How do you go about making a claim under your policy?

Claims are made directly to the Insurance Company who issued your policy. Details of how to claim will be found within the booklet they provide with your Application form and policy.

STEP 1 of 2

Type of cover

Life Insurance Mortgage Life Insurance

Cover Level (£)

Number of years

Do you want:
Critical illness cover
Family income benefit

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Are there any extras to pay?: Definitely not! There are no hidden extras when you buy life insurance through ClickLife our Life Insurance Partner.
Is a medical absolutely necessary?: No. Most people do not require a medical. Normally an insurer will only ask for a medical if you have existing health issues that cannot be resolved by a report from your GP or if you have applied for an especially high sum of insurance.
What causes delays and can delays be reduced?: The most common cause of delay is enquiries about your health.
What correspondence can you expect to receive after your Application has been submitted?: It all depends upon what complications arise from the details on your Application.
When Does My Cover Start?: Once your insurer has accepted your Application, your insurance cover can start straight away.

If a claim arises and you or your dependents do not know how to proceed, then contact your insurer immediately.

If there is a claim the insurance company will be ready to make a speedy payout - but there are a few procedures to follow to make sure this happens.

Firstly find the policy document and for safety’s sake make a note of its number. Then phone your insurer and ask for a Claim form.

When the Claim form arrives, complete and return it to your insurer together with the insurance policy document and other required documentation. We think it would be best to use Recorded Delivery.

More details for Life Insurance Policies

If you have a Life Insurance policy you need to obtain a certified copy of the death certificate or your Doctors’ written confirmation the terminal illness. (The definition of a “terminal Illness” is an illness from which a medical practitioner expects the policyholder to die within 12 months). Your Doctor or funeral director will help you with this.

More details for Critical Illness Policies

For a Critical Illness claim to be successful the insurers Claims Department will need evidence that you have been diagnosed as having one of the critical illnesses listed on your policy. This evidence will normally come from a Hospital Consultant who specialises in the illness with which you have been diagnosed.

Critical Illness claimants may also be asked to undergo a medical examination in order for the insurance company to understand more precisely about the nature of your condition. The costs of all medicals are met by your insurer and will not be deducted from your claim.

For all claims the insurance company will want to see your birth certificate to confirm your age. They may also want to see your marriage certificate.

The insurance company will then pay the claim promptly.

An important suggestion from Brokers Online.

You should consider having you're Life Insurance policy “written in Trust”. This guarantees that, in the event of a claim, the money goes quickly and directly to the people you intended. It also avoids all Inheritance Tax. This could represent a tax saving of 40%!