Active Quote provided me with a quote stating that the Sickness Insurance policy had "Day 1 wait period". I therefore took out the policy on the basis that the wait period was 1 day. When I went to make a claim recently the Insurer told me that the wait period was actually 30 days so I was unable to claim. This policy was mis-sold due to Active Quote having stated the wait period incorrectly. Their website and quote made absolutely no reference to the 30 days, and as it was so clearly stated by them as being 1 day I didn't check further documentation that arrived after the policy had started. Stating that they didn't provide advice is no defence as they did provide the information about the policy that was wrong which constitutes mis-selling. It is terrible that they fail to take any responsibility for providing incorrect information! The Financial Ombudsman has now assessed my complaint and made their initial ruling in my favour, agreeing that ActiveQuote mis-sold my policy by providing incorrect information, and directing ActiveQuote to refund all premiums that I paid with interest.
1 year ago
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