NIVO is a secure messaging app. It lets you talk to us and safely send us photos or documents so we can verify your identity. It also allows us to send you any paperwork we need to share with you, while always keeping you and your information safe. 

All messages and conversations that happen within NIVO are handled by our trained advisors. That means you'll always be speaking directly and securely to someone from Coventry Building Society.

Your privacy is important to us and we'll never share your data with anyone else. 

After someone's died, there are often expenses to be paid. If they had savings with us, there are some payments that we can make from their accounts, including:

• Funeral expenses, memorial stone or plaque, notice of death
• Probate, letters of administration, court fees
• Inheritance tax.

Find out what you'll need to send us if you need to do this.

Beware of fraud

Sadly fraudsters may target executors of deceased's estate. They may pose as solicitors or representatives of other organisations, saying that there are debts in the deceased's name that still need to be paid. Make sure to check any debt is genuine before paying it and double check the payment details to make sure that any payments are going to the right place.

When an Equity Release or Lifetime mortgage ends, the loan must usually be repaid within 12 months. This typically happens after the last remaining borrower has either passed away or moved permanently into long-term care and the property has been vacated.
 

If the loan has not been repaid after 12 months, we will stop charging interest on the account. However, at that point we may need to take possession of the property and arrange for it to be sold in order to repay the outstanding balance.

We've put together some more information to help you during this difficult time.

It tells you what to expect, what documentation we may need to see and what we'll need to do with their accounts. 

Read our FAQs

Download our bereavement guide (PDF)

We know there are a lot of legal terms that are used during the bereavement process. They can be difficult to understand.

Read our FAQs for a full glossary of the terms you may come across.

Here are a few useful contacts when you are managing a bereavement:

The Court Tribunal Finder

To find your local court to obtain a grant of representation, visit www.gov.uk/find-court-tribunal. For information on how to amend titles in Scotland, go to www.ros.gov.uk.

Government agencies

Most councils run a service called 'Tell Us Once' - it lets you report a death to most Government organisations in one go. Visit www.gov.uk/tell-us-once.

Government advice on bereavement 

Go to www.gov.uk/after-a-death.

Citizens Advice

Can help you understand what financial help is available. Visit www.citizensadvice.org.uk.