Income protection claims
Let’s get your claim moving
What to expect
- Tell us you need to make a claim as soon as you can, so we can get the process under way.
- We’ll call you for a detailed chat about your job and the condition you have. That helps us get the information we need, and we can line up extra support to help you get better and back in work.
- We’ll ask for medical information, usually from your GP, and proof of your salary before you were off work.
- We’ll tell you if your claim’s successful, and what happens next.
Ways to start your claim
It's easy to make an income protection claim – just fill in our online form or call us.
To speed things up, try to have this information ready before you start:
- your name and contact details
- your policy number
- your condition or symptoms
- your occupation
- your annual salary, before tax
- your GP’s contact details.
Make a claim online
It’s quick and easy – just answer the questions in our online claim form, and we’ll be in touch.
Make a claim over the phone
If you bought your policy direct with us, here's the number to call if you want to make a claim by phone:
Calls may be monitored or recorded. Calls to 0800 number from UK landlines and mobiles are free. Numbers that start with 03 are charged at national call rates, and may depend on your network provider.
If you bought your policy with another insurer, the number you need to call will be under your provider’s name:
Friends Provident
Bupa Health Insurance or Friends Life
AXA
AXA Sunlife Direct
Winterthur
You’ve made a claim: what’s next?
It’s more than just financial help. Here’s the support and expertise we offer to help you get on the road to recovery and back to work.
Rehabilitation case managers
Trained in counselling and work rehabilitation, they’ll give you the advice and emotional support you need.
Specialist clinicians
Your case manager will work with our clinicians to get you back on track. That includes doctors, mental health nurses, specialist physiotherapists, occupational therapists, occupational health advisers and nurse specialists in mental health, cardiology, oncology, orthopaedics, rheumatology, midwifery and women’s health.
Vocational rehabilitation consultants
Our Certified Disability Management Professionals will visit you at home or where you usually work to get a detailed understanding of the support and services you need.
Life articles
Take a look at our latest news and guides.
What’s the difference between health insurance and life insurance?
Life insurance and health insurance often get mixed up, but they’re not the same thing. Find out about the differences between life and health insurance here.
So what’s the difference?
Life insurance and smoking
If you’re a smoker, many insurance companies will still give you life insurance, but you may find it costs you more.
Find out more
What happens to a life insurance policy when someone dies?
If a loved one dies, and you’re not sure if they had a life insurance policy, or how to make a claim if they did, find out some of the steps you can take here.
Life insurance after death
Life insurance for young people
Life insurance protects your loved ones if you pass away during the policy term, no matter your age. Find out how life insurance can benefit young adults here.
Get life insurance
What is mortgage protection life insurance?
Mortgage protection insurance is a type of term life insurance. Find out more about how mortgage protection insurance works, and how it can help you here.
Learn more
Over 50 life insurance: premiums and paying out
Over 50 life insurance is a way to leave behind a lump sum for your loved ones when you die. Here’s how it works when it comes to paying your premiums and getting a payout.
Find out more
Codicil confusion: explaining the meaning
Make minor changes to your will with a codicil.
Find out how
Can you have more than one life insurance policy?
For anyone wondering ‘can I have more than one life insurance policy?’ - the answer is yes! Find out why you might need more than one life insurance policy here.
Find out more
Children’s critical illness benefit
The last thing you’ll want to think about is your child being critically ill, but it’s worth considering how you’d manage financially. Find out more here.
Discover how it works
Do I need income protection insurance if I’m under 30?
In the time it takes to watch a handful of TikTok videos, you could help get reassurance for the future by taking out income protection insurance.
Find out more
Do I need income protection insurance?
If you have income protection insurance, you could get money every month to help cover your outgoings if you’re unable to work because you’re ill or injured.
Find out more
What does our critical illness insurance cover?
Understanding exactly what your critical illness cover policy covers you for can give you peace of mind, when you need it most.
Find out more
How much critical illness cover do you need?
Your critical illness cover amount will be one of the factors of how much you pay in premiums. Find out how much critical illness cover you might need here.
Read more
Self-employed income protection: the facts
When you’re self-employed or a contractor, you get the sweet perk of being your own boss, but you wave goodbye to traditional employee benefits like company sick pay.
Find out more
Life insurance and income protection insurance – what’s the difference?
These two types of insurance provide cover for quite different circumstances.
Find out more
Paying out when you need it
In 2020 we paid out over £1bn in protection claims to help over 50,000 people and their families.
Find out more