How soon can I make a claim on my income protection?

I’m looking to take out Income Protection, how soon can i make a claim?

Question asked by Kenny Stevens
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Income Required
per
month
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 0208 432 7333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Tom Conner

How long you have to wait before being able to make a claim

With the majority of income protection, critical illness and life insurance policies you are able to make a claim at any point after the policy start date.

During the application process the insurer asks about your medical history. From there they will decide if they can offer you cover. If they do not place an exclusion on the policy then the insurer will accept the risk from the start date onwards, so if you suffer a condition the very next day you can claim right away.

If you suffer from a pre-existing condition it is likely the insurer either decline offering you cover or place an exclusion on the plan.

Some payment protection policies have automatic exclusion periods so be careful if you take out this type of cover.

Seek advice

If your looking to set up a income protection policy please get in contact with one of our advisers, we can run though any questions that you might have and help you find the most suitable policy. Our service is fee free and we have access to the whole of the UK insurance market.

income protection
 
claims
 
medical history
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Income Protection Insurance Questions

 
Having just taken out a mortgage I am looking at my insurances and wanted to take out life cover and...
 
I’m thinking about taking out Income Protection but one thing i’m unsure on is if I will...
 
I have recently taken out a mortgage and have been told about critical illness insurance but have now...
 
What is the difference between income protection insurance and payment protection? Which type of cover...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Andrew Giles
10/04/2018

From start to finish a very professional and courteous outfit. A very efficient company with a no nonsense approach. Would recommend.

Mark Burbidge
13/04/2018

First class service from start to finish. Sam Carr was very helpful in setting up my new insurance policies. He kept me up to date throughout the process and provided full explanation and advice on the products and was always available to help.

Doug Muirhead
10/04/2018

Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family.

We are rated 4.9/5 based on 1512 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1548 Reviews
R Steer
Overall Rating
Josh, Nick & Sam helped me set up PHI & Life insurance when I set up my own company. The application process wasn't straight forward due to my medical history, but the team made everything as simple as possible.
C Ash
Overall Rating
I have not started my health cover yet, bus so far the introduction has been very efficient and speedy.
G White
Overall Rating
Clear and concise information
D Muirhead
Overall Rating
Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family
S Walker
Overall Rating
Great service, independent advice, not pushy and very consultative. I would have no hesitation in recommending.