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Guide to insurance services for disabled

The ABI is expanding its guide to the Disability Discrimination Act 1995 to cover general insurance including income protection policies.

The guide is aimed at helping claims, customer service and underwriting staff understand the Act&#39s requirements and provide better service.

The ABI estimates that 8.5 million people meet the definition of disability under the Act which comes into effect next year.

Previous guidance published in September 2001 covered only life and disability insurance. The new guide will cover relevant general insurance topics including travel and accident sickness and unemployment, which are affected by the requirements of the Act.

It includes recommendations on how insurers should offer as much cover as possible if full cover is not available, and be open about underwriting and claims decisions.

ABI director general Mary Francis says: “This guide not only ensures that companies are fully aware of their legal obligations but, through developing best practice, that they can provide the best possible service to disabled people.”

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