We don't exclude any particular occupations and we'll consider you as a contract worker if you’ve an employment contract which has a set end date or ends when you've completed a specific task.

However, if your employment is temporary or casual, or your employment contract is with an employment agency rather than the company you’re working for, you'll not be eligible for Lifestyle Cover.


Please Note: We don't cover ‘zero hour’ contracts, for example if your employer doesn't have to provide you with any minimum working hours, and you're not obliged to accept any of the hours offered.

Below we show you how Lifestyle Cover insurance will affect you if you're a contract worker. 

 Accident or SicknessUnemployment
Eligibility

You can take out Lifestyle Cover to protect your income if you can't work due to accident or sickness, as long as you meet our eligibility criteria.

You don't need to tell us about your medical history when you apply, but we'll check this when you make a claim.

We don’t specifically exclude chronic conditions, such as:

  • Asthma
  • Cancer
  • Diabetes
  • HIV/AIDS

However, you'll not be able to claim in the first 12 months of cover for any illness or disease which you suffered from in the 12 months before this cover started.

You can take out Lifestyle Cover to protect your income if your employment ends due to circumstances outside of your control, as long as you meet our eligibility criteria.

There are some important limitations to our unemployment cover for contract workers. Please see the important information below this table.

You'll not be able to claim for unemployment benefit if you've had prior notice of possible unemployment. By this we mean your employer formally telling you verbally (face-to-face or over the phone) or in writing about a reorganisation, restructure or programme of redundancy which affects your role. This applies to either before you take out Lifestyle Cover, or within the first 60 days of cover, when you'll not be able to claim for unemployment benefit.

As you’re a contract worker, there are some important limitations based on the length of time you’ve been a contract worker for, see below for more details.
Claims

When you make a claim for accident or sickness, you'll need to send us:

1. confirmation from your doctor (see the note below) that you're unfit for work.

2. confirmation from your employer that you're off work.

3. proof of your gross monthly income. For this we'll need your last three payslips and bank statements showing these payments have been made to you.


Note: While we'll accept certification from your doctor for most illnesses, for us to consider your claim we do need a suitably qualified consultant to confirm that you’re unable to work in the case of a back-related condition. For us to consider your claim for depression the symptoms must be certified as severe by a suitably qualified consultant or doctor.

When you make a claim for unemployment, you'll need to send us:

1. confirmation from your employer of the date your were first told of possible unemployment and the date your employment ended.

2. confirmation from the Jobcentre (you must satisfy the terms of your Claimants Commitment to be able to claim on this policy – your Jobcentre will usually issue you with a benefit award letter which contains this information).

3. proof of your gross monthly income. For this we will need your last three payslips and bank statements showing these payments have been made to you.

Qualifying period There's no initial exclusion period under our Accident and Sickness insurance. There's an initial exclusion period under our unemployment insurance. This means you won't be able to claim if you're made unemployed, or told by your employer that you may lose your job, in the first 60 days of your cover starting.

However, we can provide unemployment cover as soon as you add it to your policy, if this policy is replacing another policy, either from us or another insurer (and your other policy has been active for at least 12 months immediately before taking out this unemployment cover and you have not claimed under your other policy within the last 12 months).Terms and conditions apply and you can find them in the policy document.

Limitations and exclusions apply. For more information of what is and isn’t covered, please read our  Lifestyle Cover Insurance Key Features   PDF: 233KB  or for full details see our  Lifestyle Cover Insurance Policy Booklet  PDF: 373KB

Important information for contract workers

As a contract worker your unemployment benefits will be based on how long you've been working as a contract worker.

You should consider the limitations below, before buying unemployment cover.

  • Less than 12 months
    If you’ve been a contract worker for less than 12 months in a row immediately before you’re made unemployed, you will not be able to make a claim for unemployment benefit.
  • 12 months or more
    If you’ve been a contract worker for at least 12 months in a row immediately before you’re made unemployed and your contract has been terminated (ended) early, we’ll pay you benefit up to the expected end of your contract term, or the date you return to work, whichever happens first. We won’t pay more than 365 days’ benefit. However, if you’re contract is not terminated early, in other words, it comes to its natural end, you will not be able to make a claim for unemployment benefit.
  • 24 months or more
    If you’ve been a contract worker for at least 24 months in a row immediately before you’re made unemployed, we’ll pay you benefit for up to 365 days or the date you return to work, whichever happens first. You'll be able to claim unemployment benefit if your contract is terminated early, or if it just comes to its expected end.