Discussion in 'Finance, Property, Law' started by stout0607, Mar 30, 2010.

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  1. I was wondering if I could have some advice on my Pax Insurance.

    Quite recently I have put a claim in with the PAX, . My concern is, I lost my hearing in September 2007, I didnt have my first hearing test untill mid 2008 to tell me i had hearing loss. But was never made aware it was permanant untill recently.

    The question I would like to no is, Am I too late to claim?
    and also I was 5 units in afgan but when I came back to uk I lowerd my unit, will I still be under 5 units.

    Any advice or help would be greatly appreciated.

    Thank you
  2. BiscuitsAB

    BiscuitsAB LE Moderator

    Check your terms and conditions mate. If you haven't got them then PAX will give you a straight answer.
  3. The_Duke

    The_Duke LE Moderator

    The level of hearing loss required to qualify as a total loss of hearing is defined in your policy. The first thing you need to check is that the level of hearing loss you have suffered qualifies - if it does, start the claim procedure shown on your policy. The policy wording shown on the website allows for a 2 year manifesting period - ie the loss must arise or be identified within 2 years of the event which caused it. In your case, as Dread says, the onus will be on you to prove that the event which caused the hearing loss occurred whilst you were on 5 units.

    Contrary to popular belief, they will review your claim and pay if the terms and conditions allow.

    If you have any questions, feel free to PM me. I do not work for any part of the PAX process, but am a specialist in this class of business and will happily guide you through the process.
  4. in_the_cheapseats

    in_the_cheapseats LE Moderator

    pm PAXbloke who I think is still their rep on the site. He should be able to help.
  5. In order for the 5 units of Pax to pay out for your loss of hearing then you would need to prove to the insurer that the damage occurred while you were paying for 5 units. If it happened the day before or the day after: you are screwed!

    In your terms and conditions there will be a section about making claims. I am currently doing a lot of business with Chartis London (the insurer behind PAX) and they are desperate to shut it down: it was a peacetime product where the only risks were in NI (while some had a hairy tour, the vast majority had a very safe time) and Cyprus (from drinking too many brandy sours).

    The losses in 2008 wiped out the total profits that PAX had made in the last 10 years (and then some).

    As BiscuitsAB said: contact PAX PAX Insurance Contact Page

    If they give you the brush off (as they sometimes do, if only to see if a claim is really valid), then write them a letter saying that you contacted them as soon as you realised that the damage was permanent. If you need further help then drop me a line: I do a lot of business with Chartis, and can put you in touch with a human, rather than a drone who just repeats what a computer tells him/her to.

    Good luck.
  6. Well thanks for all your advise, I have sent the form off now so am just have to play the waiting game now. As soon as I hear some thing from pax I will post the results.

  7. What was the outcome of you claim stout or does anyone know as I am currently going through the same situation