If there is anything on your Application that needs to be looked at by one of the Insurance
Company's specialist Underwriters i.e. you have a job that puts your health at risk, then
delays are inevitable.
If after consideration the Underwriter is happy to approve your Application, then the
delay will usually be up to two weeks.
In approximately 1 of 7 cases the Underwriter will decide that he/she needs more information
about you. This will most commonly be related to health issues but your job or even hobbies
can prompt them into wanting more information, in which case you will receive a supplementary
questionnaire in the post which you will need to complete and return.
With health queries, the Underwriter may decide to write to your Doctor for information,
ask you to have a quick 'mini-medical', or a full medical. The insurance company always
picks up the entire cost of these medical reports. Only 1 in 10 of applicants are asked
for additional medical information - so don't be alarmed it's quite common.
However, if a medical report is required it will slow down your insurance application
quite considerably. Doctors are not renowned for their swift response to insurance company's
requests for information! Expect a delay of 6 to 8 weeks.
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