Help for existing customers

If you already have a life insurance or critical illness policy with us, you can find help here.

Make a life insurance claim Make a critical illness claim

  • You can cancel your policy at any time, free of charge. If you cancel within 30 days of its start date, Scottish Widows will refund any payments you’ve made.

  • You can’t change your policy after it has started. So make sure the amount and duration are right for you.

  • If you need to update your name, address or other details, just give Scottish Widows a call. You can find the right phone number for your policy in the table below.

  • No. Your policy only pays out if a claim needs to be made. If your policy ends without a claim, then your cover will end and you won’t get money back.

    Make sure you pay each month on time, or your cover will stop and you’ll get nothing back.

  • The policy will only pay out when a claim is made. So for life insurance, it only pays out if you die while you're covered. For critical illness cover, it only pays out if you are diagnosed with an illness covered by your policy.

  • If you want to make sure that the money your policy pays out goes to a specific person, you'll need to make a Will or put your policy in a trust.

    Your Will

    In your Will, you can choose who receives the money your policy pays out. You just need to update your Will, if you already have one. If you don’t have a Will yet, then a solicitor can help you set one up.

    Trusts

    Putting your policy in trust means that when it pays out, the money will quickly go to the people you want it to reach. It could also help sidestep inheritance tax on the money paid out. A solicitor can help you set up a trust.

  • To get new policy documents, just give Scottish Widows a call and they’ll send new copies to you right away. You can find the right phone number for your policy in the table below.

  • To change the date your Direct Debits get collected, just give Scottish Widows a call. You can find the right phone number for your policy in the table below. 

  • We can't offer a payment break, so when you choose your policy make sure you'll be able to pay on time each month. If you miss monthly payments, your cover will stop and you won't get anything back.

    If you're worried about anything or if you’d like to talk about your policy, just give Scottish Widows a call. You can find the right phone number for your policy in the table below.

Get in touch

If you have any questions or want to talk about your policy, just get in touch. To make sure you reach the right team, check the table below to find the right contact details for your policy. Calls may be monitored or recorded.

Policy number beginning with

Phone number

Opening hours

Policy number beginning with

1

Phone number

Opening hours

Mon to Fri - 9am to 5:30pm

Policy number beginning with

4

Phone number

Opening hours

Mon to Fri - 9am to 5pm

Policy number beginning with

5

Phone number

Opening hours

Mon to Fri - 8am to 6pm

Policy number beginning with

SW5

Phone number

Opening hours

Mon to Fri - 9am to 5pm

Policy number beginning with

TMP or 14

Phone number

Opening hours

Mon to Fri - 8am to 6pm
Sat - 9am to 1pm

Policy number beginning with

HX6

Phone number

Opening hours

Mon to Fri - 9am to 5pm