiereclame. De uiting toont een automobiliste (Merel) die bij het wegrijden zowel met de voorkant als de achterkant van de auto ergens tegen aanrijdt. Hierdoor raakt de auto (een Mini) beschadigd. Vervolgens “scheurt” de vrouw door een smalle steeg en neemt zij op gevaarlijke wijze een bocht. Eenmaal tot stilstand gekomen pakt zij de telefoon. Intussen wordt gezegd: “Omdat we willen dat u na schade zorgeloos verder kunt, heeft Nationale Nederlanden verzekering nummer 2: Altijd één vaste, persoonlijke schademanager. En dat schept een band”. Merel belt haar persoonlijke schademanager (Joost) aan wie ze desgevraagd vertelt dat “alles” “heel goed” met haar gaat en vraagt of hij die avond iets te doen heeft. De slotbeelden tonen de Mini die bij avond geparkeerd wordt en de tekst: “Echt iets aan de hand? Neem contact op met ons of uw verzekeringsadviseur”.

De klacht - De reclame zet aan tot misdrijf, namelijk “dood c.q. zwaar lichamelijk letsel door verkeersovertredingen”. In dit geval wordt onverantwoord hard en zonder uitkijken een straat opgereden vanuit een steeg, even smal als de auto. Er is derhalve geen uitzicht. Bij dergelijk roekeloos rijden wordt de schade aan de eigen auto overigens niet vergoed. De reclame is dus ook nog in strijd met de waarheid.

De beslissing tot terzijdelegging van de klacht
De klacht is niet in behandeling genomen omdat deze, naar het oordeel van de voorzitter, niet tot een aanbeveling zal leiden. De voorzitter heeft daartoe onder meer overwogen dat van de commercial niet de boodschap uitgaat dat men de getoonde situaties zou moeten navolgen. Voorts is overwogen dat het feit dat bij de getoonde schadeoorzaken de schade niet zal worden vergoed, niet meebrengt dat de uiting in strijd is met de Nederlandse Reclame Code. Naar het oordeel van de voorzitter wordt op absurde wijze tot uitdrukking gebracht dat men bij adverteerder een persoonlijke schademanager toegewezen krijgt.

Klager verzoekt de Commissie de uiting te verbieden en indien zij daartoe bevoegd is, de adverteerder een boete op te leggen.

Het oordeel van de Commissie
In de bestreden commercial wordt gewezen op het voordeel dat een verzekerde in geval van “verzekering nummer 2” een beroep kan doen op zijn persoonlijke schademanager. Dat gebeurt op duidelijk humoristisch bedoelde wijze, en wel door een situatie te tonen waarbij de verzekerde met plezier haar persoonlijke schademanager benadert, niet zozeer omdat zij schade heeft, maar gelet op de persoon van de schademanager. Gesuggereerd wordt dat ze moedwillig schade wil veroorzaken. In de uiting is duidelijk sprake van een absurde situatie, ook waar het betreft de gevaarlijke manoeuvres van de automobiliste. De Commissie acht het niet aannemelijk dat de uiting kijkers, meer in het bijzonder jongeren, zal aanzetten tot navolging van het gedrag van de vrouw. Ten overvloede overweegt de Commissie dat zij niet bevoegd is adverteerder een boete op te leggen, in het geval zij de klacht gegrond zou hebben geacht.

De beslissing
De Commissie bevestigt de beslissing van de voorzitter en wijst de klacht af.

RCC 28 maart 2013, dossiernr. 2013/00159 (IZZ - verzekeringen)

Klacht toegewezen. Folder aan bestaande klanten is om te binden en heeft een zeker wervend karakter. Het hoogste aanvullend pakket fysiotherapie vergoedt volledig als het gaat om acute therapie, niet bij chronische therapie.

Uiting: Op de voorpagina van de folder van IZZ staan in een apart kader de “Belangrijkste vergoedingen aanvullende verzekeringen 2013”. Klacht: In de folder staat dat in het hoogste verzekeringspakket fysiotherapie volledig vergoed wordt. Klaagster heeft echter een rekening voor het eigen risico bij fysiotherapiebehandelingen ontvangen, blijkbaar omdat de therapie volgt op een operatie. Nu dit niet in de folder staat, is sprake van “foute reclame”.

De Commissie stelt voorop dat de bestreden uiting aangemerkt dient te worden als reclame in de zin van artikel 1 NRC. De folder bevat niet louter feitelijke informatie over de wijzigingen in de verzekeringspakketten in 2013, maar is kennelijk mede gericht op het aan zich binden van bestaande klanten en heeft daarom ook een zeker wervend karakter.

Op de voorpagina van de bestreden folder staat in het schema met de “belangrijkste vergoedingen aanvullende verzekeringen 2013” met betrekking tot de vergoeding van fysiotherapie  onder IZZ Zorg voor de Zorg Extra 3: “100%”. Als erkend is echter komen vast te staan dat fysiotherapie vanuit deze meest uitgebreide aanvullende verzekering alleen volledig wordt vergoed indien de behandeling wordt aangemerkt als ‘acute therapie’ en niet indien sprake is van ‘chronische therapie’. In het laatste geval vindt - vanaf de 21e behandeling - vergoeding plaats vanuit de basisverzekering, waarvoor een (verplicht) eigen risico geldt. Dit onderscheid tussen acute en chronische behandelingen betekent een belangrijke beperking van de in de folder absoluut gestelde mededeling dat de vergoeding voor fysiotherapie onder Zorg Extra 3 100% bedraagt, en betreft daarom voor de gemiddelde consument essentiële informatie. Dit geldt temeer nu ervan uit mag worden gegaan dat een volledige vergoeding van fysiotherapeutische behandelingen met name chronische patiënten zal aanspreken.
Om de gemiddelde consument in staat te stellen een geïnformeerd besluit te nemen over de aanvullende verzekeringen van IZZ, had in de folder duidelijk moeten worden gemaakt dat een volledige vergoeding van fysiotherapie vanuit pakket 3 alleen in bepaalde - als acuut aan te merken - gevallen plaatsvindt. Een algemene verwijzing naar de verzekeringsvoorwaarden aan het eind van de folder is onvoldoende om de consument op deze beperking attent te maken, nog daargelaten dat naar het oordeel van de Commissie uit de voorwaarden niet duidelijk blijkt waar een toelichting op het onderscheid tussen acute en chronische behandelingen en bijbehorende vergoedingen te vinden is.

