To help you understand how Lifestyle Cover insurance works and whether it's the right type of short-term income protection for you, in the tables 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  Lifestyle Cover Insurance Key Features   PDF: 233KB  or for full details see our  Lifestyle Cover Insurance Policy Booklet  PDF: 373KB

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.

Please call us for a quote

Call 0800 197 2351 for What's covered.