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

We aim to answer most of our customers calls within 5 minutes, however during peak times this may be slightly longer.

In order to get you to the right team as quickly as possible, please have your policy number ready.

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 6240* Mon to Fri 9am–5:30pm
*We may record and monitor calls to help us improve our service.

Claims

Our dedicated claims team will ensure your claim is dealt with as smoothly as possible. You can find out which number to call at our claims page.

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. To avoid any delays in being able to carry out your request, please can you include a daytime contact number or email address.

What would you like to do?

Find out what my policy covers

Ways to do this

To find out what cover your policy provides, please refer to the relevant Key Features documents which can be found via the links shown below. Please note these provide generic policy information only. To obtain the exact features and cover levels that apply to your policy please contact us.

If the type of policy you hold is not shown above, or if you would like further details, you can request information by phone, in writing, or via email. Ways to get in touch are shown below.

  • Online enquiry

    You can find out the details of your policy by submitting an online enquiry. Please ensure you include:

    • your policy number
    • full name & address
    • what information you would like to know
    • how you would like us to reply and your contact details (such as your email address or telephone number).
  • Call us

    To find out the details of your policy you can give us a call. Please make sure you have your policy number to hand.

    • If your policy was taken out prior to 2006 please call: 0345 300 4455. Our opening hours are Monday–Friday 8:00 am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Protection for Life (P4L) policy taken out from 2006 onwards please call: 0800 032 0947. Our opening hours are Monday–Friday 8:00am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Scottish Widows Protect policy taken out from 2015 onwards please call: 0345 030 6240. Our opening hours are Monday–Friday 9:00am–5:30pm.
  • Write to us

    When contacting us in writing to find out what your policy covers, please ensure you include:

    • your policy number
    • full name & address
    • what information you would like to know
    • how you would like us to reply and your contact details (such as your email address or telephone number)
    • your signature providing us with your consent to action your instruction

    Our address is:

    Scottish Widows
    15 Dalkeith Road
    Edinburgh EH16 5BU

How long will it take?

  • Online enquiry

    Once we have all the information needed, your request can take up to 5 working days to be processed. Depending on how you have asked us to contact you, it may take up to a further 5 working days for you to receive confirmation.

  • Call us

    We may be able to assist you immediately if you contact us by phone.

  • Write to us

    Once we have all the information needed, your request can take up to 5 working days to be processed. Depending on how you have asked us to contact you, it may take up to a further 5 working days for you to receive confirmation.

Change my payments

Ways to do this

  • Online enquiry

    You can change your payment details by submitting an online enquiry. Please ensure you include:

    • your policy number
    • your full name & address
    • the payment details you would like to change
    • how you would like us to reply and your contact details (such as your email address or telephone number)
  • Online forms

    Direct Debit mandates are available online, to download, complete and return.

    If you are changing the account details, but not the person paying the premiums, you can do this by calling us.

  • Call us

    To change your payment details you can give us a call. Please make sure you have your policy number to hand.

    • If your policy was taken out prior to 2006 please call: 0345 300 4455. Our opening hours are Monday–Friday 8:00am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Protection for Life (P4L) policy taken out from 2006 onwards please call: 0800 032 0947. Our opening hours are Monday–Friday 8:00am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Scottish Widows Protect policy taken out from 2015 onwards please call: 0345 030 6240. Our opening hours are Monday–Friday 9:00am–5:30pm.
  • Write to us

    When contacting us in writing to change your payment details, please ensure you include:

    • your policy number
    • your full name & address
    • the payment details you would like to change
    • how you would like us to reply and your contact details (such as your email address or telephone number)
    • your signature providing us with your consent to action your instruction

    Our address is:

    Scottish Widows
    15 Dalkeith Road
    Edinburgh EH16 5BU

How long will it take?

Once we have all the information needed, your request can take up to 5 working days to be processed.  Depending on how you have asked us to contact you, it may take up to a further 5 working days for you to receive confirmation.

Change my trust or beneficiary details

Ways to do this

A beneficiary is normally a person named under a trust to receive benefits from an insurance policy on the death of the plan holder.

A trustee is the legal owner of a policy and has administrative representation on the policy. Trustees will be contacted at the point a claim is made to administer payment of the benefits to the beneficiaries.

You can amend your beneficiaries and/or trustees by completing forms which are available online. You can also call or write to us.

  • Online enquiry

    You can change your beneficiary or trustee details by submitting an online enquiry. Please ensure you include:

    • your policy number
    • your full name & address
    • the beneficiary or trustee details you would like to change
    • how you would like us to reply and your contact details (such as your email address or telephone number)
  • Online forms

    Please download, complete and return the relevant form for the beneficiary or trustee change you would like to make.

    • Deed of Appointment and Removal of Trustees – This form gives the policy holder a simple way to remove a trustee from their duties by appointing another trustee in their place. The new trustee(s) will take legal ownership of the policy once appointed. They have authority to speak about the policy but cannot make changes. Trustees must be over the age of 18.
    • Deed of Appointment and Retirement of Trustees – This form should be used where up to two trustees wish to retire from their duties and the continuing trustee wishes to appoint up to two replacement trustees in their place. Please note this form should only be used if the policy holder is / are also a continuing trustee. The replacement trustee(s) will take legal ownership of the policy once appointed. They have authority to speak about the policy but cannot make changes. Trustees must be over the age of 18.
    • Deed of Appointment of Additional trustee form – This form gives the policyholder the option to add additional trustees onto their policy. The additional trustee will take legal ownership of the policy once appointed. They have authority to speak about the policy but cannot make changes. Trustees must be over the age of 18 .
    • Deed of Variation of Default Beneficiaries – This form gives the policyholder the option to amend their beneficiaries. Please note there must be two trustees on the policy to complete this form. If the policyholder is currently the only trustee they must fill in the deed of appointment of additional trustee form first. The beneficiary is the appointed person who will receive the proceeds from the policy at claim stage.

