i:protect insurance

Short-term Income Protection Insurance

Pays you up to £1,500 per month if you cannot work

Important Information is contained below about the UK’s decision to exit the European Union (EU)

Short-term Income Protection Insurance is designed to cover up to 65% of your gross monthly income if you have an accident, become sick or are made unemployed and are unable to work.  We offer separate flexible excess periods for accident and sickness and unemployment which means you can tailor the cover to suit your own individual circumstances. The longer you choose to delay receiving your benefit the less your premium will be.

  • Covers you up to £1,500 a month or 65% of your gross monthly income if less
  • Choice of cover: Accident & Sickness only or Accident, Sickness and Unemployment
  • Can choose separate Excess Periods for Accident & Sickness and Unemployment
  • Benefit can be paid for up to 12 months
  • Carer cover is included as an additional benefit when Unemployment cover selected
  • Benefit paid direct to you in addition to any other benefits (eg Statutory Sick Pay)
  • On-line application only

For more information, select from the menu options on the left hand side of your screen.

There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Short Term Income Protection

The insurer of i:protect, AmTrust International Underwriters DAC, is an Irish based insurer. Due to the UK’s decision to exit the European Union (EU), and the uncertainty around the UK’s relationship with the EU after 29th March 2019, we have taken the decision to change insurance providers.

With effect from 29th March 2019, all i:protect policies will be underwritten by AmTrust Europe Limited, an insurer based in the UK.

AmTrust Europe Limited, Registered Office: 10th Floor Market Square House, St James’s Street, Nottingham, NG1 6FG, Registered Number: 1229676. AmTrust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and Prudential Regulation Authority, Financial Services number: 202189. These details can be checked on the Financial Services Register at www.fca.org.uk.

Changes to the terms of your i:protect policy
Two changes have been made to the terms which we hope you will find beneficial. There have been no material changes which are detrimental to the cover currently offered under the policy. Details of the changes are:

Existing Cover New Cover
Maximum Scheme Benefit Definition referring the customer to the Insurance Schedule has been removed and replaced with a definition for the Maximum Monthly Benefit The maximum monthly benefit payable under the policy is 65% of your gross monthly income or £1,500, whichever is the lesser
Back related conditions under the accident and sickness section of the policy are excluded without the provision of radiological evidence Back related conditions under the accident and sickness section of the policy will now be covered for up to 3 months without the need for providing radiological evidence

What happens next?

If you currently have an i:protect policy or take out an i:protect policy before the 28th March 2019, your policy will transfer automatically to the new insurer after the 28th March 2019. If you do not want to transfer the cover to the new insurer, you have the right to opt out and cancel your policy.

If you take out an i:protect policy after the 28th March 2019, your policy will be with the new insurer.

If you wish to cancel or have any queries regarding this change please call our customer services team.

01962 892093