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Self employed Mortgage protection /unemployment/sickness Policy


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Good Morning,

 

I put in a claim on lockdown was declined (unemployment)

I appealed to FOS who upheld my complaint this week 

 

For the first three months had payment holiday for mortgage, next three months  borrowed money to pay half the mortgage,

 

Ive recieved email for the insurance that they are reviewing.

 

Would it be unfair for me to ask for full 3 months payments and 3 half payments + compensation due to the fact they declined my claim. To make ends meet my wife continued to work even though she was high risk with me home caring for our child. Pretty much a worrying and stressful time.

 

Or wait for review and if not happy then approach FOS representative who has been dealing with this ?

regards 

M

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Your entitlement should be stated in your policy documents and that is what they should pay you.

 

If you are looking for compensatory amounts (outside of policy cover) due to previous declination, then you should make some calculations of what loss you have suffered as a consequence.  Then send a letter fully explaining why you are seeking compensatory payment in addition to what is due under policy terms. If you provide reasonable justification for the amount, then hopefully it should be considered.

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