Medical Insurance Pre existing conditions

[SAVA05]

Re: Medical Insurance Pre existing conditions

Hello Guys, unrelated subject but it still regards the Halifax. I had an home insurance cover with them and still do, I had things stolen in my shed and an kids electric bike was stolen. They tried to state that the my daughter electric bike was motorised and not covered in there insurance policy manual but electric goods like lawn mower was. I got clever with them and said it actually the electric bike is electric as you had to plug it in to charge it up. I said I would take this to the FOS and get Halifax to re write all there thousands and thousands of there policy documents as the policy stated electrical goods in the shed is covered but why not the electric bike!, the policy states electrical goods are covered. What I trying to say is that they backed down as I pointed out a flaw with there policy manual on home insurance cover. They backed down and paid me out for the stolen electric charged bike on a technicality on a like for like basis. Skyways I think you can get them on a technicality as well and threaten them with CEO of Halifax and the FOS fret and I bet they back down as well. They have to abide by there policies and not mis-lead people.

[Bill-K]

Re: Medical Insurance Pre existing conditions

One other point I meant to make.
Halifax rejection letter refers to Accident And Sickness section of the policy. there is no such section. This letter is a standard letter of rejection, pulled up by some spotty urchin who hasn't got a clue on how to read a policy, and signed by a manager who doesn't know how to check what's put in front of him.
Typical of the current financial industries!
But that's my rant over for tonight. Where's that single malt

LOL - well 'spotted' Des - that's another weakness you have revealed to our advantage.

I'll see you in O'Malley's, then...

Talisker, Highland Park...or good old Glenfeckit ?

[skyways]

Re: Medical Insurance Pre existing conditions

One other point I meant to make.
Halifax rejection letter refers to Accident And Sickness section of the policy. there is no such section. This letter is a standard letter of rejection, pulled up by some spotty urchin who hasn't got a clue on how to read a policy, and signed by a manager who doesn't know how to check what's put in front of him.
Typical of the current financial industries!
But that's my rant over for tonight. Where's that single malt

Hi There Des, Would you believe I got 8 bottles of single malt from fellow workers and office staff and tenants,still got most of it,nobody to drink it with?
Thanks for your support.

[Bill-K]

Re: Medical Insurance Pre existing conditions

Indeed, SAVA05, if we - as mere amateurs - can poke holes in their professionally drafted policy documents, then they really can't defend themselves, can they ? Contradictions are excellent, as they are effectively condemning themselves by their own words.

[des8]

Re: Medical Insurance Pre existing conditions

Well Bill, not all of us are amateurs!!
I spent 20 years in Lloyds of London (Insurance, not banking) selling, broking, drafting policies and proposals until I (ie other half) got fed up with the hours and amorality. Carried on with my own book of business and (this will please Skyways) worked with a cabinet maker, got City & Guilds and specialised in restoration work. Now retired so presumably I return to amateur status!!!!!!!!!!!

[des8]

Re: Medical Insurance Pre existing conditions

Hi There Des, Would you believe I got 8 bottles of single malt from fellow workers and office staff and tenants,still got most of it,nobody to drink it with?
Thanks for your support.

True it's better shared, but at a pinch I can push myself to drink alone. Don't often get the chance tho' as wifey likes a good malt:tinysmile_grin_t:

[SAVA05]

Re: Medical Insurance Pre existing conditions

Exactly Bill-K , I had to read them there policy word for word to make them look silly. I had two other normal bikes stolen and even though there policy states a like for like basis, meaning they had to match the items and there prices, they tried to get me a cheaper alternative. I did not accept this and got them to pay out as per policy manual when I got some one higher up in the Halifax chain. Halifax have no leg to stand on when taking the matter further. I love tearing holes in the Financial Institutions as they cannot handle people fighting back and stating the Customer Act etc.

[Turboman]

Re: Medical Insurance Pre existing conditions

Good work Des8 & SAVA05

[Bill-K]

Re: Medical Insurance Pre existing conditions

Well Bill, not all of us are amateurs!!
I spent 20 years in Lloyds of London (Insurance, not banking) selling, broking, drafting policies and proposals until I (ie other half) got fed up with the hours and amorality. Carried on with my own book of business and (this will please Skyways) worked with a cabinet maker, got City & Guilds and specialised in restoration work. Now retired so presumably I return to amateur status!!!!!!!!!!!

