Again huh!! insurance is a big effing rip off!!! The sales team are so good at bullsh*tting us to sign on the dotted line and yet when it comes to us making a claim and getting back some of what we have paid in its a big fat NO..........

If you read the small print (better still, understand their mad legal ramblings) it will tell you what you can or cannot claim for and how you can't claim if there are pre existing health problems, i.e., if you smoke and get lung cancer or similar, they wont pay out. Maybe they will pay out if we got whisked away by aliens or attacked by a rogue breed of cockroaches....... who knows??

Biggest huggles hons, sorry to hear you are getting messed around by insurance companies.