unknown redundancy cover!

Manc84

Whilst looking at our finances following redundancy we realised that we had been paying out on a redundancy policy to Countrywide Assured that we didn't even know we had! By this point we had taken out another policy with another company so could not claim from Countrywide. We would have had no reason for this cover 11 years ago and have never recieved any correspondance from the company, therefore we had always assumed the direct debits were connected to another policy we had with Countrywide.

I requested, but have not recieved copies of the original documentation and believe this policy was 'slipped in' by the financial advisor at the time our mortgage was arranged all those years ago!

Does anybody know if I would have a claim or could point me in the right direction?

Cheers

Debt_Free_Chick

Manc84 wrote: »

Whilst looking at our finances following redundancy we realised that we had been paying out on a redundancy policy to Countrywide Assured that we didn't even know we had! By this point we had taken out another policy with another company so could not claim from Countrywide.

Why can't you claim for Countrywide? Did the redundancy occur whilst the Countrywide policy was in force?

dickydonkin

Debt_Free_Chick wrote: »

Why can't you claim for Countrywide? Did the redundancy occur whilst the Countrywide policy was in force?

It is likely that one event cannot be covered by two different policies - although I would check to ascertain if this is the case - if not - claim on both.

If claiming on the two policies is not possible, If you claim on your new policy, in theory, the Countrywide policy could be null and void for the period you had cover with the new policy, therefore it could be possible to reclaim the premiums from Countrywide for the period you had 'double cover'.

Obviously, you would need to check the key points of your policies and dedetermine what you will do next.