Whenever we say ‘We’. ‘Us’, or ‘Our’ in the rules we mean the combination of DeadHappy and Covéa Life Ltd.

The intermediary

DeadHappy is the intermediary and will set up and manage your plan, take payments, issue your documents, and deal with any queries you might have.

The insurer

Covéa Life Ltd is the insurer and will underwrite your insurance and will make the payout if you die.

If you have a plan with us and you die, we will pay a lump sum of money (your payout) to your legal next of kin. In return, you will pay us a monthly fee for the duration of the plan.

  • Your plan lasts for 10 years.
  • The plan will end sooner if you cancel, stop paying, or if you die.
  • The plan can be extended beyond 10 years if we both agree to it.
  • We will email you every year to see if you want to extend This may require answering a few questions to make sure you still meet our criteria and it’s possible that we won’t be able to extend your plan at that stage. If this is the case your plan will end after the original 10 years are up (or 10 years since the last extension if you have ever extended your plan).
  • The cost of a plan varies as it’s specific to you, and is based on the payout amount you set, your age and your answers to our questions.
  • As the price is based on your age, the price is likely to change once a year at the plan anniversary date.
  • You can cancel your plan at any time, there are no fees or penalties. Just log in to your account at deadhappy.com to cancel.
  • If you cancel your plan within the first 30 days, then it will end immediately and a full refund will be made.
  • If you cancel after the first 30 days, your plan will end at the next billing date and no further payments will be taken.

If you die, any of your family or friends can start the claims process by either:

Email us at:

[email protected]

Call us on:

0116 350 0134

We won’t pay out if:

  • You’re still alive (even if you try to fake your own death).
  • You deliberately lie or withhold information from us at any time.
  • Your death is caused by suicide (this includes all deaths caused by intentional self-inflicted injury).
  • You die whilst on active military duty (including reserve/voluntary services).
  • You die doing something on the DeadHappy list of extremely dangerous things (please see below).

Diving

We’re concerned with the water variety (not the football type), and specifically related to you being 20m below the surface.

Flying

If you are just a regular fare paying passenger, other than being dead, you’ll be fine. Any other flying is a problem.

Racing

Anything with an engine, or anything on an ocean. Stuff like pigeons, and anything with an egg and a spoon are all OK.

Climbing

Specifically up mountains, cliff-faces, rocks, and big buildings. Beds are not a problem, bunk-beds are the ones to watch.

Floating

The clue is usually in the name on this one, so anything with rapid or wild in it is bad news. Floating on air is classed as flying.

Jumping

From anything you don’t own, buildings, antennas, span (bridges), and earth (cliffs). It’s pretty base-ic. See what we did there?

Yo, we’ll solve it.

Please email us at [email protected] or let’s have a chat, and we’ll do our best.

If you’re still not happy, you can refer your complaint to the Financial Ombudsman Service (your legal rights are not affected). For more details you can visit their website at www.financial-ombudsman.org.uk.

Changes to your account details (e.g. payment details, email address) can be made by logging into your account.

For any other changes (e.g. smoking status, payout amount, deathwishes) please email us at [email protected] or let’s have a chat.

  • If you have a will, then your payout will go to the executors/(s) who will distribute it as specified in your will.
  • If there is no will, then intestacy laws apply, and the payout goes to the administrator who will distribute according to the law. For more info on intestacy see https://www.gov.uk/inherits-someone-dies-without-will.
  • If you have created some deathwishes alongside your plan then the details of these will be given to whoever receives the payout as guidance on how you wanted the payout to be used (similar to an ‘expression of wishes’).
  • If you die, then your payout is usually free of all UK income tax and capital gains tax, but might be subject to inheritance tax, depending on the total value of your estate. For more info on this see https://www.gov.uk/inheritance-tax.
  • The laws of England and Wales apply.
  • There is no cash-in-value at any time.
  • To have a DeadHappy plan you must be a legal resident of the United Kingdom.
  • DeadHappy is a trading style of DeadHappy Ltd (No. 08624700), authorised and regulated by the Financial Conduct Authority (No. 788583). Registered Office: The Old Vicarage Main Road, Hackleton Northamptonshire NN7 2AB
  • Covéa Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration Number 202178. Registered Office: 2 Norman Place, Reading, England, RG1 8DA. Registered in England and Wales Number 911235.

You can read about what data DeadHappy will collect from and about you, and how that is used, stored and shared in the DeadHappy privacy policy.

How Covéa uses your information

The personal information, provided by you (or anyone acting on your behalf), is collected by or on our behalf and may be used by us, our employees, agents and service providers acting under our instruction for the purposes of insurance administration, underwriting, claims handling, research or for statistical purposes.

We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing. When the information that we process is classed as ‘sensitive personal information’, we must have a specific additional legal ground for such processing.

  • It is necessary for us to process your personal information to provide this policy and services related to it. We will rely on this for activities such as assessing your application, managing your policy, handling claims and providing other services to you.
  • We have an appropriate business need to process your personal information and such business need does not cause harm to you. We will rely on this for activities such as maintaining our business records and developing, improving our products and services.
  • We have a legal or regulatory obligation to use such personal information.
  • We need to use such personal information to establish, exercise or defend our legal rights.
  • You have provided your consent to our use of your personal information, including sensitive personal information.

How Covéa shares your information

In order to sell, manage and provide our products and services, prevent fraud and comply with legal and regulatory requirements, we may need to share your information with the following types of third parties:

  • Reinsurers, Regulators and Authorised/Statutory Bodies
  • Credit reference agencies
  • Fraud prevention agencies
  • Crime prevention agencies, including the police
  • Suppliers carrying out a service on our behalf
  • Other insurers, business partners and agents
  • Other companies within the Covea Insurance Group

Marketing

We will not use your information or pass it on to any other person for the purposes of marketing further products or services to you unless you have consented to this.

Fraud prevention and detection

In order to prevent or detect fraud and money laundering we may check your details with various fraud prevention agencies, who may record a search. Searches may also be made against other insurers’ databases. If fraud is suspected, information will be shared with those insurers. Other users of the fraud prevention agencies may use this information in their own decision-making processes.

We may also conduct credit reference checks in certain circumstances. You can find further details in our full Privacy Policy explaining how the information held by fraud prevention agencies may be used or in which circumstances we conduct credit reference checks and how these checks might affect your credit rating.