Life insurance claims

Our life insurance policies are underwritten by Sovereign Assurance.


To make a claim, call a Sovereign claims specialist on 0800 500 195.
The claims specialist will let you know exactly what information is needed to assess the claim.

For a Life Cover and Accident insurance claim you’ll need to provide:

  • A death certificate
  • A coroner’s report, if one was issued
  • A completed discharge form
  • A pre-printed deposit slip for the account that the benefit is to be paid into
  • If the person who is insured was the sole owner of the policy, Sovereign will also require the grant of administration – probate or certificate of administration, or letters of administration.

For a Living Cover or terminal illness claim you’ll need to provide proof of the condition or illness that you’re claiming for, such as medical reports or other information.


For an Injury insurance claim you’ll need to provide details of how, when and where the injury was sustained, as well as evidence of the injury such as medical reports.


Important information: Although most people can be covered, all applications are subject to individual consideration. Special conditions, exclusions or premium loadings may apply.

For more information, please call 0800 500 195.