derynw
Active Member
Anyone ever had their insurance co change an exclusion retrospectively so that they can now refuse claim right out.
Insured with reputable (so I thought) company and have had a few claims that were treated ok. Claimed two years ago for fracture and given the usual exclusion on renewal though they wanted to exclude the whole skull. I questioned exclusion and got it reduced to excluding fracture on basis of report from vet. Now have claim in for other problem with head and they are refusing to pay on basis new problem is in same area as old fracture. But to add insult to injury they are saying that if vet had reported that there was still small lump where fracture was they wouldn't have changed the exclusion to be just fracture so they now say changing exclusion back to whole skull effective from 2012 renewal date. So won't accept claim on that basis either.
This only came up after I had lodged complaint.
Am I being paranoid but does this hint of sour grapes to you and is it just a desperate measure on their side as believe that there original reason for declining was not very strong.
Will never take out horse ins again going to start savings account when I have money to spare. None spare at moment as having to pay vet bill in instalments just in case.
Now composing letter for next stage of complaints procedure and determined to take to ombudsman if necessary
Insured with reputable (so I thought) company and have had a few claims that were treated ok. Claimed two years ago for fracture and given the usual exclusion on renewal though they wanted to exclude the whole skull. I questioned exclusion and got it reduced to excluding fracture on basis of report from vet. Now have claim in for other problem with head and they are refusing to pay on basis new problem is in same area as old fracture. But to add insult to injury they are saying that if vet had reported that there was still small lump where fracture was they wouldn't have changed the exclusion to be just fracture so they now say changing exclusion back to whole skull effective from 2012 renewal date. So won't accept claim on that basis either.
This only came up after I had lodged complaint.
Am I being paranoid but does this hint of sour grapes to you and is it just a desperate measure on their side as believe that there original reason for declining was not very strong.
Will never take out horse ins again going to start savings account when I have money to spare. None spare at moment as having to pay vet bill in instalments just in case.
Now composing letter for next stage of complaints procedure and determined to take to ombudsman if necessary