RCC 29 maart 2012, dossiernr. 2012/00065 (Zorgverzekeraar, bijwerkingen)

In de uiting komt naar voren dat een vrouw weet van welke medicatie zij bijwerkingen krijg, zij mag zelf kiezen van de zorgverzekeraar welke medicijnen zij gebruikt. De klager heeft bezwaren tegen die als volgt kunnen worden samengevat:
- Bijwerkingen verhinderen niet per definitie daarnaast een goede werking.
- Gesuggereerd wordt dat er medicijnen bestaan die geen bijwerkingen hebben. Dit is niet het geval.
- Gesuggereerd wordt dat bijwerkingen per definitie nadelig of hinderlijk zijn. Ook dit is onjuist
- Tot slot wordt (ten onrechte) op angstgevoelens ingespeeld)

De RCC stelt - kort gezegd - dat de mededeling slechts ter illustratie dient van de keuzevrijheid bij deze zorgverzekeraar, er is geen sprake van misleiding noch appelleert de uiting aan angstgevoelens.

In de reclame worden twee voordelen genoemd die gelden voor mensen die zijn verzekerd bij zorgverzekeraar ONVZ, te weten dat men zelf keuzes mag maken met betrekking tot arts, ziekenhuis of medicijnen en dat deskundige zorgconsulenten haar klanten van advies kunnen voorzien. Als voorbeeld komt een vrouw aan het woord, kennelijk verzekerd bij ONVZ, die vertelt dat zij nu weet welk merk medicijn goed werkt en van welke medicijnen zij bijwerkingen krijgt. Zij vertelt dat ze om die reden blij is dat ze zelf mag kiezen. Duidelijk blijkt aldus dat de boodschap is dat men bij adverteerder keuzevrijheid heeft en zich daarbij kan laten adviseren door zorgconsulenten. De mededeling met betrekking tot de bijwerkingen dient slechts ter illustratie van dit laatste en heeft betrekking op de persoonlijke situatie van de vrouw die aan het woord is. Naar het oordeel van de Commissie wordt niet gesteld dat bijwerkingen in het algemeen een goede werking verhinderen of dat er medicijnen zouden bestaan die geen (nadelige of hinderlijke) bijwerkingen hebben.

Vz (toewijzing) RCC 5 december 2011, dossiernr. 2011/01067 (stoppen-met-rokenorganisatie)

Prostop hanteert een uiting die misleidend is, aldus klager. Zonder feitelijke grondslag wordt gesuggereerd dat de dreiging groot is dat stoppen met roken volgend jaar niet meer vanuit het collectieve basiszorgpakket wordt vergoed. Klager stelt dat de meeste vormen van gedragsbegeleiding ook in 2012 onderdeel van het basiszorgpakket blijven en dat uitsluitend ondersteunende medicijnen in 2012 niet langer vergoed worden. De voorzitter wijst de klacht toe op basis van 8.2 NRC, onduidelijke informatie en daardoor oneerlijk ex 7 NRC.

De uiting spreekt over, o.a. “Het lijkt erop dat de vergoeding voor hulp bij stoppen met roken met ingang van 2012 weer wordt geschrapt.” en “Op dit moment wordt begeleiding bij het stoppen met roken vergoed door iedere zorgverzekeraar, ongeacht uw maatschappij of polis. Daarom is het verstandig om op tijd een afspraak te maken en gebruik te maken van deze regeling voordat de zorgverzekeraars deze ondersteuning in 2012 niet meer dekken.”

De Voorzitter:

Aldus wordt naar het oordeel van de voorzitter in de reclame-uiting gesuggereerd dat vanuit de regering het voornemen is om met ingang van 2012 de vergoedingsregeling in verband met hulp bij stoppen met roken in zijn geheel te schrappen. Klager heeft echter gemotiveerd aangevoerd dat dit voornemen slechts geldt voor bepaalde onderdelen van de hulp bij het stoppen met roken. Adverteerder heeft klagers stelling niet, althans onvoldoende weersproken.

Gelet op het voorgaande is de in de uiting gewekte suggestie niet dan wel onvoldoende aannemelijk gemaakt en is de voorzitter van oordeel dat adverteerder onjuiste dan wel onduidelijke informatie verstrekt als bedoeld in artikel 8.2 van de Nederlandse Reclame Code (NRC). Voorts is de voorzitter van oordeel dat de gemiddelde consument hierdoor ertoe gebracht kan worden een besluit te nemen over een transactie, dat hij anders niet had genomen. Om die reden is de uiting misleidend en daardoor oneerlijk in de zin van artikel 7 NRC.

Vz.RCC 7 september 2011, Dossiernr. 2011/00730 (Ruitschade)

Reclamerecht. Gratis. Televisiecommercial over reparatie ruitschade: goed verzekerd, kost het je niets. Klager stelt dat reparatie niet gratis is, want zijn verzekeraar wilde hem hierdoor geen bonustreden geven.

Voorzitter: De voorzitter is van oordeel dat de klacht de Commissie geen aanleiding zal geven een aanbeveling te doen. Hij overweegt daartoe het volgende.
Uit de mededeling “(…) u bent goed verzekerd, kost u helemaal niets” blijkt dat de vraag of een reparatie niets kost, afhankelijk is van het feit of men “goed verzekerd” is. Aangezien, naar adverteerder stelt en ook voldoende aannemelijk is, niet bij iedere verzekeringsmaatschappij c.q. verzekeringspolis het laten uitvoeren van de in de uiting genoemde reparatie van invloed is op de hoogte van de premie die men bij verlenging van de verzekering moet betalen, acht de voorzitter de klacht ongegrond.

Op grond van het hierboven overwogene wijst de voorzitter de klacht af.

