Frequently asked questions:

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

Are previous injuries and illnesses automatically excluded?

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

My current policy doesn't cover the same injury for 2 years after a claim- is this policy the same?

No. With this policy you can claim as often as required – even for the same injury, with no minimum time limits between claims.
People tell us that this is a very important feature to them (especially those who do sport), because the part of their body they’ll want to have covered most after an injury, is the very part that they’ve just injured.

Is this policy similar to a sport-accident insurance policy?

No. Unlike a sport accident policy, this policy is very comprehensive and provides 24-hours a day cover. As well as covering you for all types of sporting injury, you’ll also be covered for illness and any accidental injury at home or at work.

With sport accident insurance policies, you have to prove that your injury was specifically due to sport – which can often be hard to do. However, because this policy covers you 24/7, that problem does not exist.

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.

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.

Will my premium go up after a claim?

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

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.

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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