Consumers have no legal guarantee against the possibility of an insurance company rejecting a claim for non-disclosure, even when the undisclosed matter has no bearing whatsoever on the claim.

A merchant can not ask a consumer to pay any fees or shipping charges in order to be eligible to receive their legal guarantee.

The review described the system as a 'mish-mash' without any legal guarantees, in which patients wasted precious time fighting for services.

But ministers are facing demands for legal guarantees that bans on chlorinated chicken and hormone-treated beef will remain.

Legal guarantees, however, would have to wait until a final deal was reached.