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AngryPolicyholders.com
  • Tuesday, 24 April, 2018
AngryPolicyholders.com
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    • Car Clocking
      Car clocking gang behind multi-million mile clocking scam convicted

      Car clocking gang behind multi-million mile clocking scam convicted

      HPI teams up with LTU to raise awareness of the dangers of car clocking in the passenger transport industry

      HPI teams up with LTU to raise awareness of the dangers of car clocking in the passenger transport industry

      Brexit vote shouldn't stop UK government making mileage correction services illegal

      Brexit vote shouldn't stop UK government making mileage correction services illegal

      Car Clocking Crisis hits passenger transport industry

      Car Clocking Crisis hits passenger transport industry

    • Project Parker
      The APH Team launches Project Parker

      The APH Team launches Project Parker

      Is my driving licence at risk if I'm not licensed correctly?

      Is my driving licence at risk if I'm not licensed correctly?

      Businesses have a 'duty of care' to only hire legal chauffeurs

      Businesses have a 'duty of care' to only hire legal chauffeurs

      The Corporate Manslaughter and Corporate Homicide Act 2007, a prosecution waiting to happen

      The Corporate Manslaughter and Corporate Homicide Act 2007, a prosecution waiting to happen

    • Seven Families
      Knights family are the seventh family to benefit from the Seven Families campaign

      Knights family are the seventh family to benefit from the Seven Families campaign

      Fifth family announced by Seven Families

      Fifth family announced by Seven Families

      Seven Families introduces Paul's and Vicky rehab assistant, Emma

      Seven Families introduces Paul's and Vicky rehab assistant, Emma

      Nikki Thornley, named fourth family to benefit from Seven Families project

      Nikki Thornley, named fourth family to benefit from Seven Families project

    • Work Tasks
      Angry Policyholders 'work task' campaign featured on Rip Off Britain

      Angry Policyholders 'work task' campaign featured on Rip Off Britain

      How ill do you have to be to get an insurance payout?

      How ill do you have to be to get an insurance payout?

      The APH Team supports LV='s move to 100% own occupation

      The APH Team supports LV='s move to 100% own occupation

      How To Dig a Hole on Social Media When Someone Complains, part 1

      How To Dig a Hole on Social Media When Someone Complains, part 1

    • Consumer News
      Brexit vote shouldn't stop UK government making mileage correction services illegal

      Brexit vote shouldn't stop UK government making mileage correction services illegal

      5 million tenants in the UK have no protection in place to pay their rent

      5 million tenants in the UK have no protection in place to pay their rent

      Identity fraudsters target current accounts with the biggest risk to young tenants in London

      Identity fraudsters target current accounts with the biggest risk to young tenants in London

      Police forces across the UK warn the public about courier fraud

      Police forces across the UK warn the public about courier fraud

    • Scams
      Insolvency Service bans fine wines scam director

      Insolvency Service bans fine wines scam director

    • Features
      Lloyd's of London to pay biggest ever personal accident claim

      Lloyd's of London to pay biggest ever personal accident claim

      Momentum gathers to make car clocking illegal in the UK, following undercover investigation

      Momentum gathers to make car clocking illegal in the UK, following undercover investigation

      The Insurance Act 2015: The significant changes to insurance law explained

      The Insurance Act 2015: The significant changes to insurance law explained

      From consumer campaigner to investigative journalist

      From consumer campaigner to investigative journalist

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The APH Team | Investigations and Campaigns
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The APH Team | Investigations and Campaigns

Breaking News

Features Lloyd's of London to pay biggest ever personal accident claim

Protection Insurance Insurance - How to get satisfaction

Protection Insurance Misconceptions by policyholders diagnosed with HIV raised in recent survey

The Wall of Shame Taxi and private hire drivers were targeted by a Loan Shark in Plymouth

Personal Finance Top 10 tips for hassle-free complaining to gain redress

Features Momentum gathers to make car clocking illegal in the UK, following undercover...

The Wall of Shame RSA claim handler jailed for £55,000 fraud and abuse of position of trust

The Wall of Shame Two Royal Mail workers jailed for £1 million cheque fraud

Claim Statistics Record amount paid out in protection insurance claims during 2015

Protection Insurance VitalityLife enhances existing product range, along with launching two new Whole of Life...

Work Tasks | Campaign against task based definitions in income protection policies

Income protection insurance provides policyholders with a tax-free income in the event they are unable to work through sickness or accident. However, as our founder, Chris Hargreaves found out to his cost not all income protection policies are the same.

Policies are underwritten in general using three definition; own occupation which is the superior definition, suited and finally ‘task based’. The campaign against ‘task based’ definitions was launched after Chris was refused a claim by insurance giant Scottish Provident. The case which was ‘high-profile’ and featured in the national press, media and specialist trade magazines including;The Times, The Mail on Sunday, The FTAdvisor.com, Yahoo! Finance, Which?, Cover Magazine and on the BBC consumer programme Rip Off Britain.

The case and campaign which took 2.5 years resulted in UK insurers agreeing to underwrite income policies using own occupation and to stop the use of the useless ‘work task’ based definitions. The campaign was supported by industry experts, UK insurers and the public resulted in consumers with manual occupations being able to get cover for their occupation rather that being assessed on their ability to do a number of set tasks – such as being able to hold a pen, walk 200m on a flat surface, read 16 point print or being able to communicate in a way to be understood all with the assistance of others or aids.

Angry Policyholders 'work task' campaign featured on Rip Off Britain

Angry Policyholders 'work task' campaign featured on Rip Off Britain

Work Tasks
Dec 1st, 2014015991
How ill do you have to be to get an insurance payout? Work Tasks
Tuesday, 22 July, 2014

How ill do you have to be to get an insurance payout?

The APH Team supports LV='s move to 100% own occupation Own Occupation Insurers
Tuesday, 25 March, 2014

The APH Team supports LV='s move to 100% own occupation

How To Dig a Hole on Social Media When Someone Complains, part 1 Work Tasks
Saturday, 25 January, 2014

How To Dig a Hole on Social Media When Someone Complains, part 1

Result for The APH Team campaign. Aviva writes ALL IP policies as own occupation Work Tasks
Monday, 21 October, 2013

Result for The APH Team campaign. Aviva writes ALL IP policies as own occupation

LV= backs COVER’s IP Campaign Work Tasks
Friday, 20 April, 2012

LV= backs COVER’s IP Campaign

Income Protection Task Force backs ADL and ADW campaign Work Tasks
Thursday, 19 April, 2012

Income Protection Task Force backs ADL and ADW campaign

Project Parker | Investigation into illegal chauffeur services in the UK

Angry Policyholders was contacted by the UK trade association for the private hire and chauffeur industry who had serious concerns about the insurance implication for consumers and businesses using unlicensed chauffeur services.

Tasked with investigating the UK insurance industry Angry Policyholders was shocked that it was possible to obtain insurance without ever being asked to provide evidence that the service, vehicles or driver were acting in accordance with the law. The investigation quickly expanded to investigate the UK financial service sector after serious concerns and failing were discovered whilst investigating UK insurers.

This investigation which is still ongoing will have serious ramifications for the UK financial and insurance industry after systematic failing were uncovered by Angry Policyholders. Due to the sheer scale of the problem several other investigations were started by Angry Policyholders and The APH Team.

The APH Team launches Project Parker

The APH Team launches Project Parker

Project Parker
Jul 27th, 2014131158
Is my driving licence at risk if I'm not licensed correctly? Project Parker
Friday, 27 June, 2014

Is my driving licence at risk if I'm not licensed correctly?

