Further to my last review Further to my last review I have recently had spinal nerve issue which has left me disabled they won’t payout as I answered a question wrong on the policy in 2013 the question was Have I had in past 5 years been doctors for Lupus,ankylosis spondylitis, gout , or any form of arthritis , neck , back , spine or joint trouble example rheumatoid arthritis, sciatica I put no not realising it meant back ache which every one just about has had I went doctors 3 times in my 43 years of life about my back before taking out the policy I only went to get painkillers so I could keep working I’d never had time of work even though it is a heavy manual job and it was muscular pain So they have decided to exclude my back from the policy and also my spine and anything spinal Oh but I’m still covered for lupus etc which is in the same question I’ve never been doctors about my spine so why are they excluding it on the policy now The answer I got is because they can exclude anything they want it’s up to them as a company and they can add spine as well as back to the exclusion I said how can you include spinal cord in this His reply it’s a secret that the underwriters have with the regulator so the customer or competitors dont know So it’s a secret Well in the end there not paying out for a spinal cord hernia because I answered the question wrong I should have put yes because I had been doctors for back ache which was muscular in my back Not my spine or spinal cord Next step is the ombudsman and then solicitors Beware this company has loopholes and secrets you are not aware of until it comes to them paying out I just hope people will see this company for what it is A rip off and I’ll be reporting them