Insurers and breakdown cover
Scottish Widows phone numbers
Edited by Richard BarkerChecked 13 October 2026
Scottish Widows publishes 27 numbers for you to call on its own website. We list each one with the page it is on (1 page in all), a short quote from that page and the date we checked it.
Numbers to call Scottish Widows
What each line is for, as Scottish Widows describes it, with opening hours where it gives them.
- 0345 755 6557
You call them on this number
Workplace pensions with policy numbers starting SW
Source: “If your policy number starts with SW: 0345 755 6557” (opens in a new tab). Checked 13 October 2026.
- 0800 032 1260
You call them on this number
Workplace pensions with policy numbers starting ZU
Hours: Monday to Friday 8am to 6pm
Source: “If your policy number starts with ZU: 0800 032 1260” (opens in a new tab). Checked 13 October 2026.
- 0345 716 6777
You call them on this number
Workplace and personal pensions, bonds, endowments and older protection policies
Source: “All other workplace pensions: 0345 716 6777” (opens in a new tab). Checked 13 October 2026.
- 0330 024 2345
You call them on this number
Scottish Widows Platform (policy numbers starting EM)
Hours: Monday to Friday 8.30am to 5pm
Source: “(policy numbers start with EM) 0330 024 2345” (opens in a new tab). Checked 13 October 2026.
- 0345 070 7129
You call them on this number
Self-Invested Personal Pensions (SIPPs): general enquiries and dealing
Source: “General enquiries and dealing: 0345 070 7129” (opens in a new tab). Checked 13 October 2026.
- 0345 124 1451
You call them on this number
SIPP administration queries
Source: “SIPP administration queries: 0345 124 1451” (opens in a new tab). Checked 13 October 2026.
- 0330 678 0066
You call them on this number
Ready-Made Pension and Ready-Made Investments
Source: “Scottish Widows Ready-Made Pension 0330 678 0066” (opens in a new tab). Checked 13 October 2026.
- 0345 716 6733
You call them on this number
Scottish Widows Retirement Account
Source: “Scottish Widows Retirement Account 0345 716 6733” (opens in a new tab). Checked 13 October 2026.
- 0345 030 6244
You call them on this number
Halifax personal pensions and bonds
Source: “Halifax Personal Pension 0345 030 6244” (opens in a new tab). Checked 13 October 2026.
- 0345 788 3333
You call them on this number
Clerical Medical personal pensions and bonds
Source: “Clerical Medical Personal Pension 0345 788 3333” (opens in a new tab). Checked 13 October 2026.
- 0345 757 3494
You call them on this number
Individual annuities customer service
Source: “Individual annuities customer service: 0345 757 3494” (opens in a new tab). Checked 13 October 2026.
- 0345 835 6644
You call them on this number
Buy an individual annuity (existing Scottish Widows customers)
Hours: Monday to Friday 9am to 5pm
Source: “would like to buy an individual annuity: 0345 835 6644” (opens in a new tab). Checked 13 October 2026.
- 0345 300 2244
You call them on this number
Scottish Widows Unit Trust Managers
Source: “Scottish Widows Unit Trust Managers: 0345 300 2244” (opens in a new tab). Checked 13 October 2026.
- 0345 366 1513
You call them on this number
HBOS Investment Fund Managers
Source: “HBOS Investment Fund Managers Ltd: 0345 366 1513” (opens in a new tab). Checked 13 October 2026.
- 0345 300 0698
You call them on this number
Life protection bought 2006 to 2020, 8-digit policy number starting with 5
Source: “8-digit policy number starting with 5: 0345 300 0698” (opens in a new tab). Checked 13 October 2026.
- 0345 030 6240
You call them on this number
Scottish Widows Protect via adviser or comparison site, policy number starting with 5
Source: “8-digit policy number starting with 5: 0345 030 6240” (opens in a new tab). Checked 13 October 2026.
- 0345 030 6572
You call them on this number
Scottish Widows Protect, 12-digit policy number starting with 6
Source: “12-digit policy number starting with 6: 0345 030 6572” (opens in a new tab). Checked 13 October 2026.
