My Personal Trainer - Insurance

[NOCAB]

My personal trainer claimed to have insurance in place as part of his terms and conditions which for me was a prerequisite before employing him. I was subsequently injured and the firm he claimed to be insured with are now stating they are looking at this under a 'reservation of rights' as they cannot identify if a valid policy was in place at the time.
I am confused.

I have my trainers insurance policy details so am not sure why the company has (1) taken the max time to respond to my solicitors, only to state they are not sure if he was covered at the time, (2) why it would be so difficult for the insurer to confirm if the insurance was valid.

The insured claims to know nothing about my injury in emails between us when I tried to obtain their insurance details and tried to suggest I needed to contact the club where we trained as this was for them to deal with. The club equally stated it was nothing to do with them and to contact my trainer, so both covering for each other. Despite my trainer claiming they knew nothing about my injury, text messages between us the day after I was injured by them show they were asking how I was, and for subsequent copies of any medical records, so they quite clearly knew what had happened and provided a refund on the basis that I was injured by them and I was now unable to complete my remaining sessions.

Can anyone help or advise as this seems to be going around the houses with obstacles and avoidance tactics at every opportunity.

I have full medical records to support

[jhonpaul]

Hi ,When you try to make a claim on your insurance policy, you may find that your insurer refuses your claim or does not pay out the full amount you are asking the policy was not in force when what you're claiming for happened .And It may take time to verify all the aspects to cover. I think It might be take the process of remaining sessions...

[des8]

Don't expect people involved to assist you in making a claim.

Your trainer told you he had a policy, and he gave you the details, but his insurers cannot confirm cover was in existence at the time of the incident.

This could be for a number of reasons e.g. their records are incomplete/ the insured failed to renew on time or premium remained unpaid.
The claims dept will have to liaise with the underwriters who will need to check with.........and so it goes on.

Could you give details of Insurance company and type of policy the trainer held?