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
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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.

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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.
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