Unclaimed Critical Illness cover

sigmundjester

I have joined the forum hoping someone can advise me on this:
When I got my first mortage in 1996 with Abbey National I got Critical Illness cover included. 4 years later I was diagnosed with cancer and went through 2 courses of chemo. I didn't make a claim on my cover as I naively thought that the Critical Illness Cover only covered you if you had a terminal illness.
It was only years later, after changing my mortgage and cancelling the cover that I realised I should have claimed. At this point I thought it was too late and put it out of my mind.
On speaking to a mortgage adviser this week, the subject came up, and he thinks I may still be able to claim. Trouble is I have long ago thrown out my old paperwork and signed contract, and not even sure I can remember who the cover was with (although I think it was Royal London). Obviously feeling a bit of an idiot, but wondered if I had any chance of my old records being recovered and making a claim?
Any advice at all would be appreciated.

dunstonh

Your post is really in the wrong section but not a problem.

Insurers will consider late claims. However, records do become harder to get over time and tests that may need to be carried out may be too late to get done. So, it can be harder to deal with a claim but not impossible.

You just need to contact the insurer that you used.

Helenna

I will watch this thread with interest. My partner is making a claim for PPI mis-selling on the basis he never knew he had it. The paperwork has now come from Halifax about the policy he had. It includes critical illness cover. Again he didn't know he had this. The key thing is he actually did have bowel cancer during the period he had the policy and didn't claim as he didn't know. This dates back to 2004. What should he do about claiming this? Will he be able to make a claim for critical illness so long after he was ill?

Nearlyold

The post before yours gives you the answer. PPI itself doesn't have critical Illness cover so this may be a multi segment policy with separate Life CI and PPI cover. If your partner did not know he had this policy what did he think the monthly payment was for and did he not read any of the policy documentation provided by the insurer?

Helenna

Looking at the paperwork, it was lots of separate policies under one payment but that payment was included in the mortgage one so he was unaware of the policies. They've said it was PPI, CI and life assurance. (TMPP Halifax policy). It started off being a PPI claim for having PPI added without knowing, but now he's realised it also had CI he could have claimed for, he would like to make a retrospective claim instead if that's possible

Helenna

He's going to call the insurer on Monday

Nearlyold

Let's hope the insurer lends a sympathetic ear to your partner's retrospective claim.

I have to say though, I do find it strange that someone could sit through a fact find, product presentation, complete and sign an application together with answering a whole series of medical questions, receive a reason why letter with an explanation as to why the policies had been recommended from Halifax, receive full policy particulars from the insurer, pay for the policies for X years, receive regular mortgage statements detailing additional payments above the payments for the mortgage itself - yet still remain unaware of the insurance they had taken out.

dunstonh

Nearlyold wrote: »

Let's hope the insurer lends a sympathetic ear to your partner's retrospective claim.

I have to say though, I do find it strange that someone could sit through a fact find, product presentation, complete and sign an application together with answering a whole series of medical questions, receive a reason why letter with an explanation as to why the policies had been recommended from Halifax, receive full policy particulars from the insurer, pay for the policies for X years, receive regular mortgage statements detailing additional payments above the payments for the mortgage itself - yet still remain unaware of the insurance they had taken out.

And that is in part why most complaints about life assurance and/or CI get turned down.