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I am very sorry to read of the above and I imagine how frustrating it must be. I will certainly try to clarify the position for you.
May I ask if you have obtained a copy of the policy and are satisfied that your claim is covered under the policy please?
I'm following up on the above. Without some further information from you as above, I am limited in what I can say on the matter but in the hope it is helpful nonetheless, I will provide you with the following broad answer. If you are able to kindly provide me with the above further information or if you have any further questions generally, I will be delighted to expand on the following - please just reply back to me in this case:
Notwithstanding the above, in general terms if you are seeking the return of your policy premiums, there is generally little scope for this unless you can demonstrate the policy was mis-sold to you in some way. I will leave that here because I suspect what you are referring to is seeking payment under a claim you have made under the policy.
It can be worth obtaining a copy of the policy itself in order that you can check that your claim is within the terms of the policy in this will put you in a better position if the insurer advises you that they are not liable to pay under the policy and you can check the reasons they give if any against the wording of the policy. Notwithstanding this, if the insurer has either decided against a claim or alternatively, has decided that they will not pay a claim, if you disagree with the decision, you can raise a formal complaint with their complaints department setting out the reasons for your complaint in detail. If you remain unsatisfied on the earlier of eight weeks or therefore response to your complaint, you can escalate the complaint to the financial ombudsman for an independent determination:
I hope the above is of some assistance but if you have any further questions, please revert to me.
I trust the above was of assistance and that you do not have any follow up questions for now. If there is anything else I can help with please reply back to me though.
Thank you again for visiting JustAnswer and see you again in the future I hope.