Lees de gehele uitspraak hier (link / pdf)

CvB 25 juni 2009, dossiernr. 2008/01226
RCC 13 maart 2009, dossiernr. 2008/01226A (deze samenvatting hieronder)
RCC 13 maart 2010, dossiernr. 2008/01226B

Uiting: ”Dit is Brigitte Bakker. Brigitte ontdekte vorige week een knobbeltje in haar borst. Over twee weken kon ze pas terecht in het ziekenhuis. Daar zag ze zo tegenop, dat ze Menzis belde om haar te helpen. En dat lukte. Morgen kan ze langskomen. Menzis heeft dan ook speciale afspraken met ziekenhuizen waardoor je in zo’n geval binnen drie werkdagen geholpen wordt. Want elk mens is er één. Juist de mens die onzeker is.”

Klaagster stelt dat de commercial misleidend en onjuist is, omdat daarin ten onrechte wordt gesuggereerd dat:
1) adverteerder patiënten naar een ziekenhuis kan verwijzen (alleen een huisarts of medisch specialist kan patiënten naar een ziekenhuis verwijzen),
2) verzekerden van adverteerder altijd de volgende dag in een ziekenhuis terecht kunnen (in dagelijkse praktijk is dit doorgaans niet mogelijk),
3) verzekerden van adverteerder een voorrangspositie hebben ten opzichte van verzekerden bij andere zorgverzekeraars.

Commissie wijst de klachten af, er worden geen onware statistische gegevens genoemd. College van Beroep bevestigd oordeel van de commissie en voegt toe dat het gaat om presentatie van een individueel geval, in de reclame wordt duidelijk een voorbeeld gegeven. Wachttijden zijn aan veranderingen onderhevig; geen aanvoering van statistieken of de beperkte houdbaarheid daarvan.

1. Gelet op enerzijds de verwijzing van IKNO in het beroepschrift naar de repliek en de pleitnota in eerste aanleg en anderzijds de toelichting van IKNO ter vergadering,  vat het College de grieven op in die zin dat deze zich richten tegen de volgende drie oordelen van de Commissie, neergelegd in onderdeel 8.6 van de beslissing van de Commissie:
- er wordt geen onjuiste of misleidende reclame gemaakt;
- er worden geen onware statistische gegevens genoemd en
- er wordt niet op zodanige wijze reclame gemaakt, dat wordt geappelleerd aan gevoelens van angst.
Deze grieven lenen zich voor gezamenlijke behandeling.
 
2. In de gewraakte uiting wordt de aandacht gevestigd op de mogelijkheid om, na het ontdekken van een knobbeltje in de borst, binnen 3 werkdagen een ziekenhuis te bezoeken, en wel via bemiddeling door Menzis. Tussen partijen is niet in geschil dat Menzis in zodanige bemiddeling voorziet.
Ter aanprijzing hiervan wordt in de gewraakte reclame aangeknoopt bij het individuele geval van “Brigitte Bakker”, die pas over twee weken terecht “kon” in het ziekenhuis. IKNO heeft niet weerspoken dat het voorkomt dat patiënten met een knobbeltje in de borst twee weken moeten wachten, voordat zij in het ziekenhuis terecht kunnen. Meer in het bijzonder heeft de Commissie geoordeeld dat er op dit moment nog een reële mogelijkheid bestaat dat een persoon met een knobbeltje in de borst veertien dagen moet wachten voor een eerste consult in het ziekenhuis en heeft IKNO dat oordeel in hoger beroep niet bestreden.
Niet kan worden geoordeeld dat in de uiting de suggestie besloten ligt dat een wachttijd van twee weken gebruikelijk of gemiddeld zou zijn. In de reclame wordt duidelijk een voorbeeld gegeven.
Gelet op het bovenstaande kan niet worden geoordeeld dat in de uiting onjuiste informatie wordt gegeven als bedoeld in artikel 8.2 NRC.
 
3. In grief III stelt IKNO dat in de reclame niet wordt gewezen op “de beperkte geldigheid van de gebruikte statistieken (gegevens over toegangstijd)” en dat “het gegeven” “dat de wachttijd al snel twee weken bedraagt”, sterk aan verandering onderhevig is.
Zoals hiervoor overwogen, betreft de in de uiting genoemde wachttijd van twee weken duidelijk een voorbeeld. Niet kan worden geoordeeld dat deze vermelding  duidt op het gebruik van statistieken. Reeds daarom kan grief III niet slagen.
 
4. Van de wijze waarop Menzis de kijker attendeert op de door haar gemaakte “speciale afspraken met ziekenhuizen”, waardoor men, in geval van een knobbeltje in de borst, binnen drie werkdagen in een ziekenhuis terecht kan, kan niet worden geoordeeld dat daardoor wordt geappelleerd aan gevoelens van angst. Zoals hiervoor overwogen, ligt in de uiting niet de suggestie besloten dat een wachttijd van twee weken gebruikelijk zou zijn. Afgezien van het ene, desbetreffende voorbeeld laat Menzis zich in de gewraakte reclame niet uit over de wachttijd zoals die geldt, wanneer men geen gebruik maakt  van de regeling van Menzis. In het midden blijft of anders dan via Menzis ook een kortere wachttijd kan worden gerealiseerd.
Aan het bovenstaande doet niet af dat de bewuste televisiereclame betrekking heeft op een onderwerp, het ontdekken van een knobbeltje in de borst, dat onmiskenbaar gevoelens van angst en/of onzekerheid kan veroorzaken.     

Ook de Advertising Standards Authorization, de RCC in Groot-Britannië, heeft een bundel uitspraken gepubliceerd. Categorieën variëren van vliegtuigmaatschappij, indoor karting, trein, foundation, beton, opticien, voedingscentrum, website, autobedrijf, korting op schoeisel, belasting terugbetaling, vacature, camera, autoradio ontgrendeling, teleshopping, homeopathische producten, iPod dock, gasleverancier, apparaat voor voetenmassage, retailer van vitaminen en voedingssupplementen, vergelijkingswebsite voor verzekeringen, autoverhuur, retailer van kledingcatalogus, opslagbedrijf, fietsaccessoire, anti-rimpel product, tosties, netwerk voor dieren, stofzuiger, energiemaatschappij, attractiepark, vacaturewebsite, telefoon en breedband provider, speeltenten voor kinderen, reisgeld service, metaalrecycling service, cursus autorijden, reiki, drogist, vliegticket, recruitmentbureau, paardenshampoo en zonnepanelen.

