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Insurer Claims Processes – Everything you need to know

Insurer Claims Processes – Everything you need to know

The point at which a person needs to make a claim on a protection policy is the point at which the insurer will really show their spots. If the process is simple, quick and as stress free as possible the whole industry shines. If there is unecessary friction in the process then the beneficiary of the policy can be left with a bad impression. We’ve done all the research to save you time and in this weeks ‘Everything you need to know’ we bring together a summary of how different insurers approach the process of claiming on a plan. 

Claims handlers

The support provided to claimants during and after their claim is assessed can be as important as the money they receive. This support can be different depending on the reason for the claim. We take a look at when ongoing support is provided and what is offered.

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claims notification

Depending on the nature and reason for a claim, the person notifying the insurer of a potential claim may not be the life assured. Here we interrogate who can notify an insurer of a claim and what the insurer does to keep the adviser informed that the claim is in place. 

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Claims Tracking

The last thing a claimant wants is to have to worry about what is happening with the protection policy claim. Keeping both the claimant and the adviser abreast of what is happening is vital and here we look at how insurers do this. 

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Claims Documentation

It is quite understandable for insurers to request some form of evidence that the claimable event has taken place. Making this easy for the claimant to provide, will help reduce the burden and stress placed on the client and here we look at what evidence might be requested and how it can be provided. 

To see more click here  

Call centre opening times

Where a claimant is informing an insurer of a claim over the telephone, they may not always be able to do this from 9 to 5 on a Monday through to a Friday. As such the longer the opening times of claims call centres the better. Here we look at the opening times for insurer claims call centres.

To see more click here

Ongoing support

The support provided to claimants during and after their claim is assessed can be as important as the money they receive. This support can be different depending on the reason for the claim. We take a look at when ongoing support is provided and what is offered.

To see more click here  

Watch out for future “Everything you need to know” pieces where each week we will cover a different topic and provide you with the information you need to know to discuss the topics with your clients.

About The Author

Adam Higgs

Adam leads Protection Guru's detailed protection research and benchmarking of both product and operation features provided by insurers and has a vast knowledge of the protection market. He has been instrumental in building the protection comparison service Quality Analyser and maintaining the data to enable adviser to quickly and easily compare protection products based on qualitative measures. He also works with adviser firms to help in panel reviews and with insurers to help them understand the shape of the market, their strengths and the areas that could be improved in their products. In his spare time and when not spending time with his wife and two children, Adam is a keen Arsenal fan and enjoys hacking his way around a golf course.

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