Will you be eligible to claim benefits under the policy?

We are committed to fair practice in all of our dealings with our customers and we aim to give to you access to coverage to meet your needs. It is, however, your responsibility to check that you will be eligible to claim benefits under our policy terms and that a policy will be suited to your personal needs/circumstances.

As with any insurance policy, you can only make successful claims on your policy if you meet the conditions laid out in it. It may be worth taking a look at the following eligibility information to make sure of your application before going ahead.

You must, for example:

• Be aged between 18-65 years of age.
• Live and work in the UK on a permanent basis.
• Commit to paying your premiums on time as they are due.
• Work for at least 16 hours a week in paid employment.
• Have worked on a continuous basis for the last six months. If you haven’t got six months employment yet then you can take out a policy but you must be aware that you cannot make any claim on it until you have built up six months continuous employment.
• Qualify to register as unemployed if you lose your job.
• Not work on a temporary basis, either on jobs you find for yourself or on jobs that you get through an employment agency. This includes casual, temporary contract and seasonal jobs.
• Not be on an apprenticeship or training scheme.
• Accept that you can be given cover as a contract worker (as laid out in our policy) but you must be working on a contract that lasts for a fixed period of a minimum of 12 months. Once the period of a fixed term contract comes to an end you also accept that may have to meet extra requirements to qualify for benefits.
• Accept, if you are self employed (as laid out in our policy), that you may have to meet extra requirements to qualify for benefits.
• Not apply in the knowledge that you are likely to/know that you will lose your job. You must not know, officially or unofficially, that your job may be in danger. Your employer must not have announced any company changes such as job losses, restructuring or external mergers. Your policy will not cover you for unemployment claims if you became aware of any of these activities before your policy start date or if they were announced within 120 days of your start date.
• Be aware that your policy will not cover you for pre-existing illnesses, conditions or accidents (i.e. that started before your policy’s start date).
• Be aware that you will not be covered for chronic or ongoing illnesses and conditions if you already have them.
• Accept that the benefits that you have insured with the policy (or other policies of the same type) must not total more than 50% of your earned monthly income before tax. If you go over this 50% limit then your benefits from our policy will be lowered.
• Be aware that the policy comes with a 120 day exclusion period which is applied to both carer and unemployment claims.