Howden Insurance: Here for you, no matter what
At Howden, we know that life can bring unexpected challenges, and everyone’s situation is unique. Whatever challenges you’re facing, our commitment is to be here for you, offering support, reassurance, and guidance when you need it most. Below, you’ll find ways we can assist in various situations, along with resources to empower you to make the best decisions for yourself.
There are lots of different reasons that you might benefit from a little extra help, and we’d like to be able to offer it to you when it’s most needed. From a permanent disability, mental illness, eyesight or hearing impairment, or learning issues to a temporary inability to pay your bills or a change in circumstances such as bereavement. We are here to help.
We are constantly looking for ways to make your contact with us as straightforward as possible.
If there is a way of improving our service and support to you, please let us know
1. Mental wellbeing matters
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When you’re going through a tough time with your mental health, even the simplest tasks can feel overwhelming. It’s okay to feel this way, and we’re here to support you, step-by-step, so you’re not going through this alone. How we can support you:
Further resources:
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2. Supporting you through illness
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Facing or recovering from an illness can be a long, challenging journey. You deserve the time and space to focus on your health, and we’re here to help by making the details easier to manage. Let us provide support so you can concentrate on what matters most. How we can support you:
Further resources:
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3. Physical disabilities
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Living with a physical disability means having unique needs, and we’re committed to ensuring your experience with us is as smooth and accessible as possible. You deserve the flexibility to manage things in a way that works for you, and we’re here to adapt to what suits you best. How we can support you:
Further resources:
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4. Hearing impairment, speech impediment or similar difficulties
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Where you would prefer or need to communicate with us via email, you may also use the email address shown above: client.support@howdeninsurance.co.uk. If you are an existing client, we will direct you to your Howden branch, or if you are a new client, to the most appropriate branch for you. Please include in your email the purpose of your enquiry with details and the type of policy you wish to review. How we can support you: Further support might be required if you are dyslexic or finding it difficult to read from the paper your documents are printed on. Please ask us about having documentation printed on a different colour paper or in large print. Documents in these different formats can be requested by emailing us at large.print@howdeninsurance.co.uk. Alternatively, you can contact your Howden branch in other ways — by visiting the branch or telephoning us. Where you email us, please include the nature of your enquiry along with your name, full address, and the type of policy. Further resources:
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5. Financial Difficulty
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If money is a bit of a struggle for you at the moment, you’re not alone — we are here to help. How we can support you:We understand lots of things can lead to financial difficulty and our team will be happy to discuss your individual circumstances in order to assess your needs. This may include removing elements of cover you no longer require, making changes that could reduce your premium, and ensuring your details are up to date. Examples of options include, but are not limited to, reviewing your demands and needs, adjusting cover either on a short or long-term basis, and looking at other suitable products in the marketplace. Where changes to your insurance cover do not suit or help your financial situation and you pay for your insurance by premium finance, further financial tailored support — taking into account your individual circumstances — may be available from your finance provider. Please let us know should you prefer to make an appointment to discuss matters confidentially with a Branch Manager or Manager. Email: client.support@howdeninsurance.co.uk Other Financial SupportDebt advice – help is at hand Debt advice is where you get help from people in dealing with your debt. They can help you talk to people you owe money to and set up a repayment plan you can stick to.
Further resources:You can also contact the following not-for-profit organisations directly for free, non-judgemental and impartial debt advice through telephone, online and face-to-face channels: MoneyHelper Money Advice Scotland Citizens Advice Advice NI Citizens Advice Wales AdviceUK Christians Against Poverty (CAP) National Debtline StepChange Debt Charity Ask Bill Business Debtline Civil Legal Advice Samaritans |
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6. Caring for a loved one
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Taking care of a loved one can be both rewarding and demanding. You don’t have to handle everything on your own, and we’re here to support you every step of the way. How we can support you:
Further resources:
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7. Bereavement support
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Losing someone close to you is one of life’s most difficult experiences. It’s okay to take all the time you need, and we’re here to handle the details so you can focus on healing. How we can support you:Simply call in to or telephone your local branch, or email client.support@howdeninsurance.co.uk to notify us. Details of our branches can be found on our website — you don’t even need to know which branch originally handled the policy. Just provide us with the details and we’ll deal with the rest for you. What we’ll needThe policyholder’s name, postcode, and date of birth. What happens next?We will ask you to supply a copy of the death certificate and will discuss the ongoing policy with you to ensure the right outcome. Further resources:
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8. Domestic violence
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If you’re experiencing domestic abuse, we understand that this can be a very difficult time, and you’re not alone. We’re here to provide compassionate and confidential support, ensuring you have access to the resources you need to feel safe and in control of your situation. How we can support you:
Further resources:
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9. Limited mental capacity
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We know that processing complex information can be challenging, and we’re here to offer support. Our goal is to make things straightforward and accessible, so you can feel informed and empowered, whatever your needs may be. How we can support you:
Further resources:
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10. Appointing someone to act on your behalf
Managing your insurance policy or application
If you need assistance in managing your policy, you can notify Howden and request a Delegated Authority on your record.
Power of Attorney
If a client has a Power of Attorney who wants to act on their behalf, we will need a certified copy of the Lasting Power of Attorney (LPA) certificate to be sent to the branch/branches that hold your policy/policies.