Zie plaatje hieronder (klik voor vergroting), klik voor de directe site hier

Ryanair Ltd
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ScotKart Cambuslang
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Southern Railway Company Ltd
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L'Oreal (UK) Ltd
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L'Oreal (UK) Ltd
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Nottingham Ready Mix Ltd
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Specsavers Hearcare Ltd
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The International Centre for Nutritional Excellence Ltd
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the-social-media-people-scam.co.uk
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Titanium Motors
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Sportsdirect.com Retail Ltd
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Taxback Republic
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The Emergency Services Media Department Ltd
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Camerabox Ltd
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Car Radio Unlocking
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Coloured Rocks Ltd
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Ainsworths (London) Ltd
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Avland Ltd
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British Gas Services Ltd
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Comfort Click Ltd
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Holland & Barrett Retail Ltd
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Inspop.com Ltd
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Last Minute Network Ltd
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Damartex UK Ltd
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David Roberts
Two price comparison claims, on The Big Space's website, on 21 April 2011, compared the cost of storage at The Big Space with its competitor Flexistore Ltd. In respect of four boxes for four weeks, using the "instant quote" facility on the website, text stated "The total for your storage would be £16.00 ... Here are our competitors' prices ... Flexistore (Edinburgh) £169.00 ... ". In respect of nine boxes for 18 weeks, using the "instant quote" facility on the...

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Radialabsdirect.net
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A TV ad for Shazan's Paratha Toasties featured various shots of the products.

Network for Animals Ltd
A direct mailing, for donations to help dogs rescued from the dog trade in the Philippines, received in February 2011, included a number of pictures of adults and children with dogs. Text underneath stated "Having been saved from their captors they are immediately taken to have their injuries assessed, medication prescribed and when they are fit and healthy they will all be spayed/neutered. Then begins the lengthy period of nursing them back to health where through the patient...

Panasonic UK Ltd
a. A press ad pictured a woman pushing a vacuum cleaner and was headlined “UNRIVALLED SUCTION, MAXIMUM EFFICIENCY. WE’VE REALLY CLEANED UP”. Text stated “The Panasonic UL594 is part of a new range of vacuum cleaners that have Eco ideas at their heart. Featuring our unique Eco-Max motor, it uses energy more efficiently to deliver unrivalled suction power for an upright bagless vacuum - making cleaning effortless. As part of a new generation of home appliances from Panasonic, it...

Spark Energy Ltd
Claims made on an energy company's own website, accessed in early April 2011.

Thorpe Park Operations Ltd
A TV ad, for a new ride at Thorpe Park, featured two cleaners at work. One was shown mopping the floor while the other stood on a floor-buffing machine as it turned. The voice-over stated "Errrr, what is this? A spinning fool? Well my friend, for thrills, get a load of these". The ad showed images of a roller coaster-style ride followed by images of the man on the machine spinning at an increased pace. The voice-over continued "Yeah, you're spinning faster, but without...

Totaljobs Group Ltd
A claim on the Totaljobs website on 10 March 2011 stated “94,618 jobs from 4,743 companies across the UK”.

TalkTalk Telecom Ltd
A TV ad for a phone and broadband provider featured a voice-over accompanied by changing on-screen text. The voice-over stated "Would you like to save over 140 pounds a year on your calls and broadband? Well, it couldn't be easier." On-screen text stated "SAVE OVER £140". Small print at the bottom of the screen stated "TT Essentials package. 40GB download limit. Connection £29.99. £12.30 monthly line rental. 18-mnth min contract. Conditions apply. Direct...

The Win Green Trading Company Ltd
A catalogue, for children’s play tents, viewed on 13 April 2011. The ad featured a photograph which showed two children playing with the Fire Station tent. The picture included a real fire that one child was pretending to extinguish.

Marks and Spencer Financial Services plc
A press ad for a travel money service was headlined "Wherever you're off to, we've got your currency". Further text included "with no hidden charges, and 0% commission on foreign currency”.

Dalton Group Ltd
A poster for a metal recycling service, which was seen on the side of a lorry on 14 April 2011, featured an image of a woman who was kneeling on the floor with her back to the camera. She was wearing a pair of low-slung jeans that exposed the top of her bottom and her torso was covered only by a pair of braces.

Easy as HGV Ltd
Claims on Easy as HGV's website on 25 March stated "With an LGV driving licence, you will be fully equipped to begin a new and flexible career” and “Easy As HGV have made HGV Training a very simple process, by arranging EVERYTHING from start to finish and it can be done in no time at all". In a list of bullets points describing the training course, the website stated "“Excellent pay - earn up to 30k a year!”. “Very high demand for qualified drivers,” and “Begin your 5...

Allan Sweeney
Claims that appeared on 29 March 2011 on reiki-healing.com stated under the sub heading THERAPY AND LEARNING "Heaven-by-the-Sea offers complementary therapies that complement doctors. In GP's surgeries, 71% of chronic patients the doctor could not help were helped by the complementary therapist! So there is a good chance one of our wide range of therapies may also help you! Therapies can be received as a patient or studied as a student. Effective therapies offered include for...

Boots UK Ltd
An online sales promotion on Boots’ website stated “3 for 2 across all vitamins, complementary medicines and herbal products”. The promotion included the following products and claims: "Metatone Original Flavour Tonic - 500ml ... Metatone Tonic Original Flavour helps restore Health & Vitality after illness such as colds and flus, and when you are feeling tired and run down". "Potters Allerclear - 84 Tablets ... Potter's Allerclear Tablets contain a unique...

Flying Eagles Ltd
A website listing seen in March 2011 stated “437 RTincl.taxesPhoneonly deal. London (LHR) to Singapore (SIN), Check specific date availability with partner. Depart between 24 Apr 11 - 30 Jun 11, check return dates with partner. Genie Flights Phone only deal”.

