make a Mortgage & Lifestyle Protection claim

If you need to make a claim, we're here for you

Starting a claim

We know it can be a difficult time when you need to make a claim

That's why we aim to make your claims experience as quick and hassle-free as possible.

Here you'll find all the information you need to make a Mortgage and Lifestyle Protection claim and the processes we go through.

Mortgage & Lifestyle Protection is made up of two elements:

  • Accident or Sickness Cover
  • Optional Unemployment Cover

Making a claim for either of these is slightly different so here is some information that will help you. 

Get in touch

Accident and Sickness Cover Claims

If you need to make a claim contact us and we will arrange a tele-interview with a Claims Assessor

Write to us: LV= Protection, PO Box 341, Wymondham, NR18 8HR.

E-mail us at: [email protected]
LV_Heart
0800 756 5869

Mon to Fri - 9am - 5pm

If you're calling from overseas, you can contact us on +44 1392 366 685

For TextDirect first dial 18001

Calls may be recorded and/or monitored for training and audit purposes.

Get in touch

Optional Unemployment Cover claims

Mortgage Payment Protection Policies, (it's likely your policy started before 1st May 2008)

If your unemployment cover was taken out before 01 May 2008, you are insured with Covea Insurance plc. 

Covea will be responsible for all aspects of your claim.

When you call Covea, quote the 'PI number' shown on your policy schedule and let them know your unemployment cover was sold through LV= and is stored on their 'Bordereaux Data system'.

Call Covea on 0330 134 8500

Mortgage & Lifestyle Protection Policies, (your policy would only have started after 1st May 2008)

Contact us as soon as you are made involuntarily unemployed, and contact your local Jobcentre Plus to arrange an appointment to register your claim for Universal Credit or Jobseeker's Allowance. 

Write to us: LV= Protection, PO Box 341, Wymondham, NR18 8HR.

E-mail us at: [email protected]

Call us on 0800 756 5869

Mon to Fri - 9am - 5pm

If you're calling from overseas, you can contact us on +44 1392 366 685. For TextDirect first dial 18001

Calls may be recorded and/or monitored for training and audit purposes.

Unemployment Cover Claims Process

Want to know a little more about our claims process?

Three steps to help guide you through the claims process for Unemployment Cover taken out after 1st May 2008

Step 1, what we'll need

After you've received your claims information, please send your completed forms back to us, including the financial questionnaire and the following documents:

  • Documents confirming that you have been made involuntarily redundant (such as a letter from your previous employer).
  • Financial information – such as your last three payslips, your most recent P60 and your P45.
  • The benefit award letter issued to you by the Jobcentre.

If we need additional information from you we'll explain why and keep you informed of the progress of your claim.

    Step 2 - how we assess your claim

    • We’ll contact you monthly to ensure you’re continuing to meet the conditions of a claim.
    • We may also contact your employer to check your claim information.
    • If you’ve received a payment instead of working your notice (sometimes referred to as ‘in lieu of notice’), we won’t pay out for the notice period covered. This means we’ll take the date you become unemployed as the date your notice period ends, and you waiting period will start from this date.
    • We also won’t pay you for any compensation you may receive from a fixed term contract ending early, so your waiting period will start at the end of the period that compensation payment covered.

    The benefits payable during your claim are directly linked to what you earned before you lost your job. Your policy will clarify what your maximum benefit is, but we may need to reduce the payments that we make to you if your income has gone down since the policy was first taken out.

      Step 3 - Once we’ve received all the information requested

      • Let you know if your claim has been accepted and the details involved.
      • During your claim, we’ll request bank statements showing you receive Jobseekers allowance and will seek evidence you are looking for work.

        Support whilst you're off work

        We want to help you get back to work

        This applies to policies taken out after 1st May 2008

        Photo frame, stack of paper, computer, pen and notebook

        We recognise that temporary jobs sometimes lead to permanent employment, and that volunteering can enhance your CV. So, let us know if you're interested in doing this type of work and give us full details of that work before you start it.

        • You can start doing temporary work whilst you're claiming, so long as the temporary contract is for less than six months.
        • You can also do some voluntary work during your claim, as long as it is for a registered charity or similar, and it doesn’t interfere with your ability to look for a new job.
        • Tax – at present all unemployment claims are paid tax free. This is based on our current understanding of current legislation and HMRC practice, which can change in the future – Current as of April 2025.

        Important Information

        Some important information about our Unemployment Cover

        This applies to policies taken out after 1st May 2008

        Self employment

        When you are covered for self-employment you are only able to claim if:

        • You have been declared bankrupt.
        • Your business is insolvent.
        • Your business is in liquidation.

        Payments

        We will continue to pay you until:

        • You find new employment.
        • We have paid you for 12 months for one unemployment claim.
        • We have paid you for 36 months in total for all unemployment claims you've made.
        • You no longer receive Jobseekers Allowance or National Insurance Credits.
        • Your unemployment cover ends (state retirement age).

        Exclusions for Unemployment cover

        We won't pay an unemployment cover claim if you are not in work because you:

        • Have retired.
        • Have become voluntarily unemployed.
        • Have taken a career break.
        • Have become a homemaker.
        • Are a temporary worker.
        • Have become unemployed due to your own misconduct, fraud or dishonesty.
        • Are a carer and the sickness or disease, or condition of the person you're caring for existed before your unemployment cover start date or if you are a carer and the person being cared for doesn't require a carer.