Top Tips to buy safely

We recognise that this policy is not suitable for everyone, for example those who have sufficient savings to tide them over during periods of unemployment or those with generous company benefits.

With this policy you can consecutively claim for any one period of accident, sickness or unemployment for up to 12 months or until you return to work, which even comes first. You can make multiple claims for the life of the policy that can continue until aged 65 or until you cancel it.

We want you to feel confident that the product you are buying is right for you, so here are some key things you need to know.

Contract workers and the self-employed have separate criteria from employees click here"
Ensure you are a permanent resident in the UK and have been working for at least 6 months prior to application but you are allowed to have 2 weeks unpaid during that time if, for example, you changed employment.
If you are working outside the UK during the normal course of your work this could affect your benefit "click here"
If you receive more than one month's full sick pay: Please see our Public Sector Insurance link on the home page. This can also be used by any private employees who have between 1-6 months full pay. Offering cheaper premiums you can combine the benefit of Back to Day one Unemployment cover with Accident & Sickness cover deferred to match you sick pay entitlement.
If you have a Chronic conditionsThis is a condition that occurs prior to the start date and continues indefinitely, or cannot be cured or eradicated or that recurs or requires treatment. or Pre-existing condition This is a physical or mental condition whether diagnosed or not, which you knew about or in our reasonable opinion should have known about, or for which you received treatment prior to the start date. this may affect your eligibility to claim.
You cannot claim for redundancy during the first 90 days from the start date of the policy (even if only told you will be made redundant) click here" to view "exclusion period". This could be waived if transferring in from a previous payment protection policy "click here"to view "transferring in"
To claim for unemployment you must be in receipt of Jobseekers Allowance from the JobCentrePlus. See "Effect on state benefits" found under "More information".
To claim for accident or sickness you must be in receipt of Statutory Sick Pay or Short Term Incapacity Benefit. See "Effect on state benefits" found under "More information".
If you are transferring from another payment protection policy ensure there are no penalty clauses for cancelling, wait until you receive your policy schedule from us before you do. If you choose to keep your existing payment policy remember that the total monthly benefit from all policies, must not exceed the net monthly income you have declared. click here" .
To ensure that our Income Protection Policy is the most suitable payment protection policy for your needs please see our Video Guide "Differences between PPI Products" to explain.

For your peace of mind

You may cancel the policy within 30 days from receipt of your Policy Schedule and all monies will be refunded. After that you may cancel with one months notice without penalty but no payments already made will be refunded.

Help on the site:

Use the FAQs to help with any specific query
If that all fails call us on 020 8972 9557