Letter of authority | Customer | The Exeter


Could someone manage your policy for you if you couldn’t?

<br>Could someone manage your policy for you if you couldn’t?

Life doesn't always go to plan. An illness, injury or unexpected change in circumstances could mean there comes a time when you need support managing your policy.

That's why it's worth considering who you would trust to help with your policy if you ever needed support.

There are different types of authority available depending on the level of support you need, from allowing someone to discuss your policy with us to enabling them to make decisions on your behalf.

Giving someone authority to speak to us

You can give permission for a trusted friend, family member or adviser to speak to us about your policy on your behalf. This is often referred to as a Letter of Authority and can be useful if you're unwell, recovering from an operation, or simply want another person to help manage things.

You can decide:

  • Who can speak to us
  • What information they can access
  • How long their authority is for 
  • Whether their authority is to help with a specific issue, such as a claim

This allows us to discuss your policy with them, whilst still protecting your personal information and privacy.

Giving someone authority to act on your behalf

There are different ways to give someone authority to help with your policy. Some arrangements simply allow a trusted person to speak to us on your behalf, whilst others give someone legal authority to make decisions or manage affairs for you. The options available may vary depending on where you live in the UK. 

 

 

 

Letter of Authority (LoA) Lasting Power of Attorney (LPA) and other similar UK arrangements
Allows a trusted person to speak to us about your policy on your behalf. We review this authority regularly to ensure it still works for you. Allows a person you trust to make decisions or manage affairs on your behalf.
You remain in control and decide what information we can share. Gives the person legal authority to act within the powers you’ve given them.
Can be used when you would like support managing your policy or a specific matter, such as a claim. Often used for future planning, particularly if you become unable to make decisions yourself.
Usually completed directly with us. Usually requires formal legal advice and documentation and may need to be registered with the relevant public authority, depending on where you live in the UK. 
Doesn’t give someone legal authority to make decisions on your behalf. May allow someone to make decisions relating to your finances and in some cases, health and welfare.

 

 

 

It's easier to put plans in place before you need them

Many people don't think about these arrangements until a difficult situation arises. Taking a few minutes to consider who could support you in the future can help make things easier for you and your loved ones if circumstances change.

Even if you're perfectly healthy today, having these conversations and making plans ahead of time can provide reassurance that someone you trust could help manage important matters when needed.

Need to add someone to your policy?

If you’d like to authorise someone to discuss your policy with us, or you’d like to understand what authority we may need before someone can act on your behalf, we’re here to help. Get in touch using the details below. 

Contact details:

Email: member@the-exeter.com
Phone: 0300 123 3201