3 Steps to Claim

We understand the claims process can be daunting, and so we’ll do all we can to make it as smooth and easy as possible for you.

At Cirencester Friendly we will work with you to make our claims process easy, and as quick as possible.

1. Let Us Know

Please call us on 0800 587 5098 or email us at claims@cirencester-friendly.co.uk to notify us of your claim. A member of our claims team will be happy to help.

2. Tell Us What Happened

After you have notified us of your claim, we will ask that you complete a claim form. Once received we’ll be in touch to let you know what happens next.

Please be aware that if you do not complete step 1, we will still need to speak to you to assess your claim.

3. The Paperwork

When asked, you will need to provide the following information to support your claim via email or post:

A medical certificate/fit note - confirming you were unable to work due to your illness or incapacity (this needs to start from your first day off work)
Evidence of your earnings – we’ll let you know what we need when we contact you
A consent form – don’t worry, we’ll also cover this when we contact you.

We will confirm as soon as we can if your claim is payable. In some instances, we may need further information, but we will let you know what and why.

Understanding Your Cover

It’s important that you know what cover you have with us, please check the below before you claim.

Do you have a deferred period? - The duration of time before benefit payments start to be made is called a deferred period.
Have you accepted any medical exclusions? - This relates to a medical condition not covered within your contract. This could mean your claim may not be payable if the injury or incapacity relates to this medical exclusion.
Do you know your level of cover? - This is the sum which will provide financial protection, it’s important to know the maximum we can pay you if your claim is successful.

Please ensure that when providing us with your claim details or sending us additional documentation that you provide clear and accurate information. Any inaccurate or false information may impact our ability to pay your claim.

For further useful information regarding the claims journey please read Our guide to claims.

What happens next?

Depending on your circumstances, we may need information from:

Your GP or other medical professionals. We’ll let you know when we’ve asked for this so that you can help speed up the process, should you choose to.
Your employer or accountant if you’re self-employed for information about your earnings.
Other insurance companies if you hold any other relevant policies or contracts.
You – we may need to clarify some points with you or ask you for additional information

We’ll use the information to assess your claim, to determine whether we can start paying it and to calculate how much we can pay. There may be occasions where we can’t pay your claim or pay the full amount that you might be expecting, but if this happens we’ll contact you to fully explain the reasons why.

You’ll receive your claim payments twice a month, and we’ll let you know the dates once we’ve confirmed your claim has been successful.

For the period of time you’re claiming for, you’ll need to continue providing us medical certificates/fit notes so that we can keep paying you.

You’ll need to keep paying your premiums during the time you’re claiming. However, we’ll then return them to you in line with the terms of your contract.