- 0345 608 0378
You call them on this number
Plan & Protect bought via Lloyds, Halifax or Bank of Scotland online banking
Source: “12-digit policy number starting with 4: 0345 608 0378” (opens in a new tab). Checked 13 October 2026.
- 0800 849 6089
You call them on this number
My life insurance (6-digit policy number starting with 1)
Source: “6-digit policy number starting with 1: 0800 849 6089” (opens in a new tab). Checked 13 October 2026.
- 0345 608 0390
You call them on this number
Halifax/Bank of Scotland Over 50 Guaranteed Life Plan
Source: “(provided by St Andrews Life Assurance) 0345 608 0390” (opens in a new tab). Checked 13 October 2026.
- 0844 324 9314
You call them on this number
Scottish Widows Life Cover For You
Source: “Scottish Widows Life Cover For You 0844 324 9314” (opens in a new tab). Checked 13 October 2026.
- 0345 601 9645
You call them on this number
Virgin Life & Cancer Cover
Source: “8-digit policy number starting with 5: 0345 601 9645” (opens in a new tab). Checked 13 October 2026.
- 0330 678 1060
You call them on this number
Mortgage protection policies starting SW5
Source: “policy number starting with SW5: 0330 678 1060” (opens in a new tab). Checked 13 October 2026.
- 0345 600 1194
You call them on this number
Halifax Total Mortgage Protection and related plans (policy starting TMP)
Source: “policy number starting with TMP: 0345 600 1194” (opens in a new tab). Checked 13 October 2026.
- 0345 845 0829
You call them on this number
Scottish Widows Bank savings and internet banking help
Hours: Monday to Friday 8am to 6pm
Source: “Savings customers: 0345 845 0829 (Monday to Friday, 8am to 6pm)” (opens in a new tab). Checked 13 October 2026.
- 0345 845 8555
You call them on this number
Scottish Widows Bank mortgage customers
Hours: Monday to Friday 8am to 6pm
Source: “Mortgage customers: 0345 845 8555 (Monday to Friday, 8am to 6pm)” (opens in a new tab). Checked 13 October 2026.
- 0345 845 0110
You call them on this number
Scottish Widows Bank mortgage intermediaries
Hours: Monday to Friday 9am to 5pm
Source: “Mortgage intermediaries: 0345 845 0110 (Monday to Friday, 9am to 5pm)” (opens in a new tab). Checked 13 October 2026.
How scams that copy insurers and breakdown cover work
Age UK describes calls about a car accident you have supposedly had, saying you may be entitled to compensation. If you have had an accident, it says to call your own insurer on the number on your policy.
This could still be a scam call
Criminals can make their number look like a genuine one (this is called spoofing). If someone calls from this number and asks for money, bank details, a code or passwords, hang up. Then call Scottish Widows back on a number you've found yourself, such as the one on their own website or on a letter or bill from them.
Safe ways to check
- Scottish Widows's own contact page (opens in a new tab): Where this number is published.
- Report Fraud (opens in a new tab): Report fraud and cyber crime in England, Wales and Northern Ireland. In Scotland, call Police Scotland on 101.
- Forward scam texts to 7726 (opens in a new tab): It is free, and reports the message to your mobile provider.
- How number spoofing works: Why a genuine number on your screen does not prove who is calling.
Questions about Scottish Widows’s numbers
What numbers can I call Scottish Widows on?
Scottish Widows publishes 27 numbers for the public to call. They include: 0345 755 6557 (Workplace pensions with policy numbers starting SW); 0800 032 1260 (Workplace pensions with policy numbers starting ZU); 0345 716 6777 (Workplace and personal pensions, bonds, endowments and older protection policies). Check the source page for each one before you call, as numbers and opening hours change.
Does Scottish Widows publish a number on its own website that is not listed here? Suggest a number for Scottish Widows.
Sources and checks
This page relies on:
Checked on 13 October 2026. Read how we build the directory. How we check our information. Spotted a mistake? Tell us and we will put it right.