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

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

My husband and I are looking to take out income protection to cover our earnings should we become ill....
I want an income protection plan as I only get 6 months of full sick pay and then half pay for another...
I’ve been looking at both income protection and accident, sickness and unemployment insurance,...
I’m a 27 year old woman and have a family history of cancer. I’m hoping to be able to get...
Need Help? Live chat now and get an instant answer from our Experts...


Our Latest Reviews
Elizabeth Owen

Sam was knowledgeable and attentive and spent a long time explaining and working out what Income Protection insurance would be best for me.

Adam Doree

I researched Drewberry to make sure they would be likely to add value to the confusing process of finding suitable insurance – and they delivered completely; I was very impressed and feel like they added real value in terms of consultation and guidance. Would recommend without hesitation.

Jonathan Moss

Will is fantastic went through everything in detail really helpful and ultimately ensured that I went with the best product for my circumstances. Thanks!

We are rated 4.9/5 based on 1129 independent client reviews.
To read more of our independent client reviews click here →
4.92 / 5 Average
1,263 Reviews
Overall Rating
SAM Carr was exceptional, he made my life very easy by explaining all the details very clearly whilst giving me the best advice possible for myself.

Would recommend to a friend!
Overall Rating
Provided the advice & guidance that I needed
Overall Rating
The overall experience which I have had can be summarized by Professional, Swift and friendly. I would recommend the service to others.
Overall Rating
Extremely helpful and rapid service at short notice.
Overall Rating
Very clear explanations of the options and then efficiently processed the transaction