IUM - Insurance Under Mismanagement

I am writing this review as I am heavily disappointed in this company. I work through a broker so do not have direct contact, but to say my experience with them recently is appalling is an understatement. My husband works for himself so the "salary" he pays himself does not always come at the same time every month. He relies on clients to pay once the work is completed and also relies on subbies to do bigger jobs. As the economical situation in our country grows ever more difficult, I find that it affects income the most. Your salary doesn't go as far as it did 6 months ago. Unfortunately, my husband did not receive a salary for the last 2 months due to such situations and people just not realising, that when you fail to submit an invoice on time for payment, it has a rather large knock-on effect for the people waiting to receive it. IUM decided to cancel our insurance policy after these 2 months of non-payment, and when we managed to get the money paid to them, they said they were not going to reinstate our policy. They will also be refunding the 2 months worth of insurance that we managed to pay. I find this disgusting. No consideration given to a client or even asking for reasons why. And then having the cheek to tell us that we better make a plan to be insured somewhere else because, by law, you have to have insurance. We have to now try and find another insurance company and have been told by our broker, that they will only be able to look for quotes on the 15th Jan 2025 as Insurances do not take new clients this time of year. Surely, you would want our money? I will never recommend IUM to any one. EVER!