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Claiming on a PPI

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Jo_R_2
Jo_R_2 Posts: 2,660 Forumite
Hi all, newbie posting!

I wanted to ask if anyone has experience of claiming on a PPI with their (unsecured) loan. We are expecting our second baby late June and with our first, I suffered severe postnatal illness, having to take a couple of extra months off work than originally planned, leaving us quite broke.

Thinking ahead and being a bit more on the ball at the mo, I have been looking through the finer points of my PPI to see if it should happen again with this baby (I sincerely hope not but have to be realistic) whether I could claim. The two main exclusions are mental disorders, unless diagnosed and having continued treatment by a Consultant Psychiatrist (last time I didn't see a psychiatrist but various other medical professionals in the psychiatric unit) and normal pregnancy and childbirth related conditions. This last one I think would be under which I could claim - I cannot imagine postnatal illness is a "normal" pregnancy/childbirth-related condition!

Has anyone claimed or had someone close claim for this or any other condition and what sort of proof might the comapny need? I am worried that should this happen I will be in no fit state to be sorting out anything like that.

Sorry if TMI! Thanks in advance.

Jo.
Dealing with my debts!
Currently overpaying Virgin cc -
balance Jan 2010 @ 1985.65
Now @ 703.63

Comments

  • Did you declare your post natal illness to the loan company when taking out the PPI?
    If not don't worry about this any longer as they will not pay up.(Pre conditions which you should have mentioned even if it does not afflict you now)
    I don't know of any PPI insurance that pays up with pregnancy claims anyway.
  • Very few may pay out under certain circumstances - always worth checking your full policy conditions (get another copy if you don't have these to hand), but the best thing to do is actually to talk to yor insurer.

    Being slightly pedentic here, but it is pre-existing conditions, not merely pre conditions, that insurers generally will not pay out for. Some insurers may pay out for something you've had before, but with a longer exception/deferred period.

    Talk to your insurer to be sure.

    Cheers

    BC
    Everyone needs something to believe in.

    I believe I need another beer.
  • Jo_R_2
    Jo_R_2 Posts: 2,660 Forumite
    Hiya

    I actually took out the loan with PPI not long before our first arrived so obviously then it wasn't a pre-existing condition but not thinking about it at the time I never looked into whether I could claim or not.

    I'm not sure where postnatal illness would stand tbh, I won't go into the various theories on it but I think I might do a bit of looking into it, I haven't found anything so far though.

    Thanks.
    Dealing with my debts!
    Currently overpaying Virgin cc -
    balance Jan 2010 @ 1985.65
    Now @ 703.63
  • Sorry to Hijack this thread

    My OH will be made redundant in a couple of months time, he has a loan with PPI, which we believe covers such an event. do I need to tell his insurers now, or wait until the deeed is done. He has had the policy since August last year
    Debt Free!!!
  • Sorry to Hijack this thread

    My OH will be made redundant in a couple of months time, he has a loan with PPI, which we believe covers such an event. do I need to tell his insurers now, or wait until the deeed is done. He has had the policy since August last year

    No point doing it now.
    As Job centre won't be able to confirm that your OH has signed on thereis no point.
  • Very few may pay out under certain circumstances - always worth checking your full policy conditions (get another copy if you don't have these to hand), but the best thing to do is actually to talk to yor insurer.

    Being slightly pedentic here, but it is pre-existing conditions, not merely pre conditions, that insurers generally will not pay out for. Some insurers may pay out for something you've had before, but with a longer exception/deferred period.

    Talk to your insurer to be sure.

    Cheers

    BC

    Are you sure of your facts here?
    You read in the papers all the time of companies not paying out because they had not declared a doctor's visit thinking it was irrelevant - but they use these clauses not to pay out.
  • Jo_R_2
    Jo_R_2 Posts: 2,660 Forumite
    I checked up on the policy and it seems that if I were to be diagnosed and treated by a psychiatrist I could claim. Only trouble is it isn't really a road I want to go down, seeing a psychiatrist basically means taking tablets and I'm not keen on that.

    The other factor is that after taking out the loan/PPI, I did have postnatal illness - I am now worrying that even though this was AFTER I took out the policy I might not be eligible because I didn't tell them about it.

    Ah well - fingers crossed everything will be fine and this is only a 'just-in-case' worry which I never have to act on.

    Thanks for advice guys.
    Dealing with my debts!
    Currently overpaying Virgin cc -
    balance Jan 2010 @ 1985.65
    Now @ 703.63
  • ejones999 wrote:
    Are you sure of your facts here?
    You read in the papers all the time of companies not paying out because they had not declared a doctor's visit thinking it was irrelevant - but they use these clauses not to pay out.

    No, I'm not sure of my facts, which is why I said some companies may pay out. I don't have the actual policy document in front of me! :D

    However, I do know that every company has subtly different terms (it's one of the areas the OFT is looking at currently) so I asked the OP to talk to her insurer to be sure. As it happens, she looked into it and found out that under certain circumstances she could claim (although on a personal level I can see why she may not want to get into that position).

    The key thing is that we should not judge insurers merely by what we read in the press - the insurer is going to be able to answer a customer's questions on their own policy far more readily than us!

    Cheers

    BC
    Everyone needs something to believe in.

    I believe I need another beer.
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