Answered by Tom Conner
How long you have to wait before being able to make a claim
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.
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.
Frequently Asked Income Protection Insurance Questions
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