Craig, thanks for your reply. I dont know how these "Mis Sold" claims work. Although ive mistakenly thought for years that it was a business cover policy, Will the company not put the case that i should have read the details of the policy at the time? I know NOW, that its no good for a claim, was it not my fault for failing to see what i may need in the future ? Will they not say that ive had life insurance for 6 years that could possibly have been paid out? Im still at a loss for knowing what to do. cheers.

As I have had a nil response so far, I guess Ime just a bumb prat.

I took out a Mortgage in 2004 with Lloyds, Life cover not taken when offered, I already have several policies, but did take PPI. Told that as Self employed / contractor / driver, for international carrier, that I would have to take out Business cover. Appointment made, 30 min consultation, later found out consultation fee was £1,700. Policy is called “Mortgage & Business Cover with Critical Illness” This policy also covers my wife. Policy now administered by Scottish Widows.. Today I phoned Scot Wid to see if I could change policy, I will soon no longer need Business cover. Have been told that its not possible to drop the business cover portion, It is a “Life Insurance Policy”, that covers critical illness , business and unemployment. Was told this policy has no relevance to my self employment status. Was advised that if I think I was miss sold policy, then contact Lloyds. Mortgage payments of £205 per Month, & paying £75 per month for a useless “tailor made” policy, makes me feel like a really dumb prat ! I could never have even been able to claim unemployment anyway, to declare myself “non self employed”, would be classed as voluntary unemployment. Was I mis sold, or am I a Dumb Prat? Any help or advice, would be gratefully received.