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Make a Claim

There’s little point in having Income Protection if it doesn’t pay out when you need it which is why we focus on paying as many claims for our members as possible. We pride ourselves on our consistently high claims payment track record - an average of 94% over the last 21 years. We hope it feels good knowing you’re covered with a friendly insurance provider you can trust.

Step 1 - Make a claims enquiry

If you’d like to make a claim, please complete the form below and we’ll call you back.

We want to give you the best support possible when we contact you, so please provide the following information in the ‘Comments’ section below to help us do this.

  • Your policy number
  • Details of your illness or injury
  • Date of first absence from work due to your illness or injury and how long you’ve been off work for
  • How long you expect to be off work for (if known)
  • Preferred time of day for us to contact you – morning or afternoon
  • If you’re contacting us on behalf of a member, please explain your relationship and provide your contact details.

Step 2 - Discussing your claim

Our Claims Team will reach out to you via telephone to discuss your claim. However, if you prefer not to discuss your claim over the phone, simply let us know, and we can send you a claim form for completion upon request. During the discussion we may request supporting documents to help us assess your claims, including:

  • A medical certificate (if you’re claiming for more than 7 days
  • Proof of income before you became too ill or injured to work

Step 3 - Assessing your claim

We will assess the evidence and confirm whether we will be able to accept your claim. We may need extra medical evidence to support the claim. This might come from a number of different sources, including:

  • Your doctor or treating specialist.
  • Your employer.
  • A nurse telephone assessment arranged by us.
  • Independent medical examination arranged by us or from other third parties.

If you have any medical documents, you can send these to us and we will be happy to use these to support the claim.

If we accept your claim, we will pay your weekly or monthly benefit payment into your bank account.

We will do this until you recover, or your benefit period ends.

Get in touch