This means that you can make a claim after just 30 or more consecutive days of loss of income through accident, sickness or unemployment. The claim will then be backdated to the first day of the 30

For example, if your claim starts on the 1st of June (i.e. the day you first sign up for Job-Seekers Allowance or the day your doctor declares you unfit to work) and you return to work on the 30th of June no benefit is payable. However, if this claim extends until the 1st of July or later (30 or more consecutive days) then you will receive benefit dating back to the first day of your claim (i.e. the 1st of June).

Back to Day 1 cover should not be confused with the initial exclusion period. For the first 90 days immediately after the start date of the policy you will not be able to make a claim for redundancy. This exclusion period may be waived if you transfer to us from an existing payment protection product.

30 Day Cover

The option for this premium is cheaper than Back to Day 1 cover. Cover from Day 30 means you are eligible to claim after 61 consecutive days of loss of income the claim is then backdated to the 31st day. This option is preferable for those who may have sufficient savings to tide them through the first month and who wish to reduce the cost of their monthly premium.