Sorry to hear.
I’d taken my policies out when I got my first mortgage, about 26 years ago. I’ve only had symptoms for about 18 months.
@PaulMcGaw, I’m sorry to hear this, massively frustrating and nonsensical.
Glad you thoroughly investigated everything and tried every avenue, but doesn’t feel fair at all that you didn’t get compensation. Really respect your perseverance (especially at what must be an incredibly tough time already) as well as raising awareness, but so sorry about the unsuccessful outcome - you’re not alone and so many others seem to have been tripped up by fiddly wording or really unreasonable policies.
Saw this article the other day, so sounds like you’re not the only one who has been affected by quite maddening logic with critical illness insurance policies: Aviva denied our sick son help after five-month wait | Insurance | The Guardian
So you don’t get caught like me, use the phrase if you have had MS symptoms in the past it is best to say not to the best to the best of my knowledge. It is not a lie as you didn’t have a magic crystal ball to look into the future.
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