dencover go digital - We have now launched our brand new online portal to provide a faster, more efficient way for you to submit claims - Learn more

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dencover go digital

2018 05 08
On the 29th May we're launching a brand new online portal to provide a faster, more efficient way for you to submit claims - without the need for a claim form.

The new portal will also include a live benefits schedule so you can track your benefit limits throughout the policy year.

When can I start using it?

We’ll send you an email with your new policy number and a link to register online shortly after the 29th May. Once registered you can use the portal to make claims, check your benefit limits and get in touch.

What else has changed?


Your policy

We’ve also taken the opportunity to simplify the terms and conditions in our policy document, making it easier for you to understand the cover we provide. For instance, the number of policy exclusions has been reduced significantly. As part of this update there are other key changes to the policy we need to draw your attention to:

  • You may amend your level of cover (up or down) only once during your benefit year
  • We have changed the definition of ‘Oral cancer’ to ‘Mouth cancer’ and have updated our explanation of the condition
  • If you choose to add a person to your policy during the second half of your benefit year, the new joiner’s benefits will be pro-rata meaning that they’ll receive half year benefits. If they’re added in the first half of your benefit year, they will receive a full years benefits as usual
  • We’ve updated our Data Protection wording to explain how we use your data

This new policy wording will be available to read on the new portal when you login, but it won’t take effect until your first monthly renewal after 1st July 2018. You should read this new document carefully to ensure you understand and agree to the new terms. You have the right to reject these new terms by contacting us to cancel your cover.

The claims process

From the 29th May you can submit claims to us online using the portal. Online claims can be assessed within 5 working days of receipt and provided we have the information we need to approve your claim, payment will leave our account the same day and may take 3-5 days to reach your account.

If you wish to post your claim after 25th May, please send your claim to dencover, Milton Court, Dorking, RH4 3LZ.

Claims submitted before 25th May should be submitted by post to the usual address: Specialist claims, PO Box 1192, Doncaster DN1 9PU.

Your Direct Debit reference

Our Service User Number (SUN), the reference number banks use to associate payments with accounts, is changing from 430390 to 509828. Our move to the new SUN means that your bank will require us to set up a new Direct Debit instruction to maintain your payments.

To make this change, we will set up new instructions using the new SUN and your new policy number as the reference, and we will cancel your existing instruction. Don’t worry, there is no action for you to take and The Direct Debit guarantee will, of course, apply throughout this process.

These changes will come into effect at your next renewal.

If you have any questions about these changes, please email dencover@unum.co.uk.

direct debit

The Direct Debit Guarantee • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits • If there are any changes to the amount, date or frequency of your Direct Debit Unum Dental will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Unum Dental to collect a payment, confirmation of the amount and date will be given to you at the time of the request. • If an error is made in the payment of your Direct Debit, by Unum Dental or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society – If you receive a refund you are not entitled to, you must pay it back when Unum Dental asks you to • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

dencover is the trading name of Unum Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: Milton Court, Dorking, Surrey RH4 3LZ. Registered in England No 983768.