International Hospitality Recruitment
Claims on a hospitality recruitment agency website which appeared in April 2011 stated "IHR [International Hospitality Recruitment] team has over 50 years of Hospitality, Catering and Leisure industry experience internationally. Combined team experience in the hospitality recruitment industry is over 10 years."

LCT Medical Ltd
A TV ad seen in March 2011 promoted a horse shampoo. The presenter stood in front of a horse that was being shampooed and stated "Cleanround can keep your horse healthy. It kills bacteria, fungi and viruses, including strangles." On-screen text stated "Kills Strangles & Ringworm".

Green Sun Ltd
A magazine ad for solar panels, in January 2011, was headlined "NOW you can PROFIT from your energy bills with SOLAR P.V. The BEST INVESTMENT for your home that you'll ever make!". Text underneath stated "A typical domestic SOLAR P.V. system from Green Sun could - ... ADD UP TO 10% TO THE VALUE OF YOUR PROPERTY Installing a Green Sun Solar PV system could also increase the value of your home ... PROTECT YOURSELF FROM EVER RISING ENERGY COSTS There is less need to worry...

HGV Training Nationwide
a. A sponsored link on Google stated “HGV & LGV Training Prices - We Find The Best Price Guaranteed Compare training prices now! [website]”. b. The website offering to compare training courses stated “We will find the very best package that takes all your needs into consideration such as budget, whether you need help with finance, distance you are prepared to travel and any other factors that need considering when choosing whom to do your training with. We work alongside some...

Ook de Advertising Standards Authorization, de RCC in Groot-Britannië, heeft een bundel uitspraken gepubliceerd. Categorieën variëren van holistische zorg, prijsvraag bij bier, evenementenwervingbureau, vrouwencentrum, shampoo, fotocamera, Groupon, verhuizersgilde, autobedrijf, telefoonabonnement, slotenmaker, bedrijf wat advertentieruimte aanbiedt, keukenproducten, download service voor spelletjes op mobiel, brandstofbesparend product, supermarkt, dieetprogramma, vliegmaatschappij, anti-rimpel crème, marketing website, Virgin Media, website voor domeinnamen, oplossing tegen stotteren, garage, vergelijking van financiële producten, biologische boerderij.

Zie plaatje hieronder (klik voor vergroting), klik voor de directe site hier

Organic Trade Board
A magazine ad for organic farming that featured a man and his son dressed in a pantomime cow costume was headlined "We love organic because we care about animals". Text beneath quoted the man featured in the ad and said "I like to see myself as the brains of this outfit, even if my son doesn't agree! But when he told me about organic, well, I never looked back. Organic means fewer drugs or antibiotics, it also means better conditions for animals so they get to thrive and grow more naturally....

Moneysupermarket.com Ltd
Website and email for a financial products comparison service: a. The website included the text "“EXCLUSIVE CREDIT CARDS...Because we’re Britain’s No. 1 comparison site we have been able to negotiate great exclusive deals especially for moneysupermarket.com customers. Use our free, independent comparison to find the best offers you can’t find elsewhere.” On the page for all UK credit cards, the “Smart Search” feature was offered as an “Exclusive service” and stated “Get approved first time....

Lawrence of Kemnay Ltd
A regional press ad, for a car dealership, appeared on 3 March 2011. It was headlined “CUSTOMER SAVING £3400” and included an image of a car. Further text stated “new model fordfiesta edge 1.25 (60PS) 3-dr New on the road price £12,395 Our on the road price £8,995 HURRY - limited number available for immediate delivery on ‘11’ reg ... ”.

Stammering Cure
A website, on 5 April 2011, with the url www.stammeringcure.org. Text stated "... Discover how to stop stuttering with stammering cure that works ... You can Click Here Now to check out one thing that really helped me with my stammer ...". A number of hyperlinks on the website led to www.killyourstutter.com, a site which advertised a product that claimed to cure a stutter.

Webfusion Ltd
A website for domain names gave prices for various types of domain names including ".co.uk £2.99 a year". Text at the bottom of the home page stated "All prices Ex. VAT".

Virgin Media Ltd
a. A national press ad for Virgin Media seen in September and October 2010 stated "Fibre optic broadband £15 a month - It's official, Ofcom have proven our fibre optic broadband is around twice as fast as BT, Sky and Talk Talk's comparable packages, even at peak times†". The cross sign was linked to footnote text which stated "Source: Ofcom, July 2010. Virgin Media up to 10Mb broadband compared to competitors 8Mb or 10Mb broadband". b. A second national press ad also seen in September and...

Suntek Group
A marketer's own website, accessed on 16 April, stated "The best things in life are free ... like FREE SHIPPING! In addition to our recent storewide price reduction, we are now offering worldwide free shipping for all items and on all orders! No minimum purchase requirements!"

kgb (UK) Ltd
A sales promotion, on the kgb website, viewed on 28 March 2011. Text stated “£26 for a two-month supply of Acai Anti-Wrinkle Capsules worth £99.98 from i want to pay less - save 74%"

bmibaby Ltd
A promotional e-mail and a website for an airline promotion offering discounts on flights: a. The email ad stated "Gotta fly, baby! Up to 40% off ALL flights!" b. The website also stated "Up to 40% off ALL flights!". Terms and conditions at the bottom of the next page, after clicking on the promotion, stated "Offers available until Tuesday 22nd March. Up to 40% off applies to the airfare only and excludes airport taxes and charges".

Alegiance Services Ltd
An ad for a diet programme on the website www.dailyhealthalerts.com stated “Acai berries are the latest weight loss fad ... While there are ton’s [sic] of Acai berry ads online, Acai Diet Plus is one of the most credible and trustworthy suppliers on the market. It included the free* trial of the product and it did not try to fool me into agreeing to additional hidden offers”. Additional text featured in a customer testimonial stated "I couldn‘t be any happier with the results. I Lost 6 kgs in...

