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Our insurance products

Select your insurance product below for specific information.

Contents

  1. Home Insurance
  2. Life Policies - Industrial Branch
  3. Permanent Health Insurance
  4. Getting financial advice

Home Insurance

We no longer offer home insurance.

Here's some information and support for existing customers.

U K Insurance Limited will no longer be offering Prudential home insurance policies. However, U K Insurance Limited also underwrites Direct Line branded policies, and as a customer of Prudential home insurance, you may be provided with a quote for a new Direct Line home insurance policy at renewal (subject to U K Insurance Limited’s usual underwriting criteria). If this change affects you, you don’t need to do anything at this stage. Direct Line home insurance will send you a quote around 21 days prior to your renewal date. 

If you have questions about your home insurance policy, want to cancel automatic renewal, register a claim, or make a complaint, please call 0345 605 9267.

Opening hours

  • Monday to Friday: 09:00 – 20:00
  • Saturday: 09:00 – 17:00
  • Sunday: 10:00 – 16:00

24-hour emergency helpline: 0800 032 4164

Both lines are available 24 hours a day, 365 days a year.

Prudential and Direct Line home insurance policies are underwritten by U K Insurance Limited.
Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ
Registered in England and Wales, No. 1179980

U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Registration number: 202810
You can access the Financial Services Register at fca.org.uk.

Life Policies - Industrial Branch

Industrial Branch (IB) life insurance policies were issued between 1854 and 1994 and designed to offer financial protection in two main ways:

Whole Life plans: pay out a lump sum on death.

Endowment plans: pay out either on a set maturity date or earlier, if the policyholder passes away before then. 

These policies were typically sold in person by agents who visited customers at home to collect premiums - usually paid in cash or by cheque, and can be identified by their policy number, which is usually nine digits long.

If you think you have an old life policy that was paid ‘at the door’, we can help you find it.

Please call us on 0345 640 4000. Lines are open Monday to Friday 08:00 - 18:00. 

To help us find your policy, we’ll also need the following information:

  • When and where was the policy taken out.
  • When and where the last premium was paid.
  • Life Assured’s date of birth.
  • Full name, including maiden surname of the Life Assured.
     

Please note: If you’re unable to provide these details, it may be difficult for us to trace the policy, as our records are numerically based.

If you don’t have a policy number to hand, please

  • Call us: 0800 000 000 - this is a general line that will direct you to the correct department. Lines are open Monday to Friday 08:00 to 18:00.
  • Write to us: Prudential, Customer Service Centre, Lancing, BN15 8GB. 
  • Go online: Send us a secure email.
     

We might record your call for training and quality purposes. To find out more about how we use your personal data please visit the My Data page.

Permanent Health Insurance

This plan is designed to provide you with an income after a defined period of time, if an accident or illness prevents you from working.

It has no cash-in value.

Changes to your employment or income could affect your cover.

Let us know about any changes to

  • your employment status
  • the type of work you do
  • the amount our earn.

 

By keeping us informed, we can

  • check if your cover is still suitable, and
  • explain how any changes may impact your plan. 

If you’re considering stopping payments to your plan, please contact us first. We also recommend you get financial advice. See ‘Getting financial advice’ for more information about this.

Once you stop payments into your plan, your plan will be cancelled and can’t be restarted.

So it’s important you understand the effect of any changes you make, before you make them.

There are a few things you should think about before you make any decisions.

  • If you’re looking at a replacement plan, make sure it meets your needs and has the right level and type of benefits.
  • If you’re replacing your plan with a new one, it’s important it’s started before you cancel your existing one.
  • You should think about how you would replace your income if you were unable to work due to an accident or illness and how long you might need this income for.

There’s no cash-in value.

  • You can stop payments at any time.
  • If you stop payments, your plan will be cancelled.
  • Outside of an initial period, your plan can't be restarted.
  • To restart your plan within the initial period, you’d need to pay any missed premiums and may need to complete a health declaration.

If you have any questions or need any help understanding your options, call us on 0345 640 1000 or +44 178 644 8844 if you’re calling from abroad.

Lines are open Monday to Friday, 08:00 - 18:00. Please make sure you have your plan number to hand when you call.

We might record your call for training and quality purposes. To find out more about how we use your personal data please visit the My Data page.

We can’t give you advice, but we’ll be happy to help you understand your plan, available options and their possible implications. Alternatively, you can speak with a financial adviser if you have one. If you don’t have one, see
‘Getting financial advice’ for more information.

Getting financial advice

If you’re making an important financial decision, or thinking about your longer term financial health, then we recommend you get financial advice. 

  • You should speak to your financial adviser if you have one.
  • If you don’t have an adviser, you can search for an independent financial adviser by visiting unbiased.co.uk or by calling them on 0800 023 6868.
  • You could speak to M&G Advice. Whether it's about financial planning, accessing your pension, making sure you get the most from your tax allowances or protecting your loved ones; whatever your financial goals – we can help.