unemployment insurance dilema:[

payless

small print - its actually large print on their document - but formatting gets changed on pasting to this site

Its the Paymentshield Policy ( now also underwritten by St Andrews - who are part of HBoS -aka Halifax Bank of Scotland , previously underwritten by Hamiliton- part of HSBC) is the policy you are quoting a mortgage or a credit card plan ?

I believe their range of policies ( albeit not always branded the same name) have the highest market share from intermediaries , and is even rebranded by some lenders ( no doubt at a higher profit margin)
Terms may change depending on actual policy - but the one I quoted is in their standard range, and given its wide spread exposure , thought a good example to use ( although I accept others may not be as "good" )

payless

peterbaker wrote:

Gawd! The St. Andrews policy I found was linked to Goldfish Credit Card. maybe the mortgage wordings are better?

Are you sure it's the same St. Andrews? Goldfish is LloydsTSB so surely they wouldnt be promoting HBOS products? ........


PS Hamilton were linked to HFC Bank not HSBC last time I saw anything relevant to it. Did HSBC buy HFC?

Looking the paperwork up - its the same St Andrews Insurance plc ( and I know they are part of HBos) would not say its that obscure given the BoS name??

YES
In March 2003 both Household International Inc. and HFC Bank plc became part of the HSBC Group ( and hence Hamiliton came under the HSBC group)

payless

H .. look out Halifax ?

Dublin .. Sorry no idea .. getting a little off topic now

andy_l_2

Hi guys sorry have not got back to you all great comments by the way all are truely appreciated.The policy is with country wide which I think is part of AXA and believe it or not my cover on the car payments is with ST ANDREWS :eek: God help me with all of this, and just to put a nail in the coffin a job has turned up but it is temporary 3-6 months talk about de ja vue! Think i will wait and see what pans out.

payless

Hope it all works out well for you Andy

( yes I seem to remember countrywide were selling AXA MPPI - not the cheapest I have seen )

andy_l_2

Hey guys got one result the car insurance have decided to cougth up the payments, fingers crossed now for the mortgage to do the same :T :T

andy_l_2

Well well well well got my mortgage CARE reply the bas***ds have pulled the six month rule and will not pay.I am disgusted with them I would have thought trying to keep yourself in employment and getting back to work as quick as you can counts for nothing.How the hell can anybody foresee six months down the line and then when it happens you are not covered. I shall ring them on monday and EXPLAIN to them the meaning of cover not a happy buuny!!

andy_l_2

Due to a very unkind refusal to my claim by a wide country assurance policy if you get my drift I am looking to change to a more FRIENDLY and fare company any suggestions?

savvy

Hi andy l
I've merged your threads to keep everything together, and so aid future users.
savvy

payless

If currently not working you won't get a new policy yet