Loan insurance claimbacks

[RedexR]

I'm sure you are all aware of the current trend of various companies trying to get you to claim compensation for unfair loan insurance you were reccomended to take out whenever you took out a loan over the last 100 years (or so it seems) , this all sounds very familiar after the "have you had an accident and suffered whiplash?" theme they all encouraged us to do.

I just wondered is this going to result in a knock on effect - higher rates etc or even a lower credit rating if you do this ? We are being canvassed quite vigourously by one company at the moment who are asking things like how hard did they attempt to sell you this ? my current answer is not quite as hard as you are trying to push me into this claim

What do you think ?