TTNYWBM9:
You must methodically examine your policy and associated documents;
- Review the original policy and any renewal amendments. Pay particular attention to disclosure clauses of any pre-existing condition(s) and/or changes that may have affected your policy.
- Review your original application and renewal applications – ensure items affecting change were never omitted.
If you have been refused any information by any party, including your AME and CAA, submit a Subject Access Request, Section 7, of the Data Protection Act 1998:
https://www.twobirds.com/~/media/pdf...ection-act.pdf
After all information is received, carefully scrutinized and compare with items 1 and 2 above, to determine how the insurer reached their decision and if you wish to pursue the matter. Consider that insurers are protected when acting on policy information you provided (or did not) by the Consumer Insurance Disclosure and Representations Act 2012:
http://www.legislation.gov.uk/ukpga/...0120006_en.pdf
You may also find the information at this link helpful:
http://www.financial-ombudsman.org.u...ction-PHI.html
Additionally, examine all communication and information provided by your Financial Advisor or whoever sold you the PHI policy. It may have been misrepresented to you. Good luck.