Aldi Stores Ltd
An e-mail, for Aldi supermarket, had the subject heading "Try the Aldi challenge today". The body of the e-mail had the headline "Try the Aldi challenge today and see how much you can save!". Below were two images, one showing 13 premium brand products with the text "Other supermarkets £13.92", and next to it the second featuring 13 equivalent Aldi products and the text "Your Aldi store ONLY £7.53". Text between the two images stated "SWAP &...

Global Gateway AS
Claims on the VIABTOR website, for a fuel saving device, stated "VIABTOR FOR GLOBAL ECOLOGY AND PRIVATE ECONOMY ... DRIVE CHEAPER AND MORE ECO FRIENDLY ... By using the VIABTOR you can contribute to solving the huge problems the world is facing today: climate changes, pollution and CO2 emissions ... Comprehensive tests show that from the moment the VIABTOR is fitted the car becomes more fuel efficient and produces less pollution ... GET A VIABTOR FOR YOUR CAR AND SAVE THE ENVIRONMENT AND YOUR...

Jesta Digital GmbH
A TV ad for a mobile phone game download service, broadcast in April 2011, featured a voice-over which stated "Get this SMS spy app on your mobile and subscribe for £4.50 per week! Fool your friends and pretend that you read other people's text messages. Just enter the phone number of your victim and spy his SMS box. Send 'Spy' to XXXXX. This fun app can hack into your friend's mobiles and give you all their incoming and very private SMS messages. So try it! Just text 'Spy' to XX XXX. That’s...

Jean Patrique Cookware Ltd
Two promotional e-mails, for kitchenware products, included an image of electronic salt and pepper mills: a. The first ad was sent on 3 March 2011 and had the subject heading “Electronic Salt and Pepper Mills only 1.99 GBP RRP 49.99 GBP”. The e-mail was headlined “ELECTRONIC SALT & PEPPER MILLS RRP £49.99 You SAVE £48 per Pair. Text below stated “This is an Incredible OFFER ! ...HURRY UP ! Attention: Offer only valid while stocks last!” and showed “£49.99” crossed out; “ONLY £1.99”...

Hansa Media Ltd
A mailing, dated 07/03/2011, from a company selling advertising space stated "Your business details will appear on www.searchforcompanies.co.uk”. It was laid out in tabular format with the headings "Unit", "Quantity", "Price per month" and “Total amount". It also provided a customer number, web pin number and a payment date. It also provided bank transfer and cheque details for payment. Text at the foot of the mailing stated "This document is not a demand for payment. It is an invitation to...

Lock-Serv
Claims on the Salisbury Locksmiths 24-7 website on 5 March 2011 included “Locksmith Salisbury Locksmiths In Salisbury 24 Hour Locksmith Salisbury No Callout Charges In Salisbury Local Locksmith In Salisbury ... Salisbury Locksmiths 24-7 originally started off in Salisbury in 2006 ... We have a large coverage of highly skilled locksmiths in Salisbury ... Salisbury Locksmiths 24-7 can be at your door within 30 Minutes of your call day or night ... ”.

Hutchison 3G UK Ltd
Claims on Three's website, viewed on 27 March 2011, stated "No other network gives you more for £10. More minutes, texts, and internet You get a great value package when you convert £10 of credit into our All in One 10 Add-on. See the table below to find out how we compare to these other high-street operators". The table compared Three's package to those of Orange, T-Mobile, Tesco, Virgin, Asda, Vodafone and O2.

Midland Van Conversions
Claims on a website for a van conversion company, in April 2011, stated "Based in the heart of England, Midland van conversions have over 40 years experience within the motortrade and specialise in the conversions of all makes of panel van". The 'Gallery' section of the website featured photos of different van conversions.

National Guild of Removers Storers
Text on the National Guild of Removers & Storers website stated "No other organisation or firm comes close to matching The Guild and its Members when it comes to consumer protection measures".

MyCityDeal Ltd
Two e-mails for Groupon deal of the day coupons: a. One e-mail, sent on 15 February, stated "£98 for £1650 towards Invisalign Teeth-Bracing Technology and Whitening at Q Clinic. View now For £98,00 [sic] Discount 94% Saving £1552,00 [sic]". Underneath, below the heading "Highlights" text stated "£1650 discount on the full price (usually £3,500)" and text under the heading "Fine Print" stated "Holder must pay remaining balance". b. The second e-mail, sent on 5 March, stated "Today's Extra...

DSG Retail Ltd
An electronics website advertising the NIKON Coolpix S8000 Compact Digital Camera listed the price as £119.97 and stated "Save a total of £130.02". When clicking the ad, on 30/03/2011, a second page loaded which informed consumers that the product was not available and recommended an alternative camera.

Alberto-Culver Company (UK) Ltd
a. A press ad was headed "10x stronger after just one use* Naturally". The body copy stated "With fewer sulphates and silicone free conditioning, new TRESemme Naturals won't dry out or weigh down your hair. With natural extracts of avocado, sweet orange and aloe vera, it helps to hydrate and smooth. Giving you hair that's 10X stronger after only one use. Get salon performance naturally, at a price that feels right". Text at the bottom of the ad stated "*TRESemme Naturals Shampoo and...

Albany Womens Centre
A company listing on Yell.com, for a pregnancy advice service, appeared under a search listing for 'Abortion Clinics'. The ad stated "Albany Women's Centre [address]. Considering Abortion? Free Pregnancy Testing Information & Advisory Service Quick & Confidential Morning After? Polish And Spanish Spoken".

Alfa Agency
Two online ads for an events recruitment company: a. The first ad, on the FRIDAY-AD website on 7 April 2011, was headlined "Alfa Agency Pr Events staff Models required work available ...". Text underneath stated "Alfa Agency Pr events staff Models required work available right now. Events/promotional staff/Models required for events. If you have any experience in these areas and wish to earn good rates, please email us with your CV and a photograph ... Currently we have positions to fill for...

Carlsberg UK Ltd
A prize promotion, on packs of Carlsberg, in January 2011, stated “Main Competition 2. There are 14 main prizes to be won in total. One prize will be won every week for the duration of the promotion. Each main prize consists of a 47 inch LG 3D TV, a Sky+HD box, a years subscription to Sky World and Sky+HD, and four pairs of 3D glasses. Everyone who buys a promotional pack will also be eligible to send off for a free pair of Carlsberg pint glasses ... All entries must be received by 7th...

