Insurance policy document wording differances

[DucketyDuckDuck]

Hello can anyone assist?

We took out some insurance with a bank, and received a policy document.

All correspondence regarding the policy was written on the bank headed notepaper and the policy document has the bank name all over it.

I don't want to go in to too much detail, but we claimed and we did receive some payment.

However, there has now been a "disagreement" and suddenly we are receiving letters from the insurance company who underwrote the policy. They are quoting from their policy wording, and I am quoting from the bank policy wording, which are different.

We never received the insurance company policy document, only the bank one.

They have just sent a letter when I have pointed out the difference in wording. All they have put is "I notice you are quoting from the policy document, you have the wrong one" . Helpful.

The difference in wording means alot of money to us.

I don't want to go into the guts of it. But can anyone tell me if I am a little bit within my rights to argue?

I'd think you were within your rights.
You might want to think about making a formal complaint to the Insurance Company - they have 8 weeks to look into this then you can ask the Financial Osbudsman Service who can look into it further.

www.financial-ombudsman.org.uk/consumer/complaints.htm

Thanks for replying. I have taken some legal advice and they feel the same!

Thank you.

I work for an insurance company and we have to be very sure customers see the right policy documents. The insurance company have to honour the terms of the documents you've been given.

I'm very surprised that the insurance company are arguing over this as it's very clear. I would write to them pointing out the issue before you make a complaint to the ombudsman. You may find they admit their fault to save the cost of handling a complaint.

Gosh thank you no cake. I will do that. It really has been bothering me.