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  • FIRST POST
    • Diamond Orchid
    • By Diamond Orchid 12th Oct 16, 2:17 PM
    • 195Posts
    • 299Thanks
    Diamond Orchid
    Help with Petplan insurance after my mum died
    • #1
    • 12th Oct 16, 2:17 PM
    Help with Petplan insurance after my mum died 12th Oct 16 at 2:17 PM
    My mum had insurance for her cat with Petplan. I wrote to them to notify them that she died on 5th July.

    They wrote back saying that until I had probate they could not cancel the policy. They required proof I was dealing with her estate and a copy of the will.
    Meanwhile her cat has been rehomed.

    So they carried on taking the DD payments until I closed her accounts last month. They have now written to her!! and said as she hasn't paid they have cancelled the policy and will send no further communication.

    Surely they owe me the payments they took by DD after she died? How do I word this, is there a template to reclaim monies taken after someone's death?

    Seems bizarre Petplan needed probate to cancel a pet insurance policy, but I didn't need probate before I got the cash from my mum's bank accounts!

    I have probate now so can write to PP, but thought I'd ask here first. Thanks
Page 1
    • Keep pedalling
    • By Keep pedalling 12th Oct 16, 5:41 PM
    • 2,161 Posts
    • 2,285 Thanks
    Keep pedalling
    • #2
    • 12th Oct 16, 5:41 PM
    • #2
    • 12th Oct 16, 5:41 PM
    You really should have informed her bank immediately, who would have frozen her accounts so nothing could be taken out.

    You should be able to claim those payments back, so send that letter and see what response you get.
    • securityguy
    • By securityguy 12th Oct 16, 8:40 PM
    • 2,046 Posts
    • 3,288 Thanks
    securityguy
    • #3
    • 12th Oct 16, 8:40 PM
    • #3
    • 12th Oct 16, 8:40 PM
    "Surely they owe me the payments they took by DD after she died?"

    That depends on whether, in their eyes, the cat was on risk (ie, had the cat fallen ill, would they have paid?) If they would have paid the executors had the executors taken the cat to the vets, then the answer is "yes".
    • Diamond Orchid
    • By Diamond Orchid 13th Oct 16, 9:28 AM
    • 195 Posts
    • 299 Thanks
    Diamond Orchid
    • #4
    • 13th Oct 16, 9:28 AM
    • #4
    • 13th Oct 16, 9:28 AM
    You really should have informed her bank immediately, who would have frozen her accounts so nothing could be taken out.

    You should be able to claim those payments back, so send that letter and see what response you get.
    Originally posted by Keep pedalling
    It was a sudden and unexpected death, so it took me a couple of weeks to do this. Surely, in these cases, a human understanding should come into play.

    Also, I wasn't aware to start with that I could get her accounts frozen without either a will or probate, neither of which I had straight away.

    "Surely they owe me the payments they took by DD after she died?"

    That depends on whether, in their eyes, the cat was on risk (ie, had the cat fallen ill, would they have paid?) If they would have paid the executors had the executors taken the cat to the vets, then the answer is "yes".
    Originally posted by securityguy
    They were told that the policy needed to be cancelled as the cat had been rehomed. Surely it is up to me, as sole executor, whether I keep that cat on cover?

    I will write to them again now I have probate.
    • securityguy
    • By securityguy 13th Oct 16, 11:29 AM
    • 2,046 Posts
    • 3,288 Thanks
    securityguy
    • #5
    • 13th Oct 16, 11:29 AM
    • #5
    • 13th Oct 16, 11:29 AM
    "They were told that the policy needed to be cancelled as the cat had been rehomed. Surely it is up to me, as sole executor, whether I keep that cat on cover?"

    Yes, but it would be a bit bad if I could phone up an insurance company claiming to be the executor of some named individual and cancel their insurance, without some supporting documentation that I actually was an executor. . As to whether probate is the best proof of being an executor, that's a separate question, but one would hope for something rather more than the assurances of someone on the phone.
    • Yorkshireman99
    • By Yorkshireman99 13th Oct 16, 12:41 PM
    • 1,616 Posts
    • 1,367 Thanks
    Yorkshireman99
    • #6
    • 13th Oct 16, 12:41 PM
    • #6
    • 13th Oct 16, 12:41 PM
    It was a sudden and unexpected death, so it took me a couple of weeks to do this. Surely, in these cases, a human understanding should come into play.

    Also, I wasn't aware to start with that I could get her accounts frozen without either a will or probate, neither of which I had straight away.



    They were told that the policy needed to be cancelled as the cat had been rehomed. Surely it is up to me, as sole executor, whether I keep that cat on cover?

    I will write to them again now I have probate.
    Originally posted by Diamond Orchid
    Depending on the terms of the policy it may have legally lapsed when the policyholder died.
    • brewerdave
    • By brewerdave 14th Oct 16, 12:47 PM
    • 4,023 Posts
    • 1,602 Thanks
    brewerdave
    • #7
    • 14th Oct 16, 12:47 PM
    • #7
    • 14th Oct 16, 12:47 PM
    "They were told that the policy needed to be cancelled as the cat had been rehomed. Surely it is up to me, as sole executor, whether I keep that cat on cover?"

    Yes, but it would be a bit bad if I could phone up an insurance company claiming to be the executor of some named individual and cancel their insurance, without some supporting documentation that I actually was an executor. . As to whether probate is the best proof of being an executor, that's a separate question, but one would hope for something rather more than the assurances of someone on the phone.
    Originally posted by securityguy
    I cancelled a couple of insurance policies by phone when my mother passed away. They just asked for me to scan in the death cert. and send to them electronically.
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