If you have been declined insurance, you may still be able to obtain cover.
It is important however not to make any rash decisions. At Platinum we have a proven track record in helping people who have been previously declined insurance. We do this in a number of ways:
- We know all the insurers and their criteria
- We make sure we understand your situation fully before making an application
- We can talk directly to underwriters about your specific case
- We can discuss alternative cover that may meet your needs
To improve your chances of obtaining cover, it is important that you do not keep on applying to various providers. Too many declines could mean that a provider who would have accepted you, may now also decline your application.
We only submit an application to a provider when we have discussed the case fully with yourself and the insurer, and we feel it has a reasonable chance of success.
Whilst we cannot guarantee that we can obtain insurance for you, using a company like ours that has had experience in this particular field will greatly improve your chances.
As always we are keen to make you fully aware of how we work on your behalf and what the possible outcomes may be. Platinum will not charge you for the advice given or work undertaken.
Below are possible outcomes :
- The insurance company will accept your application on standard terms
- The insurance company will accept your application but charge you an increased premium
- The insurance company accept your application but will not cover certain eventualities (e.g. heart attack or death from stroke) - these are normally known as exclusions
- The insurance company accept your application but include some exclusions and charge you a higher premium
- The insurance company decline your application
- Whatever the outcome, Platinum will not charge you a fee
Please feel free to contact us regarding any aspect of this subject.
For a no-obligation quote, please click the button below.
