17 December 2021 - 10:00
Should you have a complaint against your insurer, you should first contact them to try to resolve the problem.What’s the difference between life cover and short-term insurance cover? Life insurance is aimed at protecting the insured person, their family, estate or creditors in the event of death or loss of income due to disability or illness. Short-term insurance provides protection against the loss or damage to your property, such as your motor vehicle or home.Credit life cover is generally taken to protect a creditor and your estate when you take a loan from a creditor.
Depending on the relevant policy terms and conditions, the insurer may reinstate a lapsed policy provided that the applicable conditions of cover have not changed. The insurer may request that you pay all the arrear premiums and complete a health declaration to consider the reinstatement.Policies can be taken out for a certain term, for your whole life or for the term of the loan, depending on the product offering.
Should you have a complaint against your insurer, you should first contact your insurer to try to resolve the problem. If the problem is not resolved, submit a complaint to the ombudsman, who will be able to provide you with free, efficient and fair dispute resolution.
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