Can i sue my union who organise and change my income protection?

Two years ago I claimed on my income protection with positive outcome for a disease called Keraticonus but this year I realise that my union has changed the insurance company and the new policy only covers me based on a sickness definition which results in total or partial disablement within 12 months after manifestation.


If still under the old insurance I would be covered but with the new insurance I have no chance. The union as a bargaining agent has promised a better deal and better cover but it was not the case, this decision has caused 8 week of lost of income for me.


Can I sue union ??

Question asked by Martin Walker
Compare Top 10 UK
Takes approx. 60 seconds
Type of Policy
Income Required
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 0208 432 7333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Tom Conner

Hi Martin,

I’m sorry to hear about your situation. We tend to specialise in arranging individual policies for people where they stay with the same insurer long-term.

Seek advise from an expert

In this case it sounds like you have cover through your Union and they have changed the insurer to one with weaker cover and it’s had a very negative impact on your ability to continue your claim. As this is a legal issue it might be worth contacting the Citizens Advice Bureau and making a complaint to both the Union and the new insurer. If you are not satisfied with the outcome of the complaint you can then take it to the Financial Ombudsman Service who has the power to award compensation.

As we don’t arrange cover for Unions I cannot really help much more than that, apologies. I wish you the best of luck in resolving this. Once you have it might be worth looking into taking out your own policy so something like this cannot happen in the future rather than using the Union scheme.

Kind Regards,

income protection
citizans advice
financial ombudsman service
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
Need help? 
Call us on 

Frequently Asked Income Protection Insurance Questions

If i take out income protection now and need to make a claim will i still be eligible for any benefits...
I’m just about to take out some income cover but wondered if I can have two plans with two different...
A friend has told me about Income Protection insurance and i think i should get it. Would i be covered...
I applied for Income Protection a couple of years ago and got declined. I’ve been thinking about...
Need Help? Live chat now and get an instant answer from our Experts...


Our Latest Reviews
Andrew Giles

From start to finish a very professional and courteous outfit. A very efficient company with a no nonsense approach. Would recommend.

Mark Burbidge

First class service from start to finish. Sam Carr was very helpful in setting up my new insurance policies. He kept me up to date throughout the process and provided full explanation and advice on the products and was always available to help.

Doug Muirhead

Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family.

We are rated 4.9/5 based on 1512 independent client reviews.
To read more of our independent client reviews click here →
4.92 / 5 Average
1548 Reviews
R Steer
Overall Rating
Josh, Nick & Sam helped me set up PHI & Life insurance when I set up my own company. The application process wasn't straight forward due to my medical history, but the team made everything as simple as possible.
C Ash
Overall Rating
I have not started my health cover yet, bus so far the introduction has been very efficient and speedy.
G White
Overall Rating
Clear and concise information
D Muirhead
Overall Rating
Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family
S Walker
Overall Rating
Great service, independent advice, not pushy and very consultative. I would have no hesitation in recommending.