How to claim, and how fast insurers pay

A funeral claim needs the death certificate, the IDs of the deceased and the claimant, and the policy number. With those in hand, many insurers pay within 48 hours. This guide lists the documents, explains what slows a claim down, what to do if a claim is declined, and where to complain if you disagree with the outcome.

This guide is being expanded. The summary above is complete and correct as at September 2026.