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
Once you've contacted us, we'll post a claims pack within 24 hours
E-mail us at: [email protected]
Mon to Thu - 8.30am - 6.30pm
If you're calling from overseas, you can contact us on +44 1392 366 685
For TextDirect first dial 18001
Get in touch
Optional Unemployment Cover claims
Cover that 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 03301 384409
Cover that started after 1st May 2008
Contact us as soon as you are made involuntarily unemployed, and contact your local jobcentre to arrange an appointment to register your claim for Universal Credit or Jobseeker's Allowance.
Write to us: LV= Health Claims Team, LV=, Emperor House, Grenadier Road, Exeter Business Park, Exeter, EX1 3LH.
E-mail us at: [email protected]
Call us on 0800 756 5869
Mon to Thu - 8.30am - 6.30pm
If you're calling from overseas, you can contact us on +44 1392 366 685. For TextDirect first dial 18001
Calls will be recorded and/or monitored for training and audit purposes.
Unemployment Cover Claims Process
Want to know a little more about our claims process?
Support whilst you're off work
We want to help you get back to work
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 6 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
Important Information
Some important information about our Unemployment Cover
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.