Cirencester Friendly Avis 

I’ve been a long-term policyholder with this company for nearly 20 years so my experience with them has been particularly disappointing.

I recently submitted a claim and it was declined on the basis that my situation did not meet their definition of a ‘disabling illness’, despite medical input. While communication was polite, the process felt rigid and heavily dependent on narrow criteria rather than the overall impact on my ability to work.

I would strongly advise anyone considering this type of policy to fully understand how claims are assessed in practice, particularly around stress, exhaustion or mental health-related conditions. I was also left with the impression that stress and mental health-related conditions are not always given the same weight as more visible physical conditions, which is important for prospective customers to be aware of.

They rejected my claim despite evidence of a medical fit note being issued. I do not feel it is worth paying into their policy now and I will cancel my policy with them. I no longer have confidence in their assessors assessment of what constitutes an episode of illness and their claims process.

Beware guys this company are scammers. They don’t set up your contract directly. They use third party to set up your contract.
When they set up they will tell you all you need just sick note from your gp.when you make claim then you will see there real face. They waste my 2 month time. I sent over 120 email to chase them up. At the end they said they can’t pay me & cancelling my contract. Reason I had blood test which was my regular early check up with my gp to check everything ok. I’ve mentioned this blood test with there broker blood test results came normal. My gp even confirm them that I’ve had no issue with my blood test.
I would kindly request everyone not to trust there social media fake advertise. Don’t waste your money & time.