Income Protection FAQ's

What if an Income Protection claim is fraudulent?

We won't pay a claim if we find out that it's fraudulent, for example, if the insured person’s illness isn’t real or has been deliberately exaggerated. This also applies:

  • if someone deliberately withholds information
  • if someone provides false information
  • if someone lies to us in their application, or at any point during the lifetime of the policy or when making a claim

We’ll then cancel the policy and won’t refund any of the premiums paid for the policy. We'll refuse to pay any claim made, if we’ve had to cancel the policy for any of these reasons. We'll also pass details to crime prevention and law enforcement agencies, if we identify your involvement or association with financial crime. If financial crime is detected, you could be refused certain services, finance or employment in the future.