Why am I being referred to another company to handle my claim?

The insurance is arranged by Crispin Speers & Partners but is, in fact, a contract between your employer and certain underwriters at Lloyd’s of London under which you, as an employee, are a beneficiary. Claims are handled by the company named on the certificate who act on behalf of, and have authority to represent, those insurers. The full terms of the insurance are set out in the policy wording available through your employer.