ha ha well i'm not going with axa. ive been refused! for some reason they ask if anyone in the house has been coutioned or convicted of anything other than a driving offense. how weird is that!
____________ Natalie x
LAB LINK RESCUE Co ordinator and Forum Administrator for my sins
Jack, Molly & Maia, watched over by Tara Banana from the Bridge
It's a very good policy and you'll find that AXA underwrite around 80% of the policies for pet insurance wether you go with them direct (the cheaper option) ot not. AXA used to underwrite the M&S policy which so many of you like so it's the same policy just through AXA and not M&S.
As for the question regarding convictions, most companies assume the answer is no and dont actually ask the question on the proposal but it will be there somewhere in your documents. Plus always better to check this as it may invalidate your policy as it's a material fact. AXA (and some others) actually want you to confirm it. It's something that is required by the FSA.
[quote]As for the question regarding convictions, most companies assume the answer is no and dont actually ask the question on the proposal but it will be there somewhere in your documents. Plus always better to check this as it may invalidate your policy as it's a material fact. AXA (and some others) actually want you to confirm it. It's something that is required by the FSA.[quote]
why would they assume the answer is no regarding convictions or coutions?
lots of people have spent coutions and convictions.
its never ever been a problem before getting car insurance, health insurance, a pension, a job, renting a house or getting house insurance and a loan.
got offerd pet insurance with 4 other companys one of which i bought.
so what is the difference with pet insurance and AXA? which is pretty minor in comparison.
why would having a spent conviction or courtion affect a pet insurance policy?
If the coniction is spent as per the rehabilitation of offenders act then there is no issue what so ever and I dont think you even have to declare it or if you do they can't take any action against the person anyway.
Insurance comapnies consider this a 'moral' risk and it's just one of the things underwriters take into consideration when working our the rates for your policy or quotation. For example if someone had been convicted of theft, an insurance company would not look very favourably on this when providing for insurance (unless the conviction is spent as per above). I appreciate you may think this has nothing to do with pet insurance but insurers look upon it as an indication to the good character on the proposer and the overall risk.
When doing online quotes companies assume the answers for speed but you will usually have a statement of fact which probably somewhere in the small print does state that if your answer is different to that which has been assumed then you need to contact them.
I'm not saying thats the same for every company but most of them seem to work that way.
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