We won’t pay your Income Protection claim in the following situations:
• you’ve claimed for something that isn’t covered under your policy
• we identify misrepresentation
• we’ve found your involvement or association with financial crime
The vast majority of our customers are honest and have valid claims that we'll pay. In fact, we paid 93% of all Income Protection claims in 2020 - around £14.6m total in claims*. But when we can’t it’s because we must operate a responsible policy in paying claims so we can protect our customers. If we didn’t, the cost of cover for everyone would become too expensive. Rest assured that we judge all claims on a case by case basis.
Also, please keep in mind if we find you're involved in financial crime we can pass details to crime prevention and law enforcement agencies.
*These figures include all new claims paid in 2020, and all claims we were paying before 2020 that we continued to pay during 2020.