Make a claim

If you’re incapacitated and unable to work, we may be able to cover the cost of your premiums for a while. If you’re not sure if your policy includes this benefit, check your policy booklet or give us a call.

Here’s how it works:

• Tell us you need to make a waiver of premium claim by phone or online, so we can get the process under way.
• We’ll send a claim form for you to complete and return, and we’ll write to your employer, if you have one, and your doctor, to confirm some details. 
• If your claim is successful, we’ll stop taking your insurance premiums and refund any overpayment. Your insurance policy will remain active for the length of your waiver of premium claim.

It’s easy to make a waiver of premium claim – just call us or fill in our online form.

To speed things up, try to have this information ready before you start:

• the date you last worked
• your occupation, when you last worked
• why you’re unable to work
• when you expect to return
• your policy number, if you have it to hand.

Make a claim over the phone

If you bought your policy from us, here’s the number to call if you want to make a claim over the phone: