Making A Claim
Not really the most pleasant conversation piece, but helpful information nonetheless. In most cases it probably won’t be you making the claim - unless you can communicate from beyond the grave. So if you take out life insurance this information is probably worth passing on to your beneficiaries.
The first thing you should do when you start to make a claim is to contact your broker, this is information they need to know. Your broker will then give you the number of the provider’s 24-hour claim helpline where you will be given all the information you need.
There are a number of items you may need to supply your provider with in the event of a claim. These will vary depending on the type of cover you have, the circumstance surrounding the claim and how your estate is to be administered.
The most common items that are required include: death certificate, proof of age (providing this wasn’t given before the policy started) and proof of title e.g. grant of probate or letters of administration, which are documents relevant where there is a Will in force.
The provider may also wish to see reports from your GP and/or a coroner’s report to verify the cause of death or confirm illness. The reports are also used to protect the providers against non-disclosure.
