Make a Multi-Fracture Cover claim
Multi-Fracture Cover is available as an additional benefit on Life Cover, Critical Illness Cover, Life and Critical Illness Cover and Income Protection.
What does it do?
If you fracture a bone, dislocate a joint, rupture or tear a tendon or ligament as a result of injury, you may be able to make a claim for a lump sum.
The type of injury and the amount you can claim will be subject to the information provided in your policy terms and conditions.
We recommend you check these first to ensure that:
a) you’ve got this benefit and
b) that the injury you’re claiming for is covered.
How do I know if I’ve got Multi-Fracture Cover?
Check your policy documents – if you selected muti-fracture cover when you originally took your policy out you’ll see this shown on your policy schedule under the ‘additional benefits’ section.
Letting us know about your claim
The quickest and easiest way to notify your claim is via our online claims form.
Before you get started it’s helpful to have the following information to hand which you’ll need to complete the form.
- Your policy number
- Details of your injury, including when and how it occurred
- A definitive diagnosis of your injury from your GP or treating medical professional
- Any supporting medical evidence
Get in touch
- 0370 240 0073 (Between 9:00am and 5:00pm Monday to Friday, excluding bank holidays)
Don't know your policy number?
If you're not sure what the policy number is, don't worry. Just call us on 0370 333 1550 and we'll be happy to help. We're open 9.00am - 5.00pm Monday to Friday, excluding bank holidays.
If you're dialling from outside the UK it's +44 1793 511 227.
Just so you know, we may record or monitor calls to and from our team for training and quality purposes.
Frequently asked questions
If you’ve got questions, we’ve got answers. Check out our range FAQs from claimants just like you.
We’ll ask you to provide evidence to support your diagnosis so we can assess your claim. This may include medical reports, in or outpatient assessments from a combination of your GP, hospital or treating practitioner. The quicker we can get this information, the faster we can assess your claim and pay your benefit.
We may also need to request for consent to access medical information or to write to your GP or medical professional if needed.
Not necessarily, however we do need a definitive (rather than suspected) diagnosis that a fracture has occurred from your GP or treating medical professional.
This is really important. We can’t consider a claim without a definitive diagnosis that a fracture has occurred, or where the fracture is classified as suspected, fatigue, hairline, stress, avulsion, chip or a microfracture.
No.
In order to be considered a valid claim, the relocation must be subject to regional, local, spinal or general anaesthesia or sedation.
You can find out more about this in the information shown about Multi-Fracture Cover in the appendix section of your policy terms and conditions.
Generally speaking a tear or rupture would need to be classified as a ‘complete tear’ in order to be claimable under this benefit.
Take a look at the more detailed information relating to specific types of injuries shown in the appendix for Multi-Fracture Cover shown in your policy terms and conditions.
If you’re not sure, just give us a call and we’ll be happy to help.
Timescales can vary, especially if we’re dependent on 3rd parties such as your GP or medical professional for information needed to assess your claim.
The more information we have upfront, the faster we can assess your claim, so making sure you provide as much detail as early on as possible, the better.
No, you’ll need to maintain your regular premiums as normal.
There are a range of support mechanisms available, including access to Zurich Support Services.
This offers targeted support for a broad range of life events, big and small.
It’s free and completely confidential, available 365 days a year, 24 hours a day. To find out more simply download our brochure.
You can write to us at: Zurich Assurance, Protection Operations, PO Box 4157, Swindon, SN4 4 QB.
We’re committed to providing you with the highest possible level of service. If you feel we’ve not delivered this, let us know so we can act quickly to put things right. To do this, please complete our life protection online complaint form.
If you need any further help please visit:
Zurich Support Services
We’re here for you 24/7 and provide easy access to free, confidential support whenever you need it.
From legal guidance to money worries and emotional support it’s all part of the service.
*Calls to and from our team may be recorded or monitored for quality and training purposes.
Data protection
Your privacy is important to us. You can view our Fair Processing Notice here which explains everything you need to know, or if you'd like to understand more about how we use and process your data take a look at our data protection leaflet: