Making a Claim under MPPI Cover

sweetnot13

Hi Folks

Forgive my ignorance if my application leaves something to be desired? But I have a question to ask.

I have been out of work for quite some time now and whilst I have had the time, I have been looking through my papers. I have discovered that I actually have an MPPI policy. Paid by means of a one-off payment up front.

Not used to being unemployed for anything other than a week or two - in forty years - being unemployed for so long has been a shock. Always thinking that next week - I will have a job again. Things are different just now and being the proud person that I am, only recently applied for JSA.
Which I now receive.

My query is simply this. Am I able to claim on this policy from the day I was unable to acquire work? Or am I only able to claim from the moment I started to receive JSA?

I am self employed. Get all my work through my own endeavours or through agencies. I am in the construction industry.

Thank you for your time and consideration. Any advise is most welcome.

Best Wishes

Sweetnot13

Fliss_M

hum. I would guess at JSA. BUT usually theres a waiting period anyway of 30days, am not sure if thats from the date of unemployment or JSA too.

opinions4u

It depends entirely upon the wording of the policy.

Different providers have different policies with different terms and conditions.

It will be interesting to see if they pay out at all based on your employment.

If they don't, you should look in to whether or not the policy has been appropriately sold to you.

rita13

Hi,
i have only just seen your post but would strongly advise that you check the terms and conditions of your mppi policy - my niece took out an mppi policy when we re-mortgaged the house and paid the premium in a lump sum which we were advised to do by a broker but because like you all her work was through an agency they have refused to pay her out. We put the matter into the hands of the financial ombudsman and he did no more than we could have done ourselves and after 13 months of chasing him up to deal with the problem they have finally come back to us saying they can do nothing further. Unfortunately we had no idea the insurance company could do this because there is nothing on their terms and conditions which prohibits agency workers from claiming. If you go into my threads site you will be able to read what we have done so far. We are now in the process of seeking legal advice to see whether we can either make them pay outon the policy or pay our premium back to us with interest.
Please let me know how you have got on so far - good luck.
In the meantime, if we find out anything else i will of course let you know.

dunstonh

We put the matter into the hands of the financial ombudsman and he did no more than we could have done ourselves and after 13 months of chasing him up to deal with the problem they have finally come back to us saying they can do nothing further.

Single premium PPI is ruled against the seller in about 90% of cases. Its an easy one to get shown as a mis-sale. Being an agency worker is a secondary issue which just cements the complaint.

I have contributed on your thread rita and its clear that you havent had an FOS ruling yet. You are awaiting an adjudicator to be allocated.

We are now in the process of seeking legal advice to see whether we can either make them pay outon the policy or pay our premium back to us with interest.

Problem with that is that its two different issues involving two different parties. The insurer is the party invovled if you question the claim. However, the insurer didnt sell the policy so has no liability over the sale The broker has that liability. So, its probable that if you take a two pronged approach that you are going to have to take two different parties to court and involve two lots of cost.

Stonky

It would seem I'm not the first to encounter this situation. But I too have been refused payout on my MPPI due to being employed by an agency. In my case it does state this is so in the small print in the policy. So hey not a leg to stand on. But who would know this? I certainly didn't. My policy was taken out on my remortgage with and by my mortgage provider when I was in full time employment by an employer rather than an agency. The work for the agency was exactly the same job I did for the employer, so who would know to have to consider reviewing this on their MPPI? I have spoken to both parties. (Ins Co and Mortgage provider) former said No due to being classed as a temporary worker. Latter has offered to refund my payments from the date I commenced with the agency. I'm stuck here unsure of what to consider next. It frustrates me that this isn't commonly known and if nothing else i'm pleased to be part of this community trying to enlighten others of our misdemeanours.:mad: I also have emailed the Employment Agency Standards (EAS) to see if the agency themselves should have divulged this information, to which they've very promtly replied it is not specifically covered by the legislation that they enforce. I feel victimised for finding 40 hours a week full time work promptly, after being made redundant due to the fact I chose to go with an agency because that was all I could find at the time.

rita13

Hi stonky,
like u my niece is really frustrated that she has done everything she should 2 secure the payment of the mortgage if she became unemployed but then found like u because she got off her backside and found work through an agency and then u get penalised. The ombudsman is a toothless dog because he hs spent 13 months on our case and did no more than we could have one ourselves - in our case there was nothing whatsoever on the terms and conditions to say they would not pay out to agency workers and the broker we also paid a lot of money to did not inform us of thiseven thouh he saw wage slips showing she was bein paid by and agency. We are now going to take legal advice to see if we can relaim the money paid to the broker/insurance company through the courts.
Will of course let everyone know what the outcome is.