Ppi Natwest

[pinknico]

I am currently looking into my inlaws PPI which was taken out when the wage earner was over 65 and the loan was for 6 years.
In 2003 they reeived a letter saying although the policy said they were not covered over 70 it was ok they were(?)

I am really wondering whether this letter would have been enough for them to make a claim on a policy that said they couldn't?

And does anyone know if it is a Natwest Insurance they use for ppi or an outside company ?

[enaid]

Re: Ppi Natwest

If you have the policy (and you should have been provided with it at the time) then it would have who the insureres are on it.

[pinknico]

Re: Ppi Natwest

The don't think that they were provided with this at the time.

[enaid]

Re: Ppi Natwest

Found this on their site though, it may help may not.

2. Whose products do we offer?
We offer products from a range of insurersWe can only offer products from a limited number of insurersUK Insurance Limited for creditor insurance (with the life cover element being underwritten by Direct Line Life Insurance Company Limited)
UK Insurance Limited for home insurance
UK Insurance Limited for motor insurance
UK Insurance Limited for stand alone travel insurance
Sterling Insurance Group Limited for personal accident insurance (except our Direct Marketing channel where a product from Avon Insurance plc is offered)
Royal Sun Alliance Insurance plc for student and graduate possessions
Royal Sun Alliance plc for safe custody insurance
National Westminster Life Assurance Limited for term assurance
National Westminster Life Assurance Limited for critical illness insurance
Norwich Union Healthcare Limited for income replacement insurance
Sterling Insurance Group Limited for accidental death insurance offered with an Advantage Gold or Advantage Private bank account
UK Insurance Limited for travel insurance offered with an Advantage Gold or Advantage Private bank account
ACE European Group Limited for payment card protection and Domestic & General Insurance plc for extended warranty insurance provided with an Advantage Gold or Advantage Private bank account
UK Insurance Limited for home emergency insurance provided with an Advantage Private bank account
Royal and Sun Alliance Insurance plc for Purchase Protection insurance for an Advantage Gold or Advantage Private bank account.

[pinknico]

Re: Ppi Natwest

Thank you for that, I wonder which one is most likely to be used for unemployment?

[enaid]

Re: Ppi Natwest

I think best bet is to write or ring Natwest and ask them TBH.
Ask them to send you the policy details for the date the PPI started and the T&C's,
there may have been a clause in there that as your inlaw was working the policy may have been valid. Also they usually only run the PPI for 5 years which would infact take your inlaw to the age of 70, as the for the other year of the loan, you would have to check in the T&C's about that.

[pinknico]

Re: Ppi Natwest

Won their money back , £5000, I am officially best DIL ever!