Anette Poths
A website on 25 April 2011, for Anette Poths holistic family care, stated "Reflexology is deeply relaxing, aids elimination of toxins, improves circulation and digestion, increases energy levels and promotes mental and emotional well-being".

De Advertising Standards Authority for Ireland, de RCC in Ierland, heeft een bundel uitspraken gepubliceerd. Categorieën variëren van telefoonabonnementen, bier, zorgverzekeringen, bookmaker, netwerkaanbieder, resort, pakketdienst, reiki beoefenaar, centrum voor afvallen, auto, online in- en verkoop, tentoonstelling, onderhoud auto, autoverzekering, energieleverancier, auto verkoop.

Zie plaatje hieronder (klik voor vergroting), klik voor de directe site hier

Paddy Power
A leaflet handed out at the Ireland V England rugby match in the Aviva Stadium stated
“Treble The Odds
Open a new phone account. bet €50 and we’ll TREBLE the odds for you! That’s €50 at...

Diageo
An outdoor poster campaign featured a frosted glass of Budweiser Ice Cold beside a frosted Budweiser bar tap. One of the captions stated “Budweiser ICE COLD. THE COLDEST PINT EVER. CHILLED BELOW ZERO.”

VHI Healthcare
The announcer stated the following:
“Vhi Healthcare is still the cheapest for couples and the cheapest for families, which means great quality healthcare at the best prices. As we’re the only not-for-profit health insurer in Ireland, your care is our only priority. Switch to us now on 1850 44 44 44 or compare and save at vhi.ie. Vhi Healthcare. When you need us we’re there.

Harrington Bookmakers
A leaflet for Harrington Bookmakers was headlined “The Punters No.1 Choice Bookmaker”.

Meteor
The poster advertisement featured various android and smart phones. The bottom left of the advertisement included a claim of “99% Population coverage.”

Delphi Mountain Resort
A brochure for Delphi Mountain Resort featured various special offers including “Unforgettable Family Holidays €999 per family” and “Easter Family Fun From only €259”. Both offers were accompanied by a photo of two children wearing life jackets and an adult with no jacket boating in a lake/river scenario.

Vodafone
Press 1.
The advertisement featured an “I love you” sign and stated “Love your smartphone without the long term contract. Switch to Vodafone. Unlimited free Vodafone calls & texts. Switch to Simply Plus from Vodafone. For just €40 a month you get loads of calls & texts to any network, plus lots of data. So now you can love your Smartphone and your network. Offer ends 30th April.”

City Post
The advertisement was set in a board room scenario with staff members in a meeting and one of them, Sean, was presenting to the meeting:

Abby Wynne
The website was for a reiki practitioner and it claimed that reiki “boosts your body’s natural immune system” and “many people have described how Reiki has helped them recover from life threatening illnesses, severe stress, chronic pain and even cancer. Studies have shown that Reiki helps people recover from surgery much faster than people who have not had Reiki.”

Keith Anthony Weight Loss Centres
A poster advertisement featured a client of Keith Anthony Weight Loss Centres and showed a before photograph of the client also alongside the caption “I’ve lost 4 stone 3lbs in 14 weeks.” The headline stated “Strictly no bars, no sachets, no supplements, no gimmicks.” The advertisement provided a web address and further contact details for the weight loss centres.

Renault
The advertisement featured four men whispering the words of the song I love Rock ‘N Roll while driving with a baby in the back seat. They pulled up to the side of the road to drop the baby with the mother and then continued on driving while singing at the top of their voice. It appeared the men were driving to a sporting event.

VHI Healthcare
Radio - VHI Cheapest For Couples & Families
VO: VHI Healthcare is still the cheapest for couples and the cheapest for families which means great quality healthcare at the best prices. As for the only not for profit health insurer in Ireland, your care is our only priority. Switch to us now on 1850 444444 or compare and save at vhi.ie. VHI healthcare, when you need us we’re there. Savings based on VHI one plus plan versus Quinn essential plus excess and Aviva I&We level 2 excess. Terms and conditions apply.

Heineken Ireland
The scene opened with a male passenger in a train compartment with a bottle of Heineken and the train pulling into a station. He placed a beer mat on top of the bottle and headed outside to buy a paper. On his return, he encountered a couple, in what he believed to be his compartment and the woman was sitting sipping a Heineken.

Deal Solo
The radio advertisement featured a female voice over who said “Buying Selling DealSolo.ie”. A child’s voice then said “It’s feckin’ great. The word feckin’ had been partially beeped out.

MCD Promotions
Press
“The Pharaoh has arrived! …. Tutankhamun. His tomb and his treasures. A major exhibition of the international archaeological sensation. The spectacular reconstruction of the pharaoh’s tomb and treasures. RDS, Dublin. Venue box office open daily from 10am – 7pm.”

VHI Healthcare
Press
The headline caption stated “Vhi Healthcare Cheapest for Individuals, Couples and Families.” Below it stated “As we are the only not for profit health insurer in Ireland, your care is our only priority. Compare our prices and then switch to us on 1850 44 44 44 or visit vhi.ie.” A table below compared the Vhi One Plus Plan for Families, Couples and the Vhi One Plan for Individuals with a comparable plan from Aviva and Quinn. It showed that in the examples quoted, VHI was cheaper that its competitors.” The footnote stated “Terms and conditions apply. Savings correct at time of going to print.”

Audi Ireland
A promotion for an Audi Service with Audi South Dublin Service Centre offered “Seasonal service offers from only €119.99. Full Service from only €189.99. Brake fluid change from only €79.99” and “Air Conditioning service from only €99.99.”

No Nonsense Insurance
The advertisement featured three plastic dolls dressed as insurance workers, and they were sitting around the canteen table talking about car insurance:
FVO (Woman): “And he says… is there anything you can do on the price… and I says… of course there is now Michael have you considered the sex change...what says he?...a sex change… says I ... taking a spanner and making a few adjustments because if you’re to come back a woman say in ten years, we’ve great deals for the mature lady driver.”

