| When you make a claim for
UK mortgage protection insurance it is important to remember that you need to
ride out any deferred period before you are eligible to receive any benefits.
However, most policies will allow you to make claim at any time during the period
of insurance, after the initial exclusion period. Be sure to contact your insurance
company as soon as possible, explaining your situation in full, so that your claim
can be processed as swiftly as possible.
Your mortgage protection insurance policy document will tell you exactly what
you need to do in the event of a claim. Usually, you will need to request a claim
form from your insurance company as soon as the need arises. This form must be
filled in as quickly and as accurately as possible and returned to your insurer.
Information that you might be required to provide your insurer with could include
the following:
- Termination notice
- Medical information
- Wage slips
- Sick notes
- P60 forms
If you are self-employed you might also need to supply:
- Inland Revenue records
- National Insurance records
- Independent proof of earnings such as accounts and statements.
It is of the utmost importance that you provide this information quickly, accurately
and completely because it will affect the speed with which your claim is dealt.
If you fail to provide the information required then there is a risk that your
claim will not be met at all.
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