We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Appealing life insurance decision

Options
My partners father passed away September 2021.
He had life insurance covering his mortgage of £80k with aviva. After the claim was put in, aviva went back and forth with the gp surgery for around 6 months for more information regarding his medical records.
Devastatingly, they found that in 2011 a doctor had advised his father to drink less alcohol following some routine blood tests - therefore the question regarding issues with alcohol to which he responded none was incorrect/dishonest.
We genuinely believe this was not his intention to lie and he simply forgot about this advice given so long ago.
his death/illness was in no way linked to alcohol misuse. He was a healthy, active man who didn’t drink often!

just wanted some none judgmental advice if possible? Does anyone think it’s worth appealing this and would you involve solicitors?
thanks in advance 

Comments

  • user1977
    user1977 Posts: 17,668 Forumite
    10,000 Posts Seventh Anniversary Photogenic Name Dropper
    When did he take out the insurance? What exactly was the "question regarding issues with alcohol"?
  • Keep_pedalling
    Keep_pedalling Posts: 20,647 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper Photogenic
    Appealing will not cost anything and is certainly worth doing for the ammo7nts involved.

    https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/insurance/misrepresentation-non-disclosure
  • Weighty1
    Weighty1 Posts: 1,207 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    I'm afraid I believe you would be on a hiding to nothing to appeal.  Whilst you believe it was not his intention to lie this is ultimately what he did do, whether deliberately or negligently as it would be hard for most people to believe that someone forgot the GP recommended they reduce their alcohol intake.  The fact that Aviva have failed to payout at all also suggests that his intake was at a level that they would not have offered cover at all had they known about about his intake as otherwise they'd have likely proposed a partial payout on the plan and NOT a full declined payout.

    As above, you can put in a complaint to Aviva and if they still decline the claim you can refer it to the financial ombudsman service (FOS) but you'd likely need a good reasson to believe it was an accidental non-disclosure and not a known misrepresentation.
  • Nearlyold
    Nearlyold Posts: 2,371 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    edited 23 May 2023 at 7:51PM
    Useful info here on the typical alcohol related questions in life cover applications:- https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/life-insurance-and-alcohol
  • It depends how the question was phrased. Do you know the exact wording?
  • kingstreet
    kingstreet Posts: 39,249 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    user1977 said:
    When did he take out the insurance? What exactly was the "question regarding issues with alcohol"?
    This ^. What was the time gap between the medical advice and the date of the application?
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.7K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.4K Spending & Discounts
  • 243.7K Work, Benefits & Business
  • 598.4K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 256.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.