Making a claim
shouldn't add to your stress
How a claim works
Contact your adviser or insurer
Let them know as soon as possible so they can guide you through the process.
Submit required documents
Provide documents such as a death or medical certificate, and your policy details.
Insurer reviews the claim
The insurer assesses the claim against your policy terms and the evidence provided.
Payout made
Once approved, the agreed payout is made to your beneficiaries or to you directly.
What you'll need
Your policy number
Proof of identity (ID document)
Death certificate or medical evidence
Bank account details for the payout
Claims FAQ
How long do claims take?
This varies by insurer and the complexity of the claim, but straightforward claims are often settled within a few weeks.
What if a claim is declined?
If a claim is declined, your adviser can help you understand why and, where appropriate, support you through the insurer's complaints process.
Who do I actually contact?
Your original adviser is a good first point of contact, or you can contact your insurer directly using the details on your policy documents.