I just need some advice.
I took out a mortgage on an apartment but as I didnt earn enough on my own my dad went on the mortgage also. I had to take out life cover on my dad for 70K. I got this cover in place on signing, I was meant to get a doctors letter signed but my doctors office never sent back to form and the insurance broker issue the cover anyway,two months later my dad got a bad chest infection and he asked the doctor to see someone else and he went to see a consultant, he is ok thank god. But a couple of months later a stand in doctor must have found the orgional request from the insurance co. and sent it back containing details about the consulant visit. They have come back to me saying the are going to cancel due to non disclosure. I dont see how they can as this happened after the policy was issueed and would never have been on the form had the doctor filled it out at the time.
Im obviously fighting the co that they cant cancel this policy, but what I also want to know if they cancel this policy what will happen with the bank.
Any advice would be great thanks.
I took out a mortgage on an apartment but as I didnt earn enough on my own my dad went on the mortgage also. I had to take out life cover on my dad for 70K. I got this cover in place on signing, I was meant to get a doctors letter signed but my doctors office never sent back to form and the insurance broker issue the cover anyway,two months later my dad got a bad chest infection and he asked the doctor to see someone else and he went to see a consultant, he is ok thank god. But a couple of months later a stand in doctor must have found the orgional request from the insurance co. and sent it back containing details about the consulant visit. They have come back to me saying the are going to cancel due to non disclosure. I dont see how they can as this happened after the policy was issueed and would never have been on the form had the doctor filled it out at the time.
Im obviously fighting the co that they cant cancel this policy, but what I also want to know if they cancel this policy what will happen with the bank.
Any advice would be great thanks.