We're here to help
Claims
We know that making a claim can be a difficult time. Our team is committed to handling every claim with care, clarity, and speed.
Eligibility
Who can claim
The person who can claim depends on the type of cover and the event.
- Life cover: The nominated beneficiary or the estate of the life insured.
- Funeral cover: The beneficiary listed on the policy or the person who paid funeral expenses.
- Group schemes:The employee, their nominated beneficiary, or the employer's HR department.
Timing
When to claim
You should notify us as soon as possible after the insured event occurs.
- Most covers do not have a strict deadline, but delays can make assessment harder.
- Funeral cover claims are prioritised for quick payout, so early notification is important.
- If you are unsure whether an event is covered, contact us anyway and we will guide you.
The process
How to claim
Notify us
Call or email our claims team as soon as the insured event happens. The sooner we know, the sooner we can help.
Submit your documents
Send us the completed claim form together with the required supporting documents listed for your cover.
We review and respond
Our team assesses your claim fairly and keeps you informed at every step. Valid claims are paid as quickly as possible.
Best practice
Do's and don'ts
Do
- Report the claim as soon as possible
- Keep copies of all documents you submit
- Provide accurate and complete information
- Respond quickly if we request more details
- Ask questions if anything is unclear
Don't
- Delay reporting the event without a valid reason
- Submit false or misleading information
- Dispose of any evidence before we assess the claim
- Sign agreements with third parties without telling us
- Ignore requests for additional documents
What to prepare
Documents you may need
Requirements vary depending on the claim type. Your claims consultant will confirm exactly what is needed.
- Completed claim form
- Policyholder or beneficiary identification
- Original or certified death certificate (where applicable)
- Medical reports or hospital records (where applicable)
- Police report (for accidents or criminal events)
- Proof of banking details for payment
Need to start a claim?
Reach out to our claims team and we will walk you through the next steps.