Cancelled income protection insurance

toonto

In 2012 aviva cancelled my income protection insurance which at that time included redundancy..they gave me 3 months notice and told me they were no longer in that type of business..I had never missed a payment (direct debit) and had paid it first 7 years. However aviva decided to cancel,  I protested  but to no avail  .told me to get it somewhere else. At the time redundancy was costing aviva  lots of money as it was during the recession in ireland. 4 months after the notification I was made redundant..I wasn't happy and almost lost my home as a result..I hav contacted aviva since only to be fobbed off with gdpr..
Hav I any recourse as its the same as cancelling your home insurance when the flood/storm is coming 

dunstonh

In 2012 aviva cancelled my income protection insurance which at that time included redundancy..they gave me 3 months notice and told me they were no longer in that type of business.

Aviva withdrew from the payment protection insurance market (PPI) but they did not withdraw the income protection market (PHI).

A key way to tell the difference between PPI and PHI is that redudancy cover was not included in the vast majority of PHI policies (and the rare few that did, had it as a PPI bolt on).

. However aviva decided to cancel,  I protested  but to no avail  .told me to get it somewhere else. 

Insurers are not allowed to cancel PHI unless you have fraudulently applied or failed to pay the premium.  However, PPI had no such clause and the insurers could end it.   And most did because PPI had become hard to market.

Hav I any recourse as its the same as cancelling your home insurance when the flood/storm is coming 

You have no recourse as there was no legal requirement for them to continue offering payment protection insurance (PPI).

Your house insurance would not be cancelled mid term. It could be at renewal, though, if the company no longer wanted to offer it.  That is what happened with PPI.  

Plus, even if there was wrongdoing, you are out of time.  (6 years from the event or 3 years from being reasonably aware of an issue, whichever is the longest.  Both periods are long gone)

Ayr_Rage

In what jurisdiction did this happen, @toonto you said "ireland" in lower case

toonto

Aviva ireland..many years back i asked aviva to send me a copy of tge policy booklet but they refused to do so..it was a policy which aviva acquired from a takeover of a smaller insurance company..cant remember the name. .I contacted them within the time frame but was fobbed off gdpr..

toonto

Also in as far as I know it was an income protection insurance policy..basically it would pay me after the first month a  set amount for 12 /24 months.  

Nasqueron

If it's a policy taken out in Ireland (Republic of) then you need to go on an Irish board for advice, MSE is for UK (GB and NI) advice 

dunstonh

.I contacted them within the time frame but was fobbed off gdpr..

Its not a fob off.  GDPR was an EU directive.   You seem to want them to break the law to suit you.

Also in as far as I know it was an income protection insurance policy..basically it would pay me after the first month a  set amount for 12 /24 months.  

In the UK there is no such thing as an income protection policy from a generic point of view.  Its PPI or PHI.    Providers may market their product as income protection but it would either be PPI or PHI.   

Ireland's products may well be different but I suspect they are very similar to the UK.