Airtricity
The advertisement showed various everyday life scenarios that were powered by Airtricity energy. This included imagery of a sports stadium lit up at night, a hospital ward, the luas, a couple out walking late at night under street lighting and a mother and daughter at bedtime.

eircom
TV
The television advertisement featured babushka dolls and the voice over stated the following:
“There is something very different about the eircom bundle. You still get up to 8mb next generation broadband, you still get unlimited local and national calls and you still get 30 minutes to any mobile network. The only difference is the new small price just €39.99 a month. To switch today call 1800 350 303 or visit eircom.net”

Car Buyers Guide
An advertisement for the Car Buyers Guide featured a couple who were selling their car on the advertisers’ website. The advertisement began with the girl in hot pants and cropped top draped over a car using the automatic feature on a camera to take pictures of herself. Next she was shown uploading the photographs to the advertisers’ website and explaining to her partner that she took some photographs of his car and uploaded them to sell the car. When showing him the photographs she said “I reckon these might sell it.”

Ook de Advertising Standards Authorization, de RCC in Groot-Britannië, heeft een bundel uitspraken gepubliceerd. Categorieën variëren van een projector, bonus bij open rekening, auto, verwarming- en verkoelingssystemen, schoenen, zonnebril, systeem om te wedden, Autoglass, dienst die tanden bleekt, frankeersysteem, inboedelverzekering en kookboek.

Zie plaatje hieronder (klik voor vergroting), klik voor de directe site hier

Planet Distributions Ltd
An ad that appeared on the website for Right Projectors on 10 and 14 March 2011 showed a photograph and product information for the Technic HD500 projector. Text stated "Qty Remaining: 1;" "SPECIAL OFFER ENDS THURSDAY 17TH MARCH" AND "GUARANTEED NEXT DAY DELIVERY!"

Petfre (Gibraltar) Ltd
A promotion, viewed on Betfred's website on 16 March 2011, stated "£5 FREE NO-DEPOSIT BONUS". Further text headed "How to Claim your £5 free chips" stated "In order to claim the exclusive welcome offer, just follow these easy steps: 1. Open a Real Money account. 2. Your £5 bonus will be credited within 48 hours of opening your account. 3. Log-in to the download Betfred Casino within 72 hours of receiving the email notification to get your bonus, as it will otherwise expire. 4. Once logged-in...

Mazda Motors (UK) Ltd
A TV ad for a car company, broadcast in April 2011, featured the Executive Officer of Mazda speaking in Japanese. On-screen text, which translated the spoken words, stated "The Hiroshima spirit is strong at Mazda. When faced with a challenge, we set out to overcome it. For example, only Mazda made a success out of the rotary engine. To prove how good this engine was, we entered it into the Le Mans 24 hour race. And we won. The Hiroshima spirit is to never give up, to pursue excellence. To...

Sabien Technology Ltd
A website video for an intelligent control system for commercial heating and cooling systems showed how these systems operated with and without the intelligent control system.

Reebok Sports Ltd
The front cover of a leaflet, for Reebok Reezig ZigTech trainers, showed a picture of Lewis Hamilton holding a ZigTech trainer. Text stated "THE ENERGY DRINK FOR YOUR FEET". On the inside, text stated "Feel the shoe with the energy boost, its unique sole propels you forward, while reducing wear and tear by up to 20% on key leg muscles". On the back of the leaflet text stated "ZigTech Apparel is engineered with Celliant fibres. Celliant fibres take energy emitted...

RayBanShop.UK.com
The website homepage for Ray-BanShop UK, seen on 25 March 2011, stated “100% Authentic, money back and satisfaction guaranteed”.

Betting Scalper
A website for a company selling information about a betting system stated "Here's How to Turn the ONLY Unfair Advantage Left in Betting Into Profits Of £109,148.69 Or More Every Month". It also featured a screen shot of the apparent author’s bank account showing a cleared balance of £82,648. Text also stated “And I’m not the Only One With These Incredible Results From Betting Scalper - Check Out Just a Few Screenshots I’ve Recieved (sic) From Friends I’ve Shared This With!” Below this text...

Belron UK Ltd
A radio ad, and a TV ad, for Autoglass, both broadcast in March 2011: a. The radio ad said "If you have a chip in your windscreen, make just one call direct to Autoglass. There's no need to call your insurer. We can usually repair that chip for free if you're fully comp and it won’t even affect your no-claims bonus ...”. b. The TV ad stated "In these tough times, if you ignore a chip, you could end up paying your insurance excess. One call to Autoglass and we can usually repair it...

AllWhite3000 Ltd
Claims on AllWhite3000's website, for a tooth whitening service, included "Tests prove that, after whitening with Allwhite3000, teeth score from 5 to 14 points higher on the Vita scale ... This technique whitens your teeth right away and has no side effects. The result is 80% better than home whitening products and 40% better than comparable laser technologies ... Years of experience in laser technology and treating thousands of satisfied customers explains why people, including...

Franking Machine Company Supplies Ltd
A claim on a website for Franking Machine Company Supplies Ltd stated "FMC save up to 28% by switching to franking!".

Direct Line Group Ltd
A TV ad (a) and a banner ad on the Direct Line website (b), which were seen on 3 March 2011, promoted home insurance. a. The TV ad featured a representative of the company who said "So, say this is the price of your current home insurance. We promise we can beat that price." A voice-over and on-screen text stated "We promise to beat the price of your current home insurance". Additional on-screen text stated "Minimum 12 months + with current home insurer. Minimum...

Blakefield LLP
A national press ad, for “The Nostalgic Cookbook", published on 5 March 2011, was headed "Try My Heavenly Chocolate Pudding ..." and described some of the recipes contained in the book. On the right-hand side of the page, text inside a circle above an order form stated "PLUS 3 FREE BONUS GIFTS!". On the order form, under the heading "FREE GIFT 2", text stated " 'Old Fashioned Cleaning Tips' - My granny was a proud woman and would pride herself on having a clean kitchen and a gleaming parlour...