Aviva income protection problems

weighty1_2

magpiecottage wrote: »

I disagree - unless the OP has taken out a "houseperson" policy then it will depend on whether they can reasonably be expected to perform either their own job (if it is an "own occupation" policy) or one to which they are suited by qualification, experience and physical capability. The OP has their writing hand in a sling so it is unlikely they will be able to do any work for the time being.

There is no requirement to issue a suitability report for an income protection policy (or any other pure protection policy for that matter).

OK, there is no "requirement" for a suitability letter to be written, however, does that mean one wasn't done? I ALWAYS write them and I'm sure I'm not alone, especially since it's a requirement of the network I'm with.

Secondly, I don't care if you disagree or not!! The FACT is that most insurance companies write PHI policies on ADL/ADW definitions for higher risk occupations. Driving, from a claims point of view is higher risk since relatively minor conditions can prevent drivers from working long term. Generally they won't even be offered a suited definition since often you wouldn't expect a driver to be particularly qualified in any area therefore a suited definition is not necessarily any worse than own occ. It leaves ADL/ADW as the only option for the more mainstream providers

It's up to the client and/or their adviser to differentiate between those that will offer the own occ. plans and those that don't. Run some quotes for a driver and see which providers, other than the Friendly Societies will offer own occ. Well, L&G will offer own occ for the first 12-months, but that's probably your lot.

MRCHOC8

yeah thats exactlly my point i cant do 4 of the personnel capabilities so they are asking my doc to confirm that , but i think i was mis sold this product, the financial advisor said " if i brake my arm or leg etc playing rugby and am unable to work for longer than 4 week i will get x amount of £" its not a cheap policy either £32 a month. thanks 4 the advice

weighty1_2

MRCHOC8 wrote: »

yeah thats exactlly my point i cant do 4 of the personnel capabilities so they are asking my doc to confirm that , but i think i was mis sold this product, the financial advisor said " if i brake my arm or leg etc playing rugby and am unable to work for longer than 4 week i will get x amount of £" its not a cheap policy either £32 a month. thanks 4 the advice

I think you'll be hard pushed to get your doctor to agree that you can't do 4 of the 9 tasks and even if your doctor agrees that you can't I wouldn't be surprised if Aviva requested an independent doctor to assess you as well. To claim that you can't sit for 30-minutes or walk up/down a flight of stairs, walk 200metres, lift a 2kg bag of potatoes (with either hand) and carry it 5m etc etc due to a dislocated thumb and 1 of your arms being in a sling is wishful thinking if you ask me (not wanting to sound harsh here, but just thinking of it from the insurance companies point of view)

Out of interest, which of the 4 tasks can't you do?