Make a Total Permanent Disability claim
Total Permanent Disability cover is an optional benefit which can be included as part of Critical Illness Cover or Life Cover and Critical Illness Cover when you originally took your policy out.
What does it do?
If you’re diagnosed with an illness or injury before the age limit specified in your policy terms and conditions, which means you’re unable to ever do your own occupation again, you may be able to make a claim.
You can find out more about this benefit in your policy terms and conditions.
How do I know if I’ve got this benefit?
Check your policy documents – if you selected Total Permanent Disability 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 illness or injury, including when and how it occurred
- Any supporting medical evidence
If your policy starts with PR
- 0370 240 0073 (Between 9:00am and 5:00pm Monday to Friday, excluding bank holidays)
If your policy doesn’t start with PR
- 0370 243 0827 (Between 8:30am and 5:30pm 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 1500 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 FAQ’s from claimants just like you.
We’ll generally need to obtain medical information to support your claim from your GP, consultant or treating medical professional(s) and we’ll ask for your consent to do this.
To help gets things moving please send us copies of any medical reports, diagnostic tests, in or out-patient assessments etc. The quicker we can get this information, the faster we can assess your claim and pay your benefit.
We’ll generally ask for your consent to obtain medical information from your GP or treating consultant and we’ll use this information to assess your claim.
After we’ve received these medical reports we may ask you to have an independent medical examination.
It may be necessary for us to contact your employer, the Department for Work and Pensions, or any other insurance company that you have made a claim with.
This ensures we have a more complete picture in order to fully and accurately assess your claim.
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 until we’ve completed the assessment of your claim and made a decision.
Once we pay out the sum assured on the policy it will then stop, and cover will end.
Coming to terms with a diagnosis can be difficult for you and your family. If you need emotional support or you’re experiencing financial difficulty as a result of your diagnosis, there are a range of support mechanisms available, including access to Zurich Support Services.
It’s free and completely confidential, available 365 days a year, 24 hours a day. To find out more simply download our brochure.
This service is provided free and completely confidential, available 365 days a year, 24 hours a day. To find out more simply download our brochure.
If your policy begins PR you can write to us at: Zurich Assurance, Protection Operations, PO Box 4157, Swindon, SN4 4QB.
If your policy doesn't begin PR, please use this address instead to make sure we get your correspondence to the right place, first time. Zurich Assurance - InForce Claims, Unity Place, 1 Carfax Close, Swindon, SN1 1AP.
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 online complaint form. If the policy number starts with 'PR' please use the 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: