Frequently asked questions:

My current policy won't pay a claim for the same injury for at least 2 years - is this policy the same?
Will this policy cover me for accidents at work, even if I have a high-risk job?
Parts of my job can be high-risk and I also do extreme sports - will this affect my premium?
If I smoke, will this affect my premiums?
Is there a limit to how many claims I can make?
Is there a time limit on how long I can claim for?
Are previous injuries and illnesses automatically excluded?
Can I still get Statutory Sick Pay (SSP) or Employment & Support Allowance (ESA)?
I do lots of sports and activities - am I covered for all of them?
Is this type of cover the same as a sport-accident insurance policy?
Will I still be covered when I’m on holiday abroad, even for sports?
Will my premiums go up after a claim?
Do I need to have a mortgage to be eligible for this cover?
Why do I need accident & sickness 'Income Protection'?
Won't the State look after me?
I already have sick-pay benefits at work. Do I need this cover as well?
My current policy won't pay a claim for the same injury for at least 2 years - is this policy the same?

No. You can claim as often as required with this policy – even for the same injury. This is an important feature for most people (especially if you take part in sport), because if you do have time off work following an injury, the most important part of your body you want covered for is the part you’ve just injured!

Is there a limit to how many claims I can make?

No. As long as you maintain the monthly premiums there are no limits on the amount of claims you can make – even for the same injury or illness.

Is there a time limit on how long I can claim for?

No. Claims can potentially be paid indefinitely, right up until your occupational retirement age.

Are previous injuries and illnesses automatically excluded?

No. Previous injuries and illnesses may still be covered, subject to underwriting.

Can I still get Statutory Sick Pay (SSP) or Employment & Support Allowance (ESA)?

Yes, these state benefits can be paid in addition to your policy benefit for the first 6 months of a claim.

I do lots of sports and activities - am I covered for all of them?

Yes, this policy covers all sports & activities – including the high-risk adrenaline types, at no extra cost.

Is this type of cover the same as a sport-accident insurance policy?

No, these policies are very comprehensive. Instead of covering you just for football injuries / rugby injuries / motocross accidents etc, these policies will cover you 24 hours a day for illness and any accidental injury at home or at work, as well as from sporting activities.

Will my premiums go up after a claim?

No. The amount of times you claim will never effect your premium.

Do I need to have a mortgage to be eligible for this cover?

No. Whether you have a mortgage, rent a property, or live with family & friends, anyone can apply for this policy.

Why do I need accident & sickness 'Income Protection'?

Each year, hundreds of thousands of people are signed-off work due to an accident at home, work, or through sport, or are signed off through long-term illness or mental health problems.

The unfortunate reality for many is financial hardship, as state benefits alone are not sufficient. If you have rent, mortgage and bills to pay, the most important asset you should insure is your income.

Won't the State look after me?
State benefits won’t provide you with enough money to get by comfortably. Whilst the Employment & Support Allowance (ESA) provided by the Government or Statutory Sick Pay (SSP) provided through your employer (if you are eligible) may be sufficient to help you manage in the short term, these benefits may not even be enough to cover your rent or mortgage repayments.
I already have sick-pay benefits at work. Do I need this cover as well?

Your employer’s benefits may only last for a certain period of time and you could be off work for a long time. Benefits from our policy can be tailored to start paying out when your employers benefits cease. Please contact us direct for a quote.

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