We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. 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!
Insurance Cancelled without notice
Options

metal675
Posts: 86 Forumite


Apologies in advance for a long thread.
I am looking for some genuine advice regarding my situation regarding health insurance.
I had a private health insurance which I renewed on the phone in January this year and got a email confirmation from the insurance provider that it has been renewed and I received the new plan documents.
Few days ago, my online access and the access to insurance app stopped working. When I queried they said my policy is being shown as inactive.
Upon a series of phone calls and investigation, the insurance company admitted there was an error in renewal and the admin team made a mistake due to which the policy was never renewed correctly - although I received new policy docs and confirmation leading me to believe I have an active insurance. They did not take any direct debit payments from Jan.
They said they can reinstate the policy but I have to pay all the missed payments from Jan till now. My argument was that I never knew I don't have an active policy and was always under the impression that I have an active policy as I confirmed to me on the phone, got new policy certificate emailed to me when I renewed after accepting a new quote. All of renewal was done on phone.
It was their mistake and effectively I was without insurance unknowingly. The insurance company did not let me know in writing that my policy is cancelled.
They said they can waive off some amount, but I will still have to pay majority of payments from Jan.
My point was this was not my mistake and if I had a genuine claim this would have been worse. It's like you call an insurance company for a car accident and car insurance company tells sorry you don't have insurance with us due to an error.
Any suggestions or advise please on what I should do?
Thanks
0
Comments
-
metal675 said:Apologies in advance for a long thread.I am looking for some genuine advice regarding my situation regarding health insurance.I had a private health insurance which I renewed on the phone in January this year and got a email confirmation from the insurance provider that it has been renewed and I received the new plan documents.Few days ago, my online access and the access to insurance app stopped working. When I queried they said my policy is being shown as inactive.Upon a series of phone calls and investigation, the insurance company admitted there was an error in renewal and the admin team made a mistake due to which the policy was never renewed correctly - although I received new policy docs and confirmation leading me to believe I have an active insurance. They did not take any direct debit payments from Jan.They said they can reinstate the policy but I have to pay all the missed payments from Jan till now. My argument was that I never knew I don't have an active policy and was always under the impression that I have an active policy as I confirmed to me on the phone, got new policy certificate emailed to me when I renewed after accepting a new quote. All of renewal was done on phone.It was their mistake and effectively I was without insurance unknowingly. The insurance company did not let me know in writing that my policy is cancelled.They said they can waive off some amount, but I will still have to pay majority of payments from Jan.My point was this was not my mistake and if I had a genuine claim this would have been worse. It's like you call an insurance company for a car accident and car insurance company tells sorry you don't have insurance with us due to an error.Any suggestions or advise please on what I should do?Thanksmetal675 said:
It's like you call an insurance company for a car accident and car insurance company tells sorry you don't have insurance with us due to an error.3 -
Don't worry about what might have happened. It didn't, and had it done so, I expect you would have legitimate cause to expect the policy to cover you.
I assume their point is that you're buying an annual policy at a price of x, and paying x/12 in monthly instalments, therefore the amount you owe remains the same. Rather than buying monthly cover for each month.
If that's the case, you don't have a right to waived payments, so either take what they've offered as a discount, or complain further and hope they offer more and don't retract the offer they have made.1 -
Thanks both of you for your suggestions.My argument was - why pay retrospectively for a period when I did not have cover, as they said the insurance was not renewed correctly.It was not like the direct debit payments failed.I am trying to ascertain if there is any case with the insurance company, ombudsman or any other legal recourse or should i just pay up with some discount.0
-
Since it was their mistake the company would most likely have paid out a claim.
You didn’t need to claim so don’t know that they would not have paid out
You are also at fault for not noticing that the payments hadn’t been taken.
If you don’t pay you could run the risk of them cancelling the policy due to non payment.1 -
metal675 said:Thanks both of you for your suggestions.My argument was - why pay retrospectively for a period when I did not have cover, as they said the insurance was not renewed correctly.It was not like the direct debit payments failed.I am trying to ascertain if there is any case with the insurance company, ombudsman or any other legal recourse or should i just pay up with some discount.
If you dont want cover for that period then tell them to leave it as not renewed and get a new business quote starting from today but naturally any conditions you've developed since first buying the insurance are unlikely to be covered.1 -
metal675 said:Thanks both of you for your suggestions.My argument was - why pay retrospectively for a period when I did not have cover, as they said the insurance was not renewed correctly.It was not like the direct debit payments failed.I am trying to ascertain if there is any case with the insurance company, ombudsman or any other legal recourse or should i just pay up with some discount.
It's your choice what to do next, but to not pay risks them cancelling the policy which you would have to declare to another insurer if asked. Are you confident you can find an insurer you're happy with that will insure you if they know you had a policy cancelled?
You could try pushing their complaints policy and the ombudsman if you reach deadlock, but I suspect the offer they've made will be viewed as reasonable. What loss have you suffered? As pointed out above, you're better off by the sum of the small discount offered and some small interest in payments not made for a few months.
Cutting to the chase: How much are you after?1 -
metal675 said:Thanks both of you for your suggestions.My argument was - why pay retrospectively for a period when I did not have cover, as they said the insurance was not renewed correctly.It was not like the direct debit payments failed.I am trying to ascertain if there is any case with the insurance company, ombudsman or any other legal recourse or should i just pay up with some discount.2
-
metal675 said:My argument was - why pay retrospectively for a period when I did not have cover,
Every generation blames the one before...
Mike + The Mechanics - The Living Years0 -
So while they have admitted it is their error & offered to waive some of the cost. Despite the fact you would have been covered.
Where is your admission of error, for not noticing that 3 or 4 payments were not taken?Life in the slow lane0 -
If you don't pay the insurer is likely to cancel the policy and leave you searching for a new provider. That may prove difficult if you have any pre-existing conditions. If you had needed to claim it's entirely likely that the insurer would have put their hands up and said it was their error and paid up. However, health insurance isn't cheap, so you should have noticed that there was more in your bank account than you expected.My advice would be to pay up, accepting any reduction you can negotiate.0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards