We understand that losing someone is one of the most difficult times you’ll have to face. That’s why we have created a useful guide to help you through the next steps. There is also a useful checklist for you to download if you wish.
If the person who has passed away is a customer of ours, please notify us as soon as possible by calling us on the number shown below and our specially trained staff will go through everything with you.
Car insurance 0344 412 2128
Van insurance 0344 412 2124
Home insurance 0344 412 2123
You must register the death at either the register office closest to where the person passed away or at your local registry office within the following time frames:
The register office will issue you with a death certificate which is required by most organisations prior to settling any affairs.
For more information on your local register office, please visit www.gov.uk/register-offices
Register with the government’s Tell Us Once service
This service lets you report a death to most government organisations in one go. It covers a wide range of topics such as pensions and passports.
For more information, please visit https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once
For all insurance policies, please call the number shown above. Please note that although we will update our records when we have spoken to you, you may get correspondence addressed to the deceased for a few days as some of our letters and emails are generated in advance.
If you are notifying us of the death of a motor insurance policyholder it’s important to check the policy details and any accompanying documentation to confirm whether Personal Accident Cover was purchased along with the Motor Insurance policy.
If this cover was purchased, there may be a cash benefit available if the cause of death was due to an accident (this is not limited to a motor vehicle accident).
Please call the telephone number on the policy documents to speak to the provider who will be able to help you through this process.
You will also need to inform other companies which could include other insurance companies, utility companies, bank and building societies to name a few. The Death Notification Service, a free online service, is available to enable you to notify participating banks and building societies with one click.
For further information, please visit https://www.deathnotificationservice.co.uk/.
We have also created a useful checklist which you can download here: Bereavement Checklist
Some organisations will ask to see the will before settling any affairs. Here at Budget, we do not need to see the will or the death certificate. A will contains:
If there is no will or it can’t be found, the deceased’s estate is distributed according to the law of intestacy, which determines how it’s divided and shared.
For more information about wills, you can read the government’s guide.
Please visit https://www.gov.uk/wills-probate-inheritance
If you’re named in the will as an executor, or named by the laws of intestacy you are a ‘personal representative’. You can decide whether you want to deal with the estate yourself or appoint a solicitor, bank or specialist probate service to do some, or all, of the work. If the estate is small and probate isn’t required, a personal representative may be able to deal with everything within a few weeks. But if probate is required or the deceased person owned a property, the process may take longer.
Probate is a term used when you apply for the right to deal with a deceased person’s affairs. You might also hear it called ‘administering the estate’. In Scotland, a grant of probate is called ‘confirmation’. Probate may be needed if the deceased person had assets, such as cash, property, or shares, worth more than £5,000, solely in their name. It’s important to note that probate can take up to 6 to 9 months to obtain. If there isn’t a will, instead of probate, you’ll need a legal document called Letters of Administration.
For more information about obtaining probate, you can read the government’s guide.
Please visit https://www.gov.uk/wills-probate-inheritance
We understand that it may be difficult to pay for the funeral but if the deceased had funds in their accounts, your Bank, Building Society or financial institution may be able to release funds to help with costs. Please contact your Bank, Building Society or Financial Institution who will provide the necessary assistance.
Help and Bereavement Support
Cruse Bereavement Care – www.cruse.org.uk
The Samaritans – www.samaritans.org
Age UK – www.ageuk.org.uk
National Association of Funeral Directors – nafd.org.uk
The British Humanist Association – humanism.org.uk
The Natural Death Centre – www.naturaldeath.org.uk
Financial and Legal Advice
The Probate Service – www.theprobateservice.org
Citizens Advice Bureau – www.citizensadvice.org.uk
Hi! If you’ve got a question or need help using our services, just let me know. If I can’t help you myself, I’ll find the best person who can.
We’re currently experiencing a high volume of calls into our contact centre and whilst we are doing our very best to maintain service levels, we ask that you only call our contact centre if absolutely necessary so we can keep our phone lines available for vulnerable customers and those who don’t have access to online services.
If you need to check any details or make a change to your policy, please log in to your Self-Service Centre. It will be much quicker for you to make changes to your policy online at the moment. Once logged in, you can also use our Webchat service which is available Monday- Saturday 8am-6pm and Sunday 10am-4pm to make changes, accept or decline your renewal or if you need to let us know about a claim. To log in, please click here.
We also have some other information that may be useful. Click here to read our FAQ’s, and information on what we are doing to support key workers can be found here.