Hollard claims

I can never recommend Hollard funeral insurance to anyone. I covered my nephew on the 15th of August 2017 and paid the first payment thereafter the debit order date would be the 1st. The consultant said to me the policy would be active after 6 payments (which is the waiting period). My nephew passed away on the 28th January 2018 and now Hollard will not pay out. Hollard has made this situation worse than it already is.