Thanks lexilou3. Yes you’re right. I’m with the Halifax been with them since 2001 so not even sure where my original policy wording is. I’ll just have to wait and see. I know in this other forum a lady said she was paid out with grade 1 Idc with the Halifax. But then a few messages up this other lady said she had worse grade of idc and wasn’t paid because of the work issue but she never said who she was with. I might try and find it again and ask her. Will keep you posted. Thanks very much for your above and hope you are all keeping well and moving on with your recovery.
Elaine x