    If you hold a Scottish Widows Protect policy your financial adviser can help provide you with the appropriate trust form to complete.

  • Call us

    To change your beneficiary or trustee details you can give us a call. Please make sure you have your policy number to hand.

    • If your policy was taken out prior to 2006 please call: 0345 300 4455. Our opening hours are Monday–Friday 8:00 am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Protection for Life (P4L) policy taken out from 2006 onwards please call: 0800 032 0947. Our opening hours are Monday–Friday 8:00am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Scottish Widows Protect policy taken out from 2015 onwards please call: 0345 030 6240. Our opening hours are Monday–Friday 9:00am–5:30pm.
  • Write to us

    If you would prefer to change your beneficiary or trustee details by writing to us, please ensure you include:

    • your policy number
    • your full name & address
    • the beneficiary or trustee details you would like to change
    • how you would like us to reply and your contact details (such as your email address or telephone number)
    • your signature providing with us with your consent to action your instruction

    Our address is:

    Scottish Widows
    15 Dalkeith Road
    Edinburgh EH16 5BU

How long will it take?

Once we have all the information needed, your request can take up to 5 working days to be processed. Depending on how you have asked us to contact you, it may take up to a further 5 working days for you to receive confirmation.

Cancel my policy

To cancel your policy we will need confirmation of cancellation by all policy owners, including trustees, either in writing or over the phone. With a protection policy providing life and/or critical illness cover there is no surrender amount or value to be paid out. A refund may be due dependent on when the payment was collected in relation to the date the policy was cancelled.

Ways to do this

  • Call us

    To cancel you policy you can give us a call. Please make sure you have your policy number to hand.

    • If your policy was taken out prior to 2006 please call: 0345 300 4455. Our opening hours are Monday–Friday 8:00 am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Protection for Life (P4L) policy taken out from 2006 onwards please call: 0800 032 0947. Our opening hours are Monday–Friday 8:00am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Scottish Widows Protect policy taken out from 2015 onwards please call: 0345 030 6240. Our opening hours are Monday–Friday 9:00am–5:30pm.
  • Write to us

    When contacting us in writing to cancel your policy, please ensure you include:

    • your policy number
    • your full name & address
    • your cancellation request
    • how you would like us to reply and your contact details (such as your email address or telephone number)
    • your signature providing with us with consent to action your instruction.

    Our address is:

    Scottish Widows
    15 Dalkeith Road
    Edinburgh EH16 5BU

How long will it take?

Cancellation will take place when all relevant confirmations from owners and trustees have been received. Once this is provided, as well as any other information we need, it can take up to 5 working days for your request to be processed. Depending on how you have asked us to contact you, it may take up to a further 5 working days for you to receive confirmation.

Amend my details

Ways to do this

  • Online enquiry

    You can amend your personal details by submitting an online enquiry. Please ensure you include:

    • your policy number
    • your full name & address
    • the personal details you would like to change
    • how you would like us to reply and your contact details (such as your email address or telephone number)
  • Call us

    To change your personal details you can give us a call. Please make sure you have your policy number to hand.

    • If your policy was taken out prior to 2006 please call: 0345 300 4455. Our opening hours are Monday–Friday 8:00 am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Protection for Life (P4L) policy taken out from 2006 onwards please call: 0800 032 0947. Our opening hours are Monday–Friday 8:00am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Scottish Widows Protect policy taken out from 2015 onwards please call: 0345 030 6240. Our opening hours are Monday–Friday 9:00am–5:30pm.
  • Write to us

    When contacting us in writing to amend your personal details, please ensure you include:

    • your policy number
    • your full name and address
    • the personal details you would like to change
    • how you would like us to reply and your contact details (such as your email address or telephone number)
    • your signature providing with us with your consent to action your instruction

    Our address is:

    Scottish Widows
    15 Dalkeith Road
    Edinburgh EH16 5BU

How long will it take?

Once we have all the information needed, your request can take up to 5 working days to be processed. Depending on how you have asked us to contact you, it may take up to a further 5 working days for you to receive confirmation.

Something else

Ways to do this

  • Online enquiry

    You can contact us by submitting an online enquiry. Please ensure you include:

    • your policy number
    • your full name & address
    • the details of your request
    • how you would like us to reply and your contact details (such as your email address or telephone number)
  • Call us

    You can give us a call. Please make sure you have your policy number to hand.

    • If your policy was taken out prior to 2006 please call: 0345 300 4455. Our opening hours are Monday–Friday 8:00 am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Protection for Life (P4L) policy taken out from 2006 onwards please call: 0800 032 0947. Our opening hours are Monday–Friday 8:00am–6:00pm and Saturday 9am–12:30pm.
    • If you have a Scottish Widows Protect policy taken out from 2015 onwards please call: 0345 030 6240. Our opening hours are Monday–Friday 9:00am–5:30pm.
  • Write to us

    When contacting us in writing, please ensure you include:

    • your policy number
    • your full name & address
    • the details of your request
    • how you would like us to reply and your contact details (such as your email address or telephone number)
    • your signature providing with us with your consent to action your instruction

    Our address is:

    Scottish Widows
    15 Dalkeith Road
    Edinburgh EH16 5BU

How long will it take?

Once we have all the information needed, your request can take up to 5 working days to be processed. Depending on how you have asked us to contact you, it may take up to a further 5 working days for you to receive confirmation.