PPI on loan for car - wont pay

wendy_

Im hoping someone can give advice on this, my friend took a loan out for a car in Nov 08, he took PPI as he was on a tempory contract at work and was worried that if anything happend he would be covered. He found a lump on his neck approx 10 months earlier but put this down to a swollen gland as he had suffered an ear infection which was treated with antibiotics. This lump didnt completely go so he went to the doctors who sent him for various test. In the end up he was diagnosed with throat cancer and is currently having treatment for this but he his very ill with the radiotherapy treatment and cannot speak. His wife got in touch with the insurance to explain that they needed to claim due to him not being able to work at the moment, they refused to discuss the claim with her as it was her husbands policy and due to data protection could not help her even though she explained he could not speak, they did however say that if he had the lump for 10 months then he must have know he had cancer when he took the loan out and therefore they will not let him claim. He had no idea it was going to turn out like this and how could he have known it was cancer? Can anyone advise what steps they should take now?

somewhatnew

the PPI company wont talk to you unless they have something in writing from your husband first due to data protection laws

unfortunatly a major flaw with PPI / ASU is that there are little or no health questions asked upfront - all pre-existing questions are excluded but you dont find out what these exclusions are until a claim is made (when the look at your doctors notes) and by that time it is too late. i dont like this contract and wont sell it to my clients because of this.

a better policy would have been income protection insurance as all the underwriting for health is dont upfront - you know the exclusions from the outset. unfortunatly your husband wouldnt have been able to get this cover because he was undergoing continuing medical tests at the time

there wont really be anything you can do to resolve this. your huband had the cancer before he took the cover... he was undergoing tests and it simply hadnt been diagnosed by the time the policy started

pedro123456

Wendy all being well one of the Insurance bods who reads and understand your questions properly will come along and offer you advice soon.

wendy_

Thanks somewhatnew, my friend was not having any tests when he took the insurance out, he took out the loan for the car in Nov 08 and went to the doctors in Dec 08 and first saw a consultant in Jan 09, what the insurance people are saying is that he must have know he had cancer when he took the loan out in Nov 08. Would this make a difference?

pedro123456

Ok recap Wendy.

1- Your friend (not husband) took out PPI in Nov 08 for whatever reason.
2- He found a lump on his neck 10 month earlier (feb) (where, side front back?)and made his own presumption.
3- He attended the GP surgery because it wasn’t improving, was this AFTER or BEFORE HE STARTED THE POLICY?
4- The GP sent him for investigations (when, date please) and he was diagnosed as having CA of the throat (when, date please.)
5- What was this “actual” diagnosis oesophageal cancer or something else ?
6- Because of his communication skills he is now unable to talk personally to the IC and the IC won’t engage in conversation with his wife.
7- The IC “presumes” that because he had the lump/swelling to the throat he KNEW he had throat cancer? Before he took out he policy? if so how did they express this presumption verbally or in writing?
8- The IC will now not let him claim “how have they refused to let him claim “verbally” or in writing”

Wendy ask your friends wife and or your friend to try and answer all the questions in red please, if my statements (in black) are incorrect please say.

somewhatnew

pedro you are missing the point - there was a lump which was a pre-existing condition.

the simple fact is there was a growth before the cover was taken, be it cancerous or benign, so a the growth on the neck isnt covered.

its immaterial thats its cancer - a growth on the neck would not be covered

im sorry for the dude but there is nothing that can be done about it



1- Your friend (not husband) took out PPI in Nov 08 for whatever reason.
correct
2- He found a lump on his neck 10 month earlier (feb) (where, side front back?)and made his own presumption.
doesnt matter
3- He attended the GP surgery because it wasn’t improving, was this AFTER or BEFORE HE STARTED THE POLICY?
doest matter he already had the lump
4- The GP sent him for investigations (when, date please) and he was diagnosed as having CA of the throat (when, date please.)
doesnt matter
5- What was this “actual” diagnosis oesophageal cancer or something else ?
doesnt matter
6- Because of his communication skills he is now unable to talk personally to the IC and the IC won’t engage in conversation with his wife.
thats due to data protection - he needs to put something in writing. its the law
7- The IC “presumes” that because he had the lump/swelling to the throat he KNEW he had throat cancer? Before he took out he policy? if so how did they express this presumption verbally or in writing?
doesnt matter
8- The IC will now not let him claim “how have they refused to let him claim “verbally” or in writing”
doesnt matter

pedro123456

ok somewhat when did you diagnose that then?, you’re a doctor too ay ? a swelling is a PEMC is it ? since when?

Move what you have just posted and let this lady answer for herself please

You aint the Judge and Jury, and decision maker

give me strength,

somewhatnew

i love your posts pedro. when you dont like the answer and you know other people are right you just get abusive and awkward!

everything i have said is right

the lump was there before the insurance was taken... its a preexisting condition. how is it not a prexisting condition if it occured before the insurance was taken?

pedro123456

I haven’t the inclination to bother answering you somewhats, look for a medical and or insurance definition of a PEMC for yourself.

I’m glad you love my posts, shame but I aint keen on yours, its times like this when I appreciate the input of someone who really knows what they are talking about, truetrig, or dacouch or even raskass, matty or duston

ps IMO the next time you are correct it will be the first time.

Now please remove (ill do same) and let this lady answer.

pedro123456

Lets start again somewhatst.

Now I aint trying to point score here, me and you have crossed paths we don’t get on end of story and that doesn’t matter to you or me.
Here we have a lady who is asking advice and looking for guidance and clarity, for her friend.

On the face of it being PPI cover, and the fact that a diagnosis has been reached you have drawn a line under the subject, ended story without (IMO) not knowing all the facts.
You presume as I understand it the same as the IC that the fact that

1- A swelling in the neck is enough to diagnose a cancer when clearly it is not, a possible sign/symptom maybe, but not possibly enough for a diagnosis.
2- You/IC can determine a swelling is a PEMC but it isn’t, in order for any PEMC to be declared it must have a diagnosis surely, if you are implying that despite not being ask about PMH because its PPI but somehow a none disclose issue please make this clear, although again I see questions around this.
3- You/IC & the policy holder (respectfully) can SELF diagnose cancer. You cant, there are numerous reason for swelling of the throat, some typical some Atypical.

Now as I see it you cant declare this cut and dried/finished/end of without further information, neither am In saying there is a case, but what I am saying there is at least some further input into helping Wendy’s friend out

dunstonh

To be honest, this appears to be a case of a pre-existing condition (as already mentioned by somewhatnew).

Insurance companies will cover unforeseen events. Not events that have already occurred or are already in progress.