I’m very stressed, very dissatisfied and extremely annoyed at how I have been treated, from the start of my claim I was made to feel like a 2nd class, like I was begging. I have or at least had planned for then expected by having mortgage protection insurance with this company. The first call to them I spoke to an adviser who though he could and would speak to you as if he was the gate keeper, he made me feel like I was in the wrong for attempting to make a claim. From there it has gone down hill, from my claims manager to any of the advisers, Yes I will admit I’m very short and to the point with them when I call but they have done nothing to make me feel any different towards them. Mortgage protection should be instant not having to wait weeks, now becoming months, I started the claim early December and I’m still only at the first gate. When initially taking the insurance I was never asked for medical records etc, now I’m told they have to check my health first, What the hell does a twisted knee have to do with previous health, if it has only just happened?? I’m now so close to disregarding my doctor and contemplating going back work on a damaged knee just so I can pay my mortgage. Two payments now have had to be covered by credit cards. I explained this to my so called case manager, she sounds like she really does not care, neither do the advisers, I’m now stressed, not sleeping, arguments in the home constantly. They correspond via snail mail 2nd class mail, apparently they don’t have e-mail addresses to send correspondence. Which company in today’s times does not have e-mail for corresponding? Three times I sent my paperwork in twice they lost it? I’m looking to get the ombudsman involved, avoid these if possible, the only reason why I used them was my financial adviser set up the policy. Shop around check reviews, I’m pretty sure most of the good reviews on here are fake. Terrible customer service, terrible customer care, slow, inefficient.

This is the worst Insurance Company that I have come upon and would never recommend them to my worst emery let alone my friends. Had I known about the negative and incompetent attitude I would be experiencing when making a claim I would have never ever considered in insuring my house building with them. Basically, I recently had to put in a claim for water damage that occurred to our outside wall and our inside bedroom wall and ceiling as the water had seeped through the chimney. After reporting the claim, their Customer service representative placed it as Storm Damage as they did not have any other means that they could put. To my cost, I later realised that this was their 'Get out of Jail' card in not paying out under the claim. Despite the Independent Asser saying that she will recommend/confirm that I had a valid claim as I had 'Accidental cover' to the Insurance Company in respect of the damage to the inside bedroom wall and ceiling. This was however rejected by Convea Insurance as they decided to use their Get of Jail card of Storm Damage. They insisted that the damage caused to the inside wall/ceiling was due to continuous water seeping into the walls trough the chimney and not a one off storm incident, which the Insurance only covers. This is despite their own independent Asser advising that the claim was valid. Furthermore, when I asked for a copy of the Asser's report, despite assuring me that they will email it to me, they have so far not done so. The bottom line is never ever consider taking any Insurance cover from this Company. They are just a bunch of people  who on the face of seem fine, but deep down they are the worst public company that I have ever dealt with