Q: I would like to find out what exclusions would apply on the payment protection insurance policy for my partner, who is a self-employed builder, and had a decompression operation on his lower back in May 2009.
A: If you are self-employed your ability to claim on the unemployment part is restricted, it is on cease to trade basis.
The payment protection insurance policy wording states ” If You are Self-Employed and You are making an Unemployment claim, You must provide proof that:
You have involuntarily ceased trading and declared this to HM Revenue & Customs. You will be required to supply a copy of this notification to Us”
In terms of back problems the payment protection insurance policy wording states -
” This payment protection insurance policy does not cover any period of Accident or Sickness:
i) which occurred before the Start Date;
ii) resulting from any Chronic Condition from which You knowingly suffered on or before the Start Date;
iii) as a result of any medical condition for which treatment had been given or diagnosis had been made or investigations commenced during the 12 months immediately before the Start Date and which comes back within 24 months after the Start Date. (This exclusion will not be applied after 24 months have passed without treatment or advice for that medical condition.);
iv) resulting from spinal and related conditions unless there is radiological medical evidence of abnormality confirmed by a Doctor;”
I hope that this answers your query. Full payment protection insurance policy wording and a quick quote facility is available online at www.britishinsurance.com.
If we can be of further assistance please do not hesitate to contact us again either by email or on 08450 175 178.