Your questions answered

Your questions answered

We've put together answers to some of our most frequently asked questions. If your question is not here, our friendly Customer Services Team  will be happy to help.

Stonebridge International Insurance Ltd is a financial services company, specialising in Accident Insurance Plans. We have been established in the UK for over a decade; during which time we have worked with many leading financial services and retail companies.

We specialise in Accident Insurance. Our key product ranges include Accident Death Plans Accident Cash Plans, and Personal Accident Plans. These products pay in the event of accidental death, a stay in hospital following an accident or for the loss of limbs, sight or hearing in an accident.

No, as the virus is an illness and not as the result of an accident. Please refer to the terms and conditions of your policy

Although you may be familiar with the Coverty Direct brand, your policy is underwritten by Stonebridge International Insurance Ltd. Stonebridge provide the customer service for your policy and we are here to help should you need to make a claim. Coverty Direct is a brand name of Stonebridge International Insurance Ltd and Embignell Group. To make things clearer for our customers, we use one brand name, so you will notice that all correspondence from us is now branded as Stonebridge. You'll find that the contact details on this website will get you through to the team who are here to answer any other questions you might have.

No. Stonebridge does not provide Payment Protection Insurance (PPI). If you do hold a PPI policy please check your policy documents to confirm the insurance provider.

Stonebridge International Insurance Ltd. is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and Prudential Regulatory Authority Registered Office 4th Floor, 7/10 Chandos Street, London W1G 9DQ. Registered in England No: 3321734.

Please call our Customer Services Team who will be happy to help you.

For products that pay a death benefit we normally pay to the surviving husband or wife or to your estate as beneficiary. If you wish to name someone else as beneficiary to receive the benefits payable under the policy just contact our Customer Services Team who will be happy to help you.

Your policy does not hold a surrender value. This is because your insurance is a protection product rather than an investment product. For further information please contact our Customer Services Team.

Yes. Please contact our Customer Services Team who will be able to replace your existing policy documents. There is no charge for this service.

Please contact our Customer Services Team to let them know of any changes, such as contact details, policy cover, beneficiary nominations etc.

We are able to collect your premiums by direct debit, debit or credit card, and in some cases your catalogue account. Our Customer Services Team will be happy to advise you on how to change your payment method.

You can choose which date you pay your premiums. Simply let our Customer Services Team know your preference.

We want your claim to be handled as quickly and efficiently as possible. If you (or your family on your behalf) need to make a claim please call our Claims Line on 0808 178 3232 Lines are open between 8.00am and 8.00pm Monday - Friday. Click here to find out more.

We understand that your circumstances may change and you may wish to consider cancelling your policy. For guidance and support in making this decision please contact our Customer Service Team. We would appreciate knowing your reasons for cancelling to ensure you are making an informed decision, and to improve our products for existing and future customers

Yes. It may be possible to change your cover and extend protection to members of your family. Our Customer Services Team will be happy to help you.

Customer satisfaction is extremely important to us, so should you have any complaints we will try to resolve them quickly. Please read our Complaints Policy for further details.

Please contact our Customer Service Department using the details on the contact page. They will be happy to help you

There is no investment value for your type of policy. The policy renews each month when you pay a premium.

You can find a copy HERE