The word from Waddle Insurance as they publish a new report looking at claims problems;
In their inaugural claims report, award-winning protection advice specialists, Waddle Insurance, reveal that almost a third of their 2025 protection claimants had at some time come close to losing their cover through letting their payments lapse or considering cancelling their policies. On average their 2025 claimants had only held their policies for two years. These figures show just how important it is for advisers to ensure their clients are totally aware of the value of the cover and how soon they may need it.
Founded in 2010 in Swansea, south Wales covering the whole market, Waddle Insurance has grown significantly over the past few years. This expansion has been built on strong client relationships, taking the time to understand each one’s personal needs and ambitions. This growth is reflected by their total claims pay out reaching more than £1 million for 2025.
The strength of these relationships is shown by the fact that over three quarters of claimants approached Waddle Insurance first to start their claim, rather than the insurer. The importance of this deep connection is underlined by the fact that nearly one in 10 of their claims in 2025 was because of a client review.
Almost three quarters of Waddle Insurance’s income protection claims for 2025 came from sole providers for their households. Communicating how crucial this cover can be to families is a core part of the Waddle proposition. This need is highlighted by the fact that 82% of their claims last year came from people with children.
Nathan Wootton, Operations Director, Waddle Insurance said: “I’m proud of the consumer-centric culture we’ve created at Waddle Insurance and our 2025 claims figures show just how vital it is to have a continuing dialogue with clients. It is this focus on knowing our customers and their needs that has helped to make sure 95% of valid claims for last year have been paid or are in the process of being paid. Our data shows that not having the correct information can significantly delay claims completion, adding on average 40 days to the journey. Our business is about helping real people who are experiencing real problems. Taking time to know them, their priorities and keeping their records up to date means we can be there to support them when they need assistance the most.”
Naomi Jeffs, Head of Claims, Waddle Insurance said: “I’m proud to introduce our first Claims Report – designed as a toolkit of sorts, created to give clients greater clarity and provide reassurance at a critical time. Too often, people are left questioning what happens next during a claim, but this report brings transparency to the process, showing that insurers do pay claims and offer meaningful support beyond the payout. By shedding light on the realities of claims, we aim to remove uncertainty, guide clients with confidence, and help shape a clearer, more supportive path for the future of personal protection.”
Click here to read the Waddle Insurance Claims Report 2025
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