FAQ's

The FSA is the independent watchdog that regulates financial services. Combined Insurance is authorised and regulated by the Financial Services Authority and our FSA register number is 202081. For further information please contact the FSA by visiting their website www.fsa.gov.uk or calling them on 0845 606 1234.

Combined is covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of your claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk.

Private medical insurance aims to cover you so that if you require hospital treatment you'll be treated as a private hospital in-patient, rather than as an NHS hospital in-patient. You pay monthly premiums to keep the cover in force and if you need to make a private medical insurance claim, the insurance company will usually settle the private hospital bill(s) direct with the private hospital. Please visit the What is private medical insurance? page on this website for more information.

Please visit the State Benefits page on this website for more information.

Established in 1989, Best Doctors is dedicated to improving the quality of care for seriously ill individuals by making sure that they get the right diagnosis and the right treatment. They have a continuously updated global database of over 50,000 doctors recognised as the best in their field, on standby. Should you need them, the best expert is identified from the database to provide an in-depth review of your case confirming your diagnosis and providing you with the knowledge you need to make the best decision for treatment. Please visit the Best Doctors page on this website for more information.

Contact Us for more information.

Please visit the Make a Change page on this website. Then print and complete the Direct Debit Form and post/fax it to us.

Yes, at any time - just Contact Us.

If you need to make a new claim, please notify us as quickly as possible, by calling us on Freephone 0800 169 7733 between 9am and 7pm Monday to Friday. Please visit the How to Claim page on this website for more information.

To get a duplicate of your insurance policy please Contact Us.

Yes - please Contact Us and we will send you an Indemnity Form to sign.

Please visit the Make a Change page on this website, complete the Change of Contact Information online form and we’ll update our records.

Contact Us and request an Endorsement Removal Form. If you have been symptom-free from the condition to which the endorsement relates and have not taken any medication for this condition for the duration of the endorsement, complete the form, ask your doctor to sign it and return it to us at the address shown.

Yes, please look at our Our Products for more information and a free quotation.

Please see your policy wording for full cover details.

Please Contact Us and let us know about your change of circumstances.

Yes, please complete the Request A Quote form.

Please Contact Us by telephone, email or in writing.

Visit the Insurance Terms page on this website for explanations of some key words and phrases in your policy. Alternatively, you can Contact Us and one of our Customer Services Advisers will be happy to help.

Yes, please Contact Us and we will send you a copy of your application form.

We value customer feedback and recognise the importance of addressing a complaint promptly and effectively. If you would like to complain please contact our Customer Services Department at the above address, call our freephone number of 0800 169 7733, or email csd@uk.combined.com.

If we cannot resolve the matter within 24 hours, we will, within 5 business days of receiving your complaint, inform you of the person who will investigate your concerns and indicate when you can expect to receive a formal response.

If we are unable to provide you with a full response within 20 business days we will write explaining why this is the case and keep you updated on our ongoing investigation.

If you remain dissatisfied with our response, you can write to the Quality Assurance and Development Manager (at the above address) who will review your complaint to ensure the decision was sound and that we explained our reasons clearly. If you find our decision unacceptable, or after 40 working days has passed since you notified us of your complaint, you can ask the Financial Ombudsman Service to investigate.

The Financial Ombudsman address is:
Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Tel: 0845 080 1800 Fax: 020 7964 1001
Email: enquiries@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

This does not affect your right to take legal action at a later stage.