Notifying the insurance companies that your loved one held policies with is one of the first tasks to complete in the administrative process. Most providers have a designated bereavement support customer service team who should explain the next steps to you once you’ve made the initial contact.
In most cases, the insurance companies will need to speak to the executor of a will or the next-of-kin/administrator if your loved one died without leaving a will.
Ideally, you should notify insurers within a month of your loved one’s death once you have a death certificate.
Firstly, check their will (if they had one), their bank statements, or ask their solicitor (if they had one). You can also visit the Unclaimed Asset Register, which is a database of thousands of life insurance policies, unclaimed pensions, shares, dividends, dormant savings accounts and lottery winnings. It costs £25 to run a search for a life policy. Access it here: uar.co.uk
Contact the insurance provider to make them aware of your situation and to let them know you are going to make a claim. You will need:
If you cannot find all this information, call them with what you do have.
After the first contact about the claim, an assessor will let you know of any extra information or documents they need from you. They will probably ask for a copy of the death certificate, information from the doctor of the deceased, and/or legal documentation, depending on the type of policy and circumstances of the death.
Contact your loved one’s home insurance provider with the following information:
The insurer should then guide you through the next steps and advise you of any further details or documentation needed.
Contact your loved one’s car insurance provider with the following information:
If you’re a named driver on the car insurance policy, check with the insurers whether you’re still covered. If you are not, you will need to get a new policy in place.
Watch out – most policies terminate on the death of the main policy holder and this will leave the car uninsured. Ideally, the car should be parked in private parking instead of on the road.
The provider should then guide you through the next steps and advise you of any further details or documentation needed.