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Hi, my name’s Leighton Morris and I’m a self-employed professional photographer based in South Wales. I’m married and have a three-and-a-half-year-old boy.
Early part of 2011 I was just slowly, sort of going downhill in the way of healthwise. I went in, I was going to say for routine checks but it wasn’t routine checks at all because it was at the tail-end of a lot of examinations regarding my health, thinking I had Crohn’s disease and I was actually diagnosed with bowel cancer, which everyone else thinks ‘Argh’ but for myself it was a massive weight off my shoulders in all honesty because I had just got to a point where I just couldn’t carry on.
Renewed the mortgage about 18 months before the actual claim was made and now being like a young family I thought ‘Right, we need to get the insurances into touch’, so we sat down and went through all the different policies available for myself and more so now because we are a young family that I felt that the cover needed to be there just in case something which you don’t have planned does come about.
Paid off the large proportion of the mortgage, cleared debts and just able to invest in my business a little bit more and put some aside for a rainy day, hopefully nothing else should happen healthwise but it is there to help out if need be.
But… tell you a little story, the actual day that I had the phone call to say that yes my policy, my claim had gone through and been accepted, that morning I was driving to a job and no word of a lie I looked up at the sky and said I could seriously do with a little windfall.
Two hours later I had the phone call from the office. I’ve tried that a couple of times since but it hasn’t worked, but because I’d had to take three or four months off work, financially it wasn’t the easiest but when I was recovering and had the operation it was a case of put it to one side and I will sort it out later sort of thing so it’s just strange that things happen for a reason.
I was more than surprised, from the sort of first proper call I had phone calls along the way to let me know it had got to the next process but I did have one lady that was that contact for me, that was my point of call, and every time it was her that spoke to me. I had the phone call on the Monday saying the claim had gone through.
I always put insurance there, but it would always be barebones minimum but when you become a father you sort of see life in a little bit of a different way so I’d like to say I didn’t have to have a payout but at least the cover was there so it was silly not to have it.
In fairness I did feel compared to insurance policies I already had with different provider it was very competitive and worthwhile in doing.