PPI help needed

flyhawkeye

I took out PPI against a credit card, it covered most but importantly me becoming a carer. When my contract with work ended my partner and I decided I should become my sons carer (he has Crohns disease and is 7). We took this step because of the ammount of time he is ill and needs care.

So, I applied for my card balance to be paid in full as per the agreement, after some investigation by the insurers they refused the claim stating "The policy had been taken out after we had first contacted a doctor about my sons illness". The fact that this illness was not dianosed until after the agreement was signed made no odds. Therefore This is classed as a "pre-existing condition"

Could I claim a refund citing mis-selling?

lisyloo

Did you tell them that you had been to the doctor with your son?
Did they ask any medical questions?

It's very common fo pre-existing conditions to be excluded.
Insurance does not cover existing risks (whether diagnosed or not) it only covers things that happen after the policy is taken.

Why do you think you may have been mis-sold?

What does the documentation you have say about pre-existing conditions?
If it told you up front that pre-existing conditions weren't covered then I doubt you would have much of a case.