I also think you have the option available to complain about the MIG insurance policy being mis-sold to you;(posted 8069 days ago)1, Make a complaint to Abbey that you were mis-sold the MIG policy. Write to the Abbey Secretariat at Milton Keyneys and state that if they do not agree then you require a deadlock letter.
They will simply send you their complaint form, repeat your complaint on their form. There is a section on the form asking what settlement you require, cross it out or define that you expect the MIG policy to pay.
Don't be fobbed off, they may try to say that this is the responsability of the insurance company, they may say its nothing to do with them. Ignore these stupid statements by Abbey and insist on getting a deadlock letter so that you can take your complaint to the Financial Ombudsman.
2, after 8 weeks, or when Abbey supply a deadlock letter, complain to the Financial Ombudsman that you were mis-sold this MIG insurance. There is a FO complaint form on the FO web site, so you will have to repeat your complaint at least three times in all.
The FO will take several months, as many as six, to come back to you regarding this complaint.
But, I do think you have a valid complaint of insurance mis-selling. And this is the correct route to get something done about.
It costs you nothing and its well worth a try.
Good Luck.