I have an income protection claim. They had the wrong doctors details, even though i notified them. I moved home and notified them, which they didnt update on their system. They have a disregard for the data protection act and the financial codes of practice ICOBS 8.1 Insurers: general ICOBS 8.1.1R06/01/2008 RP An insurer must: (1) handle claims promptly and fairly; (2) provide reasonable guidance to help a policyholder make a claim and appropriate information on its progress; (3) not unreasonably reject a claim (including by terminating or avoiding a policy); and (4) settle claims promptly once settlement terms are agreed. Taking the complaint to the financial ombudsman. I have been in hospital because of them with suicidal ideation. They do not care as there is no accountability. save your money or donate to charity. I would give them a zero for being ethical, open and honest. A zero for communication A zero for following the rules. A zero for customer satisfaction. A zero as a company working in this sector- shame on you.