The information below is taken from our Lifestyle Cover policy wording and explains the process that your clients need to follow should they need to make a claim.
How to make a claim for an accident or sickness
Employed or Contract Worker | Self-Employed |
Step 1: Check your policy booklet and schedule and see if your circumstances are covered. Ask your doctor to assess your disability. To register a claim, or for further help with this process, please call us on: 0800 072 8315 (lines are open Mon‑nri 9am‑mpm). | Step 1: Check your policy booklet and schedule and see if your circumstances are covered. Ask your doctor to assess your disability. To register a claim, or for further help with this process, please call us on: 0800 072 8315 (lines are open Mon‑nri 9am‑mpm). |
Step 2: Send us your completed claim form, which must include confirmation of your condition from your doctor and your absence from work from your employer. You will also need to provide us with at least your last three payslips, which confirm your gross monthly income, and bank statements showing that this income has been paid to you. Please remember that, for certain conditions, your disability must be confirmed by a consultant. See page 12 of the policy booklet for more information. | Step 2: Send us your completed claim form, which must include confirmation of your condition from your doctor. You will also need to provide proof of your gross monthly income for the last 12 months. For example, details of your income declared to HMRC, bank statements showing that these payments have been made to you from your business and/or confirmation from your accountant. Please remember that, for certain conditions, your disability must be confirmed by a consultant. See page 12 of the policy booklet for more information. |
Step 3: We will contact you to tell you of our decision about your claim. If we have accepted your claim, we will tell you when your first benefit payment to your bank/building society account will be made. | Step 3: We will contact you to tell you of our decision about your claim. If we have accepted your claim, we will tell you when your first benefit payment to your bank/building society account will be made. |
Step 4: If your claim continues we will need to receive your doctor’s or consultant’s certificate confirming your ongoing condition and inability to work, before we make any further benefit payments. You may also need to provide any other additional information that we ask for. | Step 4: If your claim continues we will need to receive your doctor’s or consultant’s certificate confirming your ongoing condition and inability to work, before we make any further benefit payments. You may also need to provide any other additional information that we ask for. |
How to make a claim for unemployment
Employed or Contract Worker | Self-Employed |
Step1: Check your policy booklet and schedule and see if your circumstances are covered. Contact your local Jobcentre to arrange an appointment to register for a Claimant Commitment. To register a claim, or for further help with this process, please call us on: 0800 072 8316 (lines are open Mon‑nri 9am‑mpm). | Step 1: Check your policy booklet and schedule and see if your circumstances are covered. Contact your local Jobcentre to arrange an appointment to register for a Claimant Commitment. Notify HMRC that your business has ceased to trade. To register a claim, or for further help with this process, please call us on: 0800 072 8316 (lines are open Mon‑nri 9am‑mpm). |
Step 2: Send us your completed claim form and the following documents: • at least your last three payslips, which confirm your gross monthly income, and bank statements showing that this income has been paid to you; • the letter sent by your employer, confirming the date your employment ended or the end of your contract; and • the benefit award letter issued to you by the Jobcentre. | Step 2: Send us your completed claim form and the following documents: • proof of your gross monthly income for the last 12 months. For example, details of your income declared to HMRC, bank statements showing that these payments have been made to you from your business, and/or confirmation from your accountant; • proof that your business has ceased to trade; and • the benefit award letter issued to you by the Jobcentre |
Step 3: We will contact you to tell you of our decision about your claim. If we have accepted your claim, we will tell you when your first benefit payment to your bank/building society account will be made. | Step 3: We will contact you to tell you of our decision about your claim. If we have accepted your claim, we will tell you when your first benefit payment to your bank/building society account will be made. |
Step 4: If your claim continues we will need to receive a completed continuing claim form when requested and evidence of your job seeking. You will also need to provide recent bank statements and any other additional information that we ask for. | Step 4: If your claim continues we will need to receive a completed continuing claim form when requested and evidence of your job seeking. You will also need to provide recent bank statements and any other additional information that we ask for. |
Your obligations when making a claim
You must:
General conditions that apply to a claim
When will benefit payments stop?
We will keep paying benefit while you are still eligible for cover and for each day you are continuously unemployed or disabled. We will stop making payments when one of the following happens:
This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.