Sickness
insurance

It is a condition of all insurance policies that incidents that may result in claims are reported to insurers without delay. If such incidents are not reported within an acceptable timescale (usually 30 days from the time of the incident), your insurers may refuse to indemnify you.

In the event of a claim in relation to a commercial business policy you should contact your Lycetts account executive/handler as soon as possible. When completing claim forms, ensure the whole form is completed as far as possible and it is signed on your behalf or your company’s behalf by an authorised person. For sickness cover claims, please note:

• Serious injuries or fatalities must be reported immediately by telephone to enable your insurers to investigate should they wish. It is not acceptable to wait until the claimant has returned to work.
• Minor injuries should be reported as soon as possible.
• Wages details and copy sick notes should be forwarded without delay so as not to prejudice interim payments.

For further detailed information relating to claims concerning injury to employees or third parties, damage to third party property, loss or damage to own property, personal accident or motor accidents, please click here.