home insurance problems

judy_1

thanks for all the help , i did not remember the claim until the woman told me about it, however i have recieved a letter from the insurance company today saying that they are going to void my policy from its inception date that i am entitled to a refund of payment s made and that they will not condider the claim fo rmy braclet that i have lost that i should cancel my direct debit

dunstonh

judy_1 wrote: »

thanks for all the help , i did not remember the claim until the woman told me about it, however i have recieved a letter from the insurance company today saying that they are going to void my policy from its inception date that i am entitled to a refund of payment s made and that they will not condider the claim fo rmy braclet that i have lost that i should cancel my direct debit

That is the text book outcome for a case they believe is intentional non-disclosure.

If you disagree with that and feel inadvertent non-disclosure applies to you (and its unlikely you would have been rejected at inception) then you should raise a complaint.

Here are the guidelines published by the FOS and how they would expect a case to be reviewed.

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-ins-nondisclosure.htm

judy_1

the loss adjustor did ask why i had not declared and i explained to her that i had recently had a stroke and that i had forggotten with this she just tutted. also when i went in to the bank i informed the lady in the bank that i had only just come out of hospital after having a stroke her reply to me was well you are alright expecting me to be drewelling or somthing, my reply to this was that i am at least still alive

pedro123456

This is where public confidence becomes eroded, here we have a lady who recently come out of hospital who entered her bank sorting “other issues” and came out with a insurance policy !!!!

She had just been discharged form hospital having had a stroke and declared this to the “Salesman”………………did this salesman care or listen about her medical condition?...NO, Did the salesman understand anything about her medical condition? NO did the salesman know anything about the insurance product she was selling to this lady probably not. Did the salesman get commission?....................probably yes

So anyway………..this lady takes out the Insurance, and has the misfortune to have to claim, and the IC say…………………”hang on you claimed for a burst pipe once in your life, and you didn’t tell us about it”…………………..what’s that all about what’s a burst pipe got to do with anything?

The effects of a stroke (CVA) are well documented and the effect of memory loss can easily be supported, either by her consultant or many areas’s of literature. And this “forgetting about a claim” is very very easy to understand after suffering what is in effect “Brain damage”

Now this lady…………………is supposed to accept, “well we think you deliberately didn’t tell us so we will give you your premiums back”………………what sort of settlement is that?

This “is the text book outcome for a case they believe is intentional non-disclosure”, how on earth can this be supported, it’s total and utter nonsense, it is corrupt and wrong.

And the IC’s wonder why there is no public confidence !!!!!!!!!!!!!!!!!!!!!

If you go the FOS route, if I can be of assistance give me a shout.



Thanks for posting judy 1, good luck and I wish you well.

Z

dacouch

Pedro I would agree with you on this case as it is a demonstration of why Insurance should be sold by people who are sufficiently trained and experienced in Insurance.

Dunstonhs post gave good information on what to do next, I would also be inclined to ask for a quote from exactly the same Insurer (With an assumed name) but with declaring the exact details of the claim but change the date of the claim to reflect how old it would have been when you took out cover. This will hopefully provide you with a quotation (Keep details of it eg a print out or screen dump) which would assist the advice Dunstonh gave you eg it would prove they would have covered you if they had been told about it in the first place.

If this was one of my clients (Or most other brokers) we would be on the phone to our contact with the Insurer (Assuming the Insurer would have accepted the client in the first palce) explaining how many clients we have with them and how it could "affect" the placing of our future and existing clients with them. This normally gets the case sorted out within a couple of days, the bank should be doing this for you if they were any good...

pedro123456

Pedro I would agree with you on this case as it is a demonstration of why Insurance should be sold by people who are sufficiently trained and experienced in Insurance.

Thanks dacouch but it really isn’t that simple.

I am not arguing for Insurance to be sold by people who are “sufficiently trained” although this would be preferred to it being sold by someone less experienced should we say.

Anyway my main point is that IC’s are a law unto themselves they do what they want if and when they want to.

