You should contact Our Administrator, Adminicle Limited,
Callidus House, Cirencester Business Park, Love Lane,
Cirencester GL7 1XD.
The quickest and best way is to call telephone 01285
886600 to request a claim form.
General Information on claims procedures.
You must complete the protection
insurance claim form fully and accurately and return
it to Us at the address above. This claim form should
be received within 60 days of the date Your Disability
or Unemployment began, or as soon as possible after
You may be asked to fill
in a continuing or supplementary claim form at Your
own expense for each month You are claiming. You must
send this within 60 days of the date We last paid Your
Monthly Benefit or as soon as possible after this.
To properly validate Your claim You must give Us any
proof We ask for otherwise We cannot pay any income
protection insurance benefit. This is at Your own expense
if any. We may also ask You for additional information
during Your claim such as (but not limited to) being
examined by a Doctor (at Our expense) or, certificates
from Your employer stating that You are not presently
working or, a copy of the Jobseekers Agreement that
You signed with the Employment Service or, a certificate
from Your last employer stating that You no longer Work
We will not pay Your claim if We cannot validate it
because You are late sending Us Your claim form or any
additional information that We may reasonably request.
Any attempt to falsify any information provided to Us
may invalidate Your claim and may result in Us cancelling
this income protection insurance immediately.
If We start to pay Monthly Benefit because You are Disabled
and You become Unemployed You must write and advise
Us straight away. When deciding if Your claim is valid,
We will ignore the fact that You have not been Working
because of Your Disability. We will continue to pay
Your Disability benefit while it remains valid. If You
are still Unemployed once a Doctor says You are fit
to return to Work, You must tell Us and We will ask
You to complete an Unemployment claim form. If You change
Your claim, the most We will pay for both Your Disability
and Unemployment claims combined is 12 times the Monthly
If We start to pay Monthly Benefit because You are Unemployed
and You become Disabled You must write and tell Us straight
away. When deciding if Your protection insurance claim
is valid, We will ignore the fact that You have not
been Working. You will no longer be eligible to claim
benefits for Unemployment and You will have to complete
a Disability claim form. If You change Your claim, the
most We will pay for both Your Unemployment and Disability
claims combined is 12 times the Monthly Benefit.
If You are unable to meet Our conditions to claim for
Disability benefit You can claim Unemployment benefit
once You are fit to work. You must let Us know that
You are no longer Disabled and You must meet Our conditions
to claim Unemployment benefit. If Your claim is valid,
the most We will pay is 12 times the Monthly Benefit
which will include any Monthly Benefit We paid before
Your Disability started.