Make a waiver of premium claim

Our team of experts is here to help

Get your claim started

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 whether your policy includes waiver of premium, please check your policy booklet or give us a call.

How to get in touch

It’s best to call us to get your claim started. This way we can make sure we’ve got all we need to get to work straight away.

Aviva customers

Phoning in the UK

0800 015 1142

Monday to Friday: 8:00am - 6:00pm

Saturday: 8:00am - 2:00pm

Phoning from abroad

+44 1603 202 500

Monday to Friday: 8:00am - 6:00pm

Saturday: 8:00am - 2:00pm


If you prefer, you can complete our online notification form.

Bought your policy with another provider?

Select your policy provider from the list below

Friends Provident

Bupa Health Insurance or Friends Life


AXA Sunlife Direct


How it works

Step 1

Give us a call

We’ll need to ask you a few simple questions to get your claim underway. We need to know when you last worked, what job you were doing, why you’ve been unable to work and when you expect to return. 

It also helps if you’ve got your policy number to hand, but we can manage without it.

Step 2

Complete your claim

We’ll send you a claim form to complete and return to us. When we receive it, we’ll write to your employer (if you have one) and your doctor to confirm some details.

Step 3

We stop taking premiums

If your claim is successful, we’ll stop taking your insurance premiums and refund any that you’ve overpaid. Your covered insurance policy or policies will remain in force for the length of your waiver of premium claim.

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Important information

For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles.