Make a claim
Let’s get your income protection 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.
Cancer support beyond claims
Here’s how we’re working with Macmillan Cancer Support to be there for you if you’re living with cancer and have a protection policy with us.
More about our Macmillan partnership
How to plan an eco-friendly funeral
Read more
How much critical illness cover do you need?
Read more
How to choose a funeral director
Read 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
Renting? Here’s why life insurance isn’t just for homeowners
Discover more about life insurance
Discover more about life insurance
Different types of life insurance for your family
Explore the different types of life insurance for your family
Explore life insurance
How does life insurance work?
From how much life insurance costs to who gets the money if you die during the policy term, here’s a simple guide to life insurance and how it works.
Understand life insurance
Mortgage protection when you're buying a home
Whether you’re a first-time buyer, moving up the property ladder or securing a buy-to-let, here’s why you might want to get that financial protection in place.
Life insurance for home movers
Safeguarding the family home when you’re gone
Having life insurance can help reduce the financial impact on those left behind. Find out more about safeguarding your home with life insurance here.
How life insurance can help
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
Six important reasons to get life insurance
We regularly see the difference having life insurance can make to families, find out how having cover could make a big difference, when it really matters here.
Discover the benefits
Think you can't afford life insurance? This might help
Read our 4 top tips on how to make the cost of life insurance more manageable.
Affordable life insurance
Life insurance and critical illness cover: how are they different, and do you need both?
Although similar, life insurance and critical illness policies provide different kinds of cover to help in challenging times. Find out more here.
Read more
The difference between income protection insurance and critical illness cover
For a lifeline that’s right for you and your family, we look at the difference between critical illness cover and income protection, find out more here.
Read more
Planning a non-religious funeral
Find out about non-religious ways to pay tribute to someone, in a way that’s authentic to the way they lived and their wishes.
Read more