Access Keys

Life Insurance

There are 3 ways to get in touch. You can either give us a call, complete an online enquiry form, or contact us in writing.

Call us

Weekly peak times

Weekly peak times

Daily peak times

Daily peak times

Most of our customers have their call answered within 5 minutes, however during peak times, particularly a Monday, this may be slightly longer.

In order to get you to the right team as quickly as possible, please have your policy number ready and enter it when asked.

General enquiries

If you have a query about your policy, please call us on the relevant number shown below.

Telephone Opening Hours
Protection policies available prior to 2006:
0345 300 4455* Mon to Fri 8am–6pm, Sat 9am–12.30pm
Protection for Life (P4L) policies (available from 2006 onwards):
0800 032 0947* Mon to Fri 8am–6pm, Sat 9am–12.30pm
Scottish Widows Protect policies (available from 2015 onwards):
0345 030 3240* Mon to Fri 9am–5:30pm
*We may record and monitor calls to help us improve our service.


Our dedicated claims team will ensure your claim is dealt with as smoothly as possible. Take a look at our claims page to find out the number to call for the plan you have.

Make a claim

Online Enquiry

If you prefer to contact us online, please use our enquiry form.

Write to us

Additionally, you can contact us in writing at

Scottish Widows,
15 Dalkeith Road,
Edinburgh EH16 5BU

To allow us to deal promptly with your request, please ensure you include:

  • your account, plan or policy number
  • your full name
  • your address
  • how you would like us to reply and your contact details (e.g. telephone number or email address)
  • your signature, which provides with us with your consent to complete your instruction

Once we have received your letter, we aim to respond to your request within 5 working days. Please note in order to process some requests, we may need to get in touch with you for additional information. Therefore to avoid any delays in being able to carry out your request, please can you include a daytime contact number or email address.