Your potted CV is much the same as many of us, Des - and I apologise if my use of the term 'amateur' was seen as derogatory. Your posts display a professional insight, which is what so many of us bring here.

But - in here at least - we are only who we say we are, and our credulity is in what we say.

[des8]

Re: Medical Insurance Pre existing conditions

Hi Bill, Honest, I didn't take offence and never interpreted your remarks as derogatory. I was just indicating that I had a strong Insurance background. Sometimes it is a curse because I see the problem from the other side and sympathize with the insurers and not the consumer!

[Angry Cat]

Re: Medical Insurance Pre existing conditions

http://blog.ashburnham-insurance.co....-act-1906.html

Marine Insurance Act 1906



The Marine Insurance Act 1906 may be over 100 years old, but a very important part of this act is still used today in almost every insurance policy sold in the UK. This part is to do with the duty of disclosure on insurance policies.

Insurance is sold as "uberrimæ fidei" which means it is based on the utmost good faith of both parties. On an insurance policy, the insured is expected to provide any material facts which is information that may be deemed relevant to the risk that is being insured. If you do not disclose all material facts then the insurer is within their rights to reject your claim even if they did not ask you the specific question in the insurance proposal. It is this act that probably gives the insurance industry their bad image of "getting out of anything" when it comes to claims.

A recent movement has been made to abolish this act which would mean that you would only need to tell the insurer what they ask you. This means that every insurance claim would have to be paid out as long as it is part of what is covered in the insurance policy and you have told the truth in the questions asked at the time of proposal. With the "get out clause" not existing, it may give the insurance industry a better name along with policyholders having a more secure policy.

The only downside is that with the insurer having to pay out more claims, they will inevitably have to pass these costs on to the consumers which means an increase in insurance premiums for us all. The change is currently only at the draft stage but it is likely it will go to parliament early next year and if passed it will effect almost every insurance policy sold here in the UK.

The contract is a rolling monthly policy, governed by UK law - would that make it an 'implied' condition in the contract?

(Sorry, just thinking out loud)

http://www.postonline.co.uk/post/fea...n-with-the-new

http://www.legislation.gov.uk/ukpga/...ntents/enacted

http://www.legislation.gov.uk/ukpga/...0120006_en.pdf

[charitynjw]

Re: Medical Insurance Pre existing conditions

http://www.postonline.co.uk/post/fea...n-with-the-new

http://www.legislation.gov.uk/ukpga/...ntents/enacted

http://www.legislation.gov.uk/ukpga/...0120006_en.pdf

Nice one, AC!

The 'qualifying misrepresentations' shown in Schedule 1 are for deliberate, reckless & careless misreps.
Innocent misrepresentation therefore is not a 'get out of jail free' card for the insurer.

& I would echo Bill-K's compliments re *Turbo, & all the rest of you guys for fighting the good fight.
Power to the people!

*Even if he is a 'Queen' fan - well, no-one's perfect, are they?................

[des8]

Re: Medical Insurance Pre existing conditions

sorry mis posting

[Angry Cat]

Re: Medical Insurance Pre existing conditions

Nice one, AC!

The 'qualifying misrepresentations' shown in Schedule 1 are for deliberate, reckless & careless misreps.
Innocent misrepresentation therefore is not a 'get out of jail free' card for the insurer.

& I would echo Bill-K's compliments re *Turbo, & all the rest of you guys for fighting the good fight.
Power to the people!

*Even if he is a 'Queen' fan - well, no-one's perfect, are they?................

And not forgetting: 'Reasonable Care', of course!

http://www.mills-reeve.com/cidr-house-rules/

[charitynjw]

Re: Medical Insurance Pre existing conditions

And not forgetting: 'Reasonable Care', of course!

http://www.mills-reeve.com/cidr-house-rules/

Ah!

Re above link
"A consumer insurance contract entered into after 6 April 2013 will not be subject to the requirements of the utmost good faith as set out in the Marine Insurance Act 1906;"