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
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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,

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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.
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