INSURERS WHO WON’T PAY OUT IF A BURGLAR PICKS YOUR LOCK
THIS is unfortunately the way of things. My insurer refused to pay out as I had the wrong type of open-heart surgery. Total charlatans — I paid £90 a month for almost 20 years. C. B., Kinross. WHAT annoys me is that the couple in question had done all the right things and bought the necessary protection products — only then to be thwarted by nonsense technicalities. Y. S., Ashford. WHEN it comes to insurance, people want everything for nothing, so insurers offer what customers want: cheap policies. Comprehensive critical illness cover can be easily £100 per month, so a policy at just £22 per month will have many clauses and limited cover. S. P., Cheltenham, Glos. INSURERS trade on fears: they promise the Earth in order to get your business, then find every excuse in the book to avoid meeting their obligations. A. L., France, via email. IT’S incredible how many life-limiting conditions are not covered by critical illness insurance. Always read the list of conditions first. B. F., Yorkshire. IF YOU go into a car showroom and buy a Ford Fiesta, you don’t complain when you’re not given a Range Rover. Stop whingeing and accept responsibility for the agreements you’ve signed. U. T., via email. WHEN you find yourself lying in intensive care, with your life flashing before your eyes, the difference between having a heart attack and a cardiac arrest is of no importance. M. M., Larnaca, Cyprus.
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