What's covered

In the Kitchen

To help you understand how Lifestyle Cover Insurance works and whether it's the right type of short-term income protection for you, below we’ve provided an overview of what is and isn't covered.

This is just a summary of the cover we provide, for more details of what is and isn’t covered, please read our PDF file: Lifestyle Cover - Key Features (QGI6850) PDF size: 133KB or for full details see our PDF file: Lifestyle Cover - Policy Booklet (QGI7087) PDF size: 330KB

Accident and sickness insurance overview

You'll be covered in the following circumstances.

  • You can’t work due to an accident or illness that is certified by your doctor.
  • You can't work due to depression and the symptoms are defined as severe by a suitably qualified consultant or doctor, in line with the definition of severe under the NICE guidelines at www.nice.org.uk/guidance
  • You can't work due to back-related conditions confirmed by a suitably qualified consultant.
  • You need to claim more than once.
  • You receive benefits or sick pay from your employer – this policy will still pay out.

You won't be covered in the following circumstances.

  • In the first 12 months, if your accident or illness relates to any medical condition for which you’ve had symptoms, treatment or medical advice during the previous 12 months before this cover started.
  • Your accident or illness is due to normal pregnancy.
  • Your accident or illness is due to an intentional self-inflicted injury or an injury you suffered while carrying out a criminal act.
  • Your accident or illness is due to elective surgery (surgery which isn't medically necessary and which you choose to have, such as beauty treatments).
  • You can’t work due to stress or anxiety.

Unemployment insurance overview 

You'll be covered in the following circumstances.

  • Your employment ends unexpectedly and the circumstances of your unemployment are beyond your control.
  • You stop work to become a carer for a member of your immediate family.
  • You need to claim more than once.
  • Your income is reduced due to your employer reducing your hours (not available if you are self-employed).
  • You're self-employed and you have ceased to trade.

You won't be covered in the following circumstances.

  • Your employer tells you about your unemployment either before your cover starts or within the first 60 days of your policy start date.
  • You take voluntary redundancy.
  • You resign or your employment ends due to disciplinary action taken by your employer.
  • Your employer places you on temporary short time working hours within the first 60 days of your policy start date and you are made unemployed following this.
  • Your type of employment may affect how Lifestyle Cover applies to you and your circumstances. To get a better understanding of how this works, please choose your type of employment from the list below.

Employed

Self-employed

Contract worker

Important information

Our Lifestyle Cover Insurance typically costs £5.06 a month for every £100 of monthly benefit.

This is based on a 36-year-old customer choosing £900 of accident, sickness and unemployment monthly benefit with claims paid after a 30-day deferred period.

The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

There are other providers of Short-term Income Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at https://www.moneyadviceservice.org.uk

Please call us for a quote

Call us now for a quote 0800 197 2351