On 10 July 2009, the FR completed its examination of the procedures and processes firms had in place to handle PPI claims. It did not focus on the sales process. The FR found that, in general, insurance companies carry out the claims handling process in an efficient and fair manner. Nonetheless, the FR has written to firms advising of improvements which could be made. In particular, firms should ensure that consumers are made aware at the point of sale that the policy may contain claims exclusions and that premiums for the policies are not necessarily fixed and may increase. The examination also found that some claims can be delayed by the failure of third parties to provide information in a timely manner. The FR has advised firms to make every effort to ensure that consumers are not disadvantaged by third party delays.