User 94% Over the last10 years we havepaid an averageof 94% of claims. 94% Over the last10 years we havepaid an averageof 94% of claims. *Office of National Statistics, 2022 An estimated 149.3 million working days were lost because of sickness or injuryin the UK in 2021, equivalent to 4.6 days per worker*. MEB construction balloonuser-outlinefriendly-voicetelephone email <?xml version="1.0" encoding="utf-8"?> toolbox starstar-1sterling-pound-sign-of-moneyhearttrophy speech-bubblepound-sterling contactclipboardprescriptionprescription-1paperfilehandshakealarm-clockeditwriting twitter linkedin instagram youtube facebook
0800 587 5098

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

Click here to complete your form:

Claim Form

Please be aware that if you don’t complete step one, we’ll still need to speak to you to assess your claim.

3. The Paperwork

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

  1. A medical certificate/fit note - confirming you were unable to work due to your illness or injury (this needs to start from your first day off work).

  2. Evidence of your earnings:

  • Employed: Your last two pay slips and most recent P60 and P11D tax form (if applicable). This allows us to determine your earnings over the last 12 months.
  • Self-employed: Your most recent submitted HMRC tax return (SA100). This will enable us to confirm your most recent taxable earnings and to calculate your benefit entitlement.
  • Company Director (no more than three other shareholders): Your last two pay slips, P60, most recent submitted HMRC tax return (SA100) and latest completed company accounts. We’ll use your salary and dividends earned in the 12 months prior to being unable to work.
  1. A consent form - don’t worry, we’ll cover this when we contact you.

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

*Please note our telephone lines are open Monday, Tuesday, Wednesday and Friday 9am - 5pm and 10am - 5pm on Thursdays (excluding public holidays).

Understanding Your Cover

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

  • What’s your 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 illness or injury 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 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 explain the reasons why.

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

Whilst in claim, we’ll need to keep in touch to understand how you’re getting on. We need to receive medical certificates/fit notes from your Doctor and what steps you’re taking to return to work to ensure we can continue to pay your claim.

You’ll need to keep paying your premiums while in claim unless advised otherwise by your claim handler.

We're here to help

Call us
0800 587 5098

Email us
claims@cirencester-friendly.co.uk