We understand it can be distressing when you need to make a claim. That's why we aim to make your claims experience as quick and hassle-free as possible. We've put together this step-by-step process to guide you through the claims process.

Claims for accident or sickness

STEPEMPLOYED OR CONTRACT WORKERSELF-EMPLOYED
 1

Check the policy booklet and your schedule to see if your circumstances are covered.

Ask your doctor to assess your disability.

Call us to register your claim on
0800 072 8315
Lines are open:
9am - 5pm Monday to Friday

We may record and monitor calls.

Check the policy booklet and your schedule to see if your circumstances are covered.

Ask your doctor to assess your disability.

Call us to register your claim on
0800 072 8315
Lines are open:
9am - 5pm Monday to Friday

We may record and monitor calls.

 2

Send us your filled-in claim form, which must include certification of your condition from your doctor and confirmation from your employer that you've been off work.

You'll also need to give us at least your last three payslips, which confirm your gross monthly income, and bank statements that show salary payments made to you.


For certain conditions your injury or illness must be confirmed by a Consultant.

Send us your filled-in claim form, which must include certification of your condition from your doctor.

You'll also need to provide proof of your gross monthly income for the last 12 months. For example, we'll need details of your income declared to HM Revenue & Customs and bank statements that show payments paid to you from your business.

For certain conditions, your injury or illness must be confirmed by a Consultant.

 3

We'll contact you to let you know our decision about your claim.

If we've accepted your claim, we'll let you know when we will make your first benefit payment to your bank or building society account

We'll contact you to let you know our decision about your claim.

If we've accepted your claim, we'll let you know when we will make your first benefit payment to your bank or building society account.

 4

Any further payments will depend on us receiving your doctor's or consultant’s certificate confirming your ongoing condition and inability to work.

You may also need to provide other information, that we ask for.
See the  Lifestyle Cover Insurance Policy Booklet (PDF: 373KB)  'General conditions that apply to a claim’ for more information.

Any further payments will depend on us receiving your doctor's or consultant’s certificate confirming your ongoing condition and inability to work.

You may also need to provide other information, that we ask for.
See the Lifestyle Cover Insurance Policy Booklet (PDF: 373KB)   ‘General conditions that apply to a claim’ for more information.

Claims for unemployment

STEPEMPLOYED OR CONTRACT WORKERSELF-EMPLOYED
 1

Check the policy booklet and your schedule to see if your circumstances are covered.

Contact your local Jobcentre to arrange an appointment to register for a Claimant Commitment (previously known as a Jobseeker’s Agreement)

Call us to register your claim on
0800 072 8316
Lines are open Monday to Friday

We may record and monitor calls.

Check the policy booklet and your schedule to see if your circumstances are covered.

Contact your local Jobcentre to arrange an appointment to register for a Claimant Commitment (previously known as a Jobseekers Agreement)

Let HM Revenue & Customs know that your business has ceased to trade(permanently stopped trading).

Call us to register your claim on
0800 072 8316
Lines are open Monday to Friday

We may record and monitor calls.

 2

Send us your filled-in 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 notification letter sent by your employer, which confirms the date of your redundancy or the end of your contract.
  • The benefit award letter issued to you by the Jobcentre.

 

 Send us your filled-in 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 HM Revenue & Customs, bank statements that show payments paid to you from your business or confirmation from your accountant.
  • Proof that your business has ceased to trade (permanently stopped trading). For example, send us confirmation from HM Revenue & Customs, details of your accounts, tax returns and bank statements.
  • We also need the benefit award letter issued to you by the Jobcentre.
 3

We'll contact you to give you our decision about your claim.

If we've accepted your claim, we'll let you know when we will make your first payment to your bank or building society account.

We'll contact you to give you our decision about your claim.

If we've accepted your claim, we'll let you know when we will make your first payment to your bank or building society account.

 4

Any further payments will depend on you filling in a continuing claim form each month and providing evidence that you are looking for work, such as copies of job applications, invitations to interviews, application responses and registration with employment agencies.

You'll also need to provide recent bank statements and other information, we may ask for.

See the  Lifestyle Cover Insurance Policy Booklet (PDF: 373KB)  ‘General conditions that apply to a claim’ for more information.

Any further payments will depend on you filling in a continuing claim form each month and providing evidence that you are looking for work, such as copies of job applications, invitations to interviews, application responses and registration with employment agencies.

You'll also need to provide recent bank statements and other information, we may ask for.

See the  Lifestyle Cover Insurance Policy Booklet (PDF: 373KB)  'General conditions that apply to a claim’ for more information

 

Please call us for a quote

Call 0800 197 2351 for Making a claim.