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INCOME PROTECTION MAKE A CLAIM

Here's what you need to know to make an Income Protection claim

Making an Income Protection claim

We're here to pay claims and pay them as quickly as possible.

  • Our Income Protection Plan provides a regular income if you're unable to work because of accident or sickness.
  • Here you'll find all the information you need if you need to make an Income Protection claim.

Your claim

Important information about claiming

How to make a claim

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  • Contact us as soon as possible - you can call, email or write to our Exeter office.
  • We'll take some basic information and arrange a teleclaim with one of our dedicated teleclaim assessors. 
  • Remember to keep paying your premiums until we let you know if your claim has been accepted.
     

The information we'll need

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  • Completed consent forms.
  • Medical information from your GP or medical specialists. 
  • Financial information - such as P60 and payslips if you are employed and accounts and tax returns for self-employed (including directors of limited companies).
  • We'll let you know exactly what we need from you in the conversation we have in the teleclaim.

Our process

What we'll do with your claim

Why and how we assess your claim

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  • We need to ensure your circumstances meet your policy definitions and check if your policy has any special provisions or terms.
  • The benefits payable under most claims are directly linked to your income before you became unable to work. Your policy will clarify what your maximum benefit is; however, reductions in payments may occur if your income has reduced since the policy was taken out.

When your claim is accepted

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  • We'll confirm details of the payments to be made, and when you'll receive them.
  • If you have waiver of premium, we will set this up so that we can start paying your premiums.
  • We'll let you know when we'll next review your claim - this will be based on the circumstances of your claim. 
  • When you're able to return to work we’ll explain your policy conditions, which could provide you with partial payments.