Make a waiver of premium claim

If you’re incapacitated and unable to work, we may be able to waive your insurance premiums if you have waiver of premium (also known as Premium Protection) included in your policy.

If you don’t know whether you have waiver of premium as part of your policy, please check your policy booklet or call us.

To make your claim

Firstly, we need you to let us know you want to make a claim. There are three ways you can do this:

  • Call our UK-based claims team on 0800 015 1142 (from the UK) or +44 1603 202 500 (from overseas). We recommend making your claim by telephone because it’s the quickest way of getting your claim dealt with. (Our lines are open from 8.30am–5.30pm. Monday to Friday. You can leave a message outside of these hours.)
  • Complete our online claim notification form.
  • Or write to us at: Aviva, Claims Assessment Team, PO Box 520, Norwich, NR1 3WG. Please note it may take longer to process your claim if you notify us by post due to the time it will take for your letter to reach us.

When you get in touch, we’ll need to know: 1) when the person covered last worked; 2) what job they were doing at the time; 3) why they are (or were) unable to work; 4) if you know when they are likely to return to work (if they haven’t already).

What happens next?

We’ll send you a claim form for the person covered to complete and send back to us. When we receive it, we’ll write to the employer of the person covered (unless they’re self-employed or claiming on an ‘activities of daily living’ or ‘activities of daily working’ basis) and their doctor to confirm the information we’ve been given.

If your claim is successful, we’ll stop taking your insurance premiums and refund any that you’ve overpaid.

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