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How long does the application process take from start to finish?
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We can get you covered in as little as 20 minutes, but the average application takes 20 days to process and sometimes even longer. This is because of something called “underwriting”, where the insurance company assesses the risk you pose and decides whether to offer you cover on standard rates, at a higher than standard premium or refuse to cover you at all. If you have existing medical conditions then the insurance company may want confirmation of your medical history from your GP (a “GP’s Report”) and this can take many weeks to get. We recommend you start the application process as early as you can… once we have got agreement to cover you we can then hold the cover with the aim of starting when you are ready.
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