It really is a minefield.People have to be very careful and check their policies.Even though my health is excellent.I am now wary of even travelling.The costs are prohibitive.On the point of premiums I would say yes we have been paying for pre-med cover in the past.In conclusion,yes lessons to be learned.

Once again a mine of information.There has been since 2005 2 address changes and from single trip to annual.I now realise that yes we should check the wording but I have foolishly relied on the"providing there have been no changes" paragraph.On a lighter note,makes you think to check your windscreen cover etc. Once again many thanks for your advice and guidance.I probably will keep searching for the necessary information just for personal satisfaction.Aviva-well I just do not trust them and never would again even though we originally took the policy out with Norwich Union in 2005.It really is a rip off ie. last year age 70 this year 71-heyup lets double his premiums.Unclebulgaria67 you are a godsend.Thank You

Once again many thanks.I feel more at ease and will certainly contact the companies you have mentioned.When you know you are right,it is very difficult to let go.I will persevere and keep checking my bank statements back to 2005.Clearly something is missing and I hope to find the answer.When the money is taken out of your bank every year and the premiums increase every year you tend to feel secure.When you are told that you should read the small print every year to check that you are covered only to find out you are not and over a certain period never have been you do get a bit upset.I have renewal notices that clearly state "providing there have been no changes" your policy will be automatically renewed on the due date.Never had a reason to challenge until this year when for some reason,it's nearly double.So I say to the wife "not paying that we'll go single trip instead of annual.Oh boy that was the proverbial can of worms.

Many thanks for your prompt and informative reply.We know for fact that we were insured by NU in 2005 and also that pre-med was declared.Suffered a heart attack 2004 and our daughter had just moved to the USA due to her husbands job.It was essential that I covered every eventuality. Medically and statistically I was not a high risk. Now 11yrs on and I am probably fitter than I ever was but getting insurance now is a nightmare.Aviva have stated that they would refund but I cannot find the necessary information at this stage.The bank have suggested with a large degree of patience,I will find it due to banking online and having access to all my statements.I am getting quotes from other insurers now but the business with Aviva is a principal thing and I would like to beat them but realistically I doubt it.Once again many thanks.I really do like this forum.I've even donated.

I have had travel insurance with Norwich Union/Aviva since 2005.Aviva are now telling me that I have only been insured with them since 2009.My bank statements show DD payments from March 2010 even though Aviva state categorically 2009.It would appear that we need to know the name that would be used to identify the necessary DD withdrawals prior to 2010 and back to 2005.It has been suggested abbreviations such as N.U.G.I,Norwich Union General,G.U.They all seem practical but do not register with the bank.This has all transpired since annual increases and a desire to change from annual to single trip.I was informed that I had never declared pre-medical and consequently would not have been covered.This has never been the case as far as we as a family were concerned.The Norwich/Aviva transition apparently was in 2009.Any help would be greatly appreciated.We just need to know that we are right.