Income Protection is a short term policy that allows you to protect your income against unfortunate incidents such as being made unemployed or suffering an illness or having an accident. The policy offers a range of waiting periods to help tailor your policy needs and premium affordability. You can cover your income up to £2,000 per month, or 65% of your normal income, whichever is lower.
You can now also apply for Income Protection cover even if you have a pre-existing condition(s). Just simply follow the instructions on screen and answer the medical declaration questions when prompted.
You can find out more about the policy in our FAQ's section, or by reading through the policy documentation.
You are eligible for coverage under this policy if on the policy start date:
You are not eligible for cover if:
It is important to bring to your attention that the premium you pay may change at your renewal date in the future. The premiums for future years will depend upon the forecasts of costs to the Insurer of settling claims and changes in taxation and inflation. The Insurer will not seek to recover in future years, the costs of any claims already paid out. Changes to your premium will not depend on your individual circumstances but on the cost of overall claims.
YOU MUST CHECK THE POLICY WORDING CAREFULLY, IT IS YOUR RESPONSIBILITY TO ENSURE THE POLICY MEETS YOUR DEMANDS & NEEDS - WE DO NOT PROVIDE ANY ADVICE AS TO THE SUITABILITY OF ANY OF THE POLICIES WE OFFER.
In the event you need to make a claim:
Corinium Insurance Services offer a range of insurance products to its customers. We aim to build simple products that are easy to understand and easy to apply for.
Corinium Pre-X Protection offers our customers the opportunity to protect their monthly income against unfortunate incidents such as an accident, illness or unemployment. You can select full accident, sickness and unemployment or simply choose accident & sickness on its own.
You can also apply if you have a pre-existing condition(s) and we will tell you if we are able to provide a quotation based on the information you declare.
Sadly we cannot cover all pre-existing conditions and sometimes we may not be able to offer you a quote for cover. You can however still apply for cover but your pre-existing conditions will be excluded from cover.
Applying for cover is simple and straightforward. Simply follow the application process, which will give you a premium quote, request some personal data and ask various questions about your existing health and employment status.
To make a claim, please contact the Claims Administrator on 01285 626032. The address for the Claims Administrator is Corinium Insurance Services, Trent House, Love Lane, Cirencester, GL7 1XD. For more information, please look at the claims section here or refer to your insurance policy document.
You can select any amount up to a maximum of £2,000 per month.
You can receive monthly benefits up to a maximum of 12 consecutive months.
Yes, you will need to be off sick/or unemployed for a minimum of 30 days to be eligible to make a claim.
Yes, in your application you selected an excess period. This is the period at the start of your claim where you cannot be paid a monthly benefit. Please refer to your schedule for confirmation of your excess period.
You may cancel your policy during the cooling-off period of 30 days. Any premium that has been collected during this period will be refunded, as long as a claim has not been made. If you cancel after the cooling-off period, no further premium will be collected and no refund of premium will be made.
We aim to provide a high level of service to all our customers but occasionally things can go wrong. When this happens, we will do everything we can to put things right and assist you. The full complaints procedure can be found in your policy wording. In the first instance, if you have any questions about the policy, please contact the administrator.
The administrator for this policy is Corinium Insurance Services, who can be contacted in the following ways:
Corinium Insurance Services is a trading style of Trent Services (Administration) Ltd who are authorised and regulated by the Financial Conduct Authority and entered on its register under number 315285.
Your policy documents will be either posted or emailed to you once your application has been accepted.
Monthly benefit payments are made directly to you, payable from the administrator.
Yes, as with most insurance policies there are various exclusions to be aware of. Please refer to your policy wording to access the full list of exclusions.
An initial exclusion period is a period of time that you cannot make a claim for Unemployment from the start date of your policy. This policy has an initial exclusion period of 120 days following the policy start date.
Your policy will remain in force as long as you continue to pay monthly premiums. Your policy will be reviewed 12 months after the start date of cover, and then annually thereafter.
No, this policy does not offer joint cover. Should you wish for joint cover, both customers must apply separately.
We do our best to provide you with the highest levels of customer service at all times, however should you wish to make a complaint you should do so by contacting us and detailing the nature of your complaint.
Please refer to the 'Complaints' section of your policy wording as this will provide you with the full complaints procedure that is applicable for your policy.
If you remain dissatisfied with our response further details will provided at the appropriate stage of the complaints process.