Insurance claims

Each claim is kept with the policy it was made on, so you can see what happened, who claimed, where it is up to and what was paid, without digging through emails.

1. Add a claim

Open the policy on your insurance page and choose Add a claim. Members can choose Snap the letter: we read the claim letter and fill in the claim for you to check. Or type it in. All it needs is the day it happened and where it is up to. You can add who claimed, what it was for, the claim number, the amount claimed, the excess, what was paid, a note only you see, and the letter itself.

2. Got it by email?

Forward the insurer’s email to your NestWise inbox and choose Insurance, then It’s about a claim?. We read it, pick the policy it is most likely about (you can change it), and you check it before it is saved. When a later email or letter has the same claim number, it moves that claim along, for example from waiting to paid, instead of adding a second one.

3. While you wait

A claim still waiting on the insurer shows as one line on its policy, such as “Claim open since 3 Oct”. When it is paid, declined or withdrawn, the line goes. Choose Update on the claim to change where it is up to.

4. Your partner

Claims stay yours. If your accounts are linked and a policy is shared, the policy has a Claims switch. Turning it on asks its own yes; your partner then sees when each claim happened, who claimed, what it was for, where it is up to and the amounts. They never see your notes, the letters or claim numbers. Turn it off and the policy stays shared without them.

For health and life cover, a claim is labelled only as a hospital, extras or benefit claim. We never record a condition or treatment. NestWise keeps a record of your claims; it does not assess them or say what an insurer should pay.