I accept however that Insurance is part of life and sometimes necessary, bit like having a wife/husband/girlfriend/boyfriend………………get the right one there is nothing better get the wrong one and there is nothing worse !!!!!, and your suggestion would aid this.

So…………………..inequality, in that T&C within a policy are geared towards assisting IC’s to squirm out of legitimate claims.
Obscene profits the IC’s make year in year out.
Employment of leading wigs to enforce these T&C, and ensure legality.

These are just a few of my issues………………..do you agree with any of them?

Z

pedro123456

Thank you Dan……………………..your views are at the opposite end of the spectrum to mine……………if you think the way the Judy 1 is being dealt with and it is totally acceptable behaviour by the IC, I guess you are in the right job.

I am not here to fall out with you, I gave my opinion…………….squirming yep that says it all for now.

Until we meet again Dan…………………………..sleep tight, hope you can lie straight in bed.

Z

dunstonh

Dan is right though. We have Judy's side of the story which even is unfair, will be biased towards her. We dont have the insurance company's side. We do know for a fact there was non-disclosure though and it sounds as if it was inadvertent. Although of course, every fraudulent claimant is bound to say the same.

If Judy doesnt agree with the response then she complains. If they still reject it, then the FOS is available to her free of charge.

Would you want to be in the position of having to decide which non-disclosure claims are inadvertent or intentional?

pedro123456

Why are we having this debate?, you have a vested interest to promote Insurance policies I don’t.

My income is not reliant on debating what is or isn’t none disclosure, who actually cares what this term relates to?. It’s another power phrase T&C the IC’s use to avoid payment of legitimate claims

For a fact it became part of Judy1's T&C's, it bares no relevance to most policy holders ,except that it appears important and relevant if someone makes a claim.

What emphasis is put on this none disclosure when you first take out the policy, I’ll bet 90% of the public have never heard of none disclosure, until they claim and then its all over them like a bad rash.

Judy 1 suffered a brain injury and forgot.If you had any concept of the effects of a stroke etc....forget it!!!!!!

She fell prey to a opportunistic salesman.

I accept that you and Dan perceive yourself as correct, well that’s of no interest or concern to me, your thoughts and opinions are important to you

It does, however, make me wonder how vulnerable or unwell people actually have to be before commission is not considered to be the driving force of selling Insurance policies.

“Would you want to be in the position of having to decide which non-disclosure claims are inadvertent or intentional?”…………………..YES please



Z

dunstonh

Why are we having this debate?, you have a vested interest to promote Insurance policies I don’t.

I have no vested interest in Judy's policy or anyone else on this board. I am also not clouded by anti industry obsession. I dont promote insurance policies. That's just your crude, mistaken observation. A sign of desperation on your part as you are losing the argument.

My income is not reliant on debating what is or isn’t none disclosure, who actually cares what this term relates to?.

If you dont care then stop posting.

What emphasis is put on this none disclosure when you first take out the policy, I’ll bet 90% of the public have never heard of none disclosure, until they claim and then its all over them like a bad rash.

Non-disclosure of facts is a very common consumer fraud. The FOS guidelines cleared up what used to be murky waters in what should and shouldnt happen with non-disclosure. If the insurer takes on a risk and asks questions about the risk then they have a right to know the facts. Just as you would want to know the facts before you took on anything that has a risk.

Judy 1 suffered a brain injury and forgot.If you had any concept of the effects of a stroke etc....forget it!!!!!!

We dont know the extent of the stroke or whether it had an impact or not. We are not privy to those facts. We assume sympathetically on here that it did and that is why we have posted what courses of action are available to her.

I accept that you and Dan perceive yourself as correct, well that’s of no interest or concern to me, your thoughts and opinions are important to you

We perceive ourselves as being correct as we are. The facts back that up as well. You cant get much clearer than the FOS guidelines on non-disclosure and what should happen.

“Would you want to be in the position of having to decide which non-disclosure claims are inadvertent or intentional?”…………………..YES please

Thankfully you dont as your complete bias prevents you from seeing things with a balanced view.