Pinnacle Insurance PLC

Avoid Cardif Pinnacle at all costs.
To give you some background I am a self employed drilling materials co-ordinator working in the North Sea on the oilrigs therefore I took on a policy to cover Accident, Sickness & Unemployment back in December 2004. Everything was fine, Pinnacle was getting monthly payments, I was or thought I was covered then came the recession and the oil companies stopped drilling, my contract came to an end and I was forced to seek Job Seekers Allowance and suspend my company.
I got Pinnacles claim form filled in including the bit from my accountant and the Job Centre (Yes the Job Centre acknowledged that I am unemployed) and submitted it. A few days later I got a letter from Pinnacle asking for six months bank statements and confirmation that the accounts to cessate the business had been prepared and submitted to the HM Revenue & Customs. After several phone calls to explain this the outcome is that Pinnacle want my business total shut down, including the bank account before any claim can progress. I tried to explain that by closing down the business completely makes me unemployable in my trade as I work contracts with oil & gas operators and not one day jobs here and there. Needless to say this does not concern Pinnacle and I have now been forced to ditch Pinnacle and lose all the monies paid to them. I tried calling them several times to cancel the policy but they did not return my calls so I cancelled the direct debt. They finally sent me a letter saying they couldn’t get the monthly payment from the bank and if not paid in ten days then they would cancel the policy, no phone call, no questions why they couldn’t get paid just we are cancelling.
Thanks Cardif Pinnacle I’ve really enjoyed you taking my money for the past five years.