Businesses have a 'duty of care' to only hire legal chauffeurs Project Parker
Friday, 2 May, 2014

Businesses have a 'duty of care' to only hire legal chauffeurs

The Corporate Manslaughter and Corporate Homicide Act 2007, a prosecution waiting to happen Project Parker
Sunday, 27 April, 2014

The Corporate Manslaughter and Corporate Homicide Act 2007, a prosecution waiting to happen

The Scottish Law Commission on Scottish exemptions Project Parker
Thursday, 17 April, 2014

The Scottish Law Commission on Scottish exemptions

The Elephant in the room within the UK chauffeur industry Project Parker
Thursday, 10 April, 2014

The Elephant in the room within the UK chauffeur industry

The scams rogue chauffeurs use to avoid licensing Project Parker
Wednesday, 26 March, 2014

The scams rogue chauffeurs use to avoid licensing

Seven Families| Income Protection Awareness Campaign

Seven Families is a charity led campaign to provide a tax-free income for one year to seven people who have lost their income because of a serious or long-term illness or disability. The initiatives aim is to highlight the need for people to plan financially in case they become too ill to earn an income where the main breadwinner has been forced out of work by an accident or illness and not received any related insurance pay out.

The campaign has three aims: To raise public awareness of the financial impact of long term illness or disability; to help seven real families who are facing financial meltdown; and to demonstrate the value of independent living support, rehabilitation and counselling, through trying to help get people back to work.

The campaign is supported by a number of charities, organisations, journalists, insurers, industry experts and Angry Policyholders.

Funding Companies:
Aegon, Ageas Protect, Aviva, British Friendly, Canada Life, Cardif Pinnacle, Ellipse Exeter Friendly, Fineos, Friends Life, Hannover Re UK Life, LV=, Royal London Pacific Life Re, PruProtect (VitalityLife), RGA, Scor, Scottish Widows, Unum, Zurich.

Knights family are the seventh family to benefit from the Seven Families campaign

Knights family are the seventh family to benefit from the Seven Families campaign

Seven Families
Sep 12th, 201501268
Fifth family announced by Seven Families Seven Families
Monday, 30 March, 2015

Fifth family announced by Seven Families

Seven Families introduces Paul's and Vicky rehab assistant, Emma Seven Families
Thursday, 5 March, 2015

Seven Families introduces Paul's and Vicky rehab assistant, Emma

Nikki Thornley, named fourth family to benefit from Seven Families project Seven Families
Monday, 16 February, 2015

Nikki Thornley, named fourth family to benefit from Seven Families project

Seven Families returns to Bolton to see Paul's progress Seven Families
Tuesday, 10 February, 2015

Seven Families returns to Bolton to see Paul's progress

Daniel Pinder travels to Exeter to meet with his Seven Families case manager Seven Families
Thursday, 15 January, 2015

Daniel Pinder travels to Exeter to meet with his Seven Families case manager

Seven Families returns to witness the Clarke family's journey Seven Families
Sunday, 14 December, 2014

Seven Families returns to witness the Clarke family's journey

The APH Team investigates complex cases that are in the public interest. Along with complex consumer and criminal cases, Angry Policyholders also campaigns to raise awareness of issues that are affecting consumers across the UK, especially cases where consumers are either being put at risk or could suffer a financial loss through poor practices or complex scams.

The APH Team is experienced in investigating cases of all sizes and depending upon the current case load the team brings in experts who specialise in the field to enable cases to be brought to a successful conclusion.

 

Current cases | Project Parker, Operation Shield, Car Clocking

Previous cases | Work task – activities of daily living definition in income protection policies. CLOSED
Background: This case was successfully concluded after two-and-a-half-year campaign when all UK insurance companies agreed to stop selling these definitions and only sell the far superior own occupation definition.  

 

If you have a case you feel needs investigating or support with a campaign please don’t hesitate to get in touch with one of our team.  You can contact us here in confidence

Featured in
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AOL logo
NPHA
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LeanOnUs
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  • Protection Insurance
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During 2009 our founder, Chris Hargreaves was refused a payout on his income protection claim by Scottish Provident leading to a 2.5 year battle.

Having succesfully overturned his refused claim three times with the Financial Ombudsman Service, Chris and his wife Nicola created angrypolicyholders.com to help others in their hour of need.

Today, Chris and Nicola fight on consumers behalf and raise awareness of the Good, Bad & Ugly of the insurance and financial industry, helping consumers overturn nearly £1 million of refused claims.

If you have a problem or just need some advice please don't hesitate to contact us.

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