Explore our first annual claims report, featuring real data, client case studies, and insight into the claim journey from first call to final payout.
Our support ensured these policies remained active when needed.
To support them from the start of their claim, while 9% of claims were identified during a review
With an average monthly benefit of £1,940 this allowed our claimants to focus on recovery rather than bills.
Following the loss of a loved one. These payouts provided financial relief; secured mortgages and protected the long-term.
With a serious condition able to prioritise recovery with a tax free lump sum payout.
Were completed across Terminal Illness, Children’s Critical Illness, Fracture Cover and Premium Waiver.
Our 2025 data paints a clear picture. The people who needed their cover most were employed, had families depending on them, and couldn’t afford for their protection to fail. 82% had children at home. 73% were the sole breadwinner. 93.5% risked losing their income whilst claiming. These aren’t just statistics - they’re the reason getting protection right matters so much.
93.5% of our claimants lost an income whilst making a claim - making their protection not just valuable, but essential
73% of income protection claimants are sole breadwinners. For most, a gap in cover isn’t an inconvenience - it’s a crisis.
74% of our life insurance payouts were written in trust - ensuring money reached its intended recipients quickly, bypassing probate entirely.
76% of our claimants came to Waddle first when they needed to make a claim. We were there from the very first conversation to the final payout.
61% of our claimants are male, 39% female. Protection needs are equal, but the gap in cover isn’t. We’re committed to closing it.
Our average claim took 90 days to pay out. We’re focused on shortening that journey. Because when life stops, every day counts.
Graham came to us for a second opinion on his protection. We uncovered a 17-year-old policy with unbeatable cover - one worth holding onto. Two years later, after a stroke, that legacy policy paid out £75,000 when he needed it most. The right advice. At the right time. For all the right reasons.
Twelve outdated policies. No Trusts. Then - stroke, fracture, and later, bereavement. Because Waddle restructured everything, payouts were fast, probate was bypassed, and the cover actually worked when it mattered most.
A teenage health scare, emergency surgery, and weeks in intensive care. With Waddle guiding the claim, £25,000 was paid quickly, extra support was accessed, and the family could focus on recovery - not bills.
Life can be unpredictable, but your claim journey doesn’t have to be. With Waddle by your side, you’ll have dedicated support from your very first call to your final payout
Whether you’re looking to review your existing cover to make sure it still works as hard as you do, or you’re looking for advice on a new policy, our advisers are here to help. We’ll make sure the right protection is in place - so that when you need it most, it delivers.
Get Proper Peace of Mind 🐧
Download our 2025 claims report for the full data, real client stories, and an honest look at what happens when protection is truly put to the test.
Inside you’ll find everything from our end-to-end claims process and the support we provide at every stage, to deeper trends from our 2025 data. We’ve also sat down with our senior advisers and Head of Claims for an honest Q&A on what really happens when a claim lands on their desk.
Real claims. Real people. Real outcomes - all in one place.
We handle everything from the first call to the final payout. We chase insurers, manage paperwork, coordinate medical evidence and keep you updated every step of the way. You focus on recovery, we’ll do the rest.
Not with Waddle. We act on your behalf, liaising directly with the insurer so you never have to sit on hold or chase for updates. That’s what we’re here for.
Our average claim took 90 days in 2025. Some are quicker, some take longer - usually when additional medical information is needed. We work to keep things moving as fast as possible.
Many policies include added benefits from day one; second medical opinions, physiotherapy, mental health support and nurse-led care. We’ll help you understand exactly what you’re entitled to so you can get the support you need.
No, not a penny! Claims support is part of the service. There’s no extra cost for having a dedicated person in your corner when you need it most.
Get in touch and we’ll do our best to help. While our primary focus is on policies we’ve arranged, we understand that sometimes people just need guidance - and we’re not ones to turn people away.
A dedicated person. From your first call, you’ll have one point of contact who knows your case, your policy and your circumstances. No starting from scratch every time you call.
Every time. Chasing insurers is part of the job - and we’d rather it was us waiting on hold than you.
We support claims across life insurance, critical illness, income protection, terminal illness, fracture cover and more. If you’re not sure whether your policy qualifies, just ask - we’ll point you in the right direction.
If your filing system is a drawer full of mystery envelopes and good intentions, don’t worry. We’ve seen it all. Send us what you’ve got and we’ll figure it out together.
Already have protection in place? We believe your cover should grow with you. Our friendly Policy Check reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working its best for you.
