Income Protection

Important information before you apply

You can choose to buy either:

• Accident and sickness & unemployment cover; or
• Accident and sickness cover only.

Your choice will be shown on your certificate of insurance.

If you choose accident and sickness cover only, you will not receive cover for unemployment (or carer).

Eligibility

When you apply for this insurance, we ask you to confirm that you are `eligible for cover`.

You are eligible for cover as long as, when your insurance begins (the start date), you:

• Are 18 years old or over and under 64.
• Are a permanent resident in the United Kingdom, and have been for at least 6 months.
• Are working in the United Kingdom, for at least 16 hours a week, and have been continuously for the previous 6 months.
• Are not off work due to illness or injury (apart from a mild illness like a cold or flu). If you are off work because of illness or injury, then your disability cover will not start until you go back to work.
• Do not know about any up-coming job losses that are about to happen and are likely to affect you.
• Do not already know that you will have to give up work to become a carer.

You will not be covered if you do not meet these requirements when your insurance starts.

Please note:

You do not qualify for cover if your work is:

• Temporary; or
• Casual; or
• Occasional; or
• On under a contract which does not last longer than 12 months; or
• You are self-employed (either on a full-time or part-time basis).

Please download the latest policy documents:

Policy Wording

Insurance Product Information Documents

Terms of Business

Before you make your claim, you should read this policy wording carefully to check you are covered for the claim you want to make. If you are not sure if you can claim or not, please ask the administrator for help.

What you need to do:

You must follow the procedure below when you make a claim. If not, your claim might not be paid or, if it is, the amount could be reduced.

Step 1

Claims for unemployment:

• Register with the Jobcentre Plus as unemployed or with the Department for Work and Pensions as a carer.
• Have a Jobseeker`s Agreement and be getting any unemployment benefit or National Insurance credits you are entitled to.
• If you have given up work to become a carer, you need to be getting Carer`s Allowance.

Claims for disability (accident and illness):
See a healthcare professional and be certified as unfit to work.

Step 2

Contact the administrator and ask for a claim form within 30 days of the start of any period that you are off work.

Contact details are:

Trent-Services (Administration) Limited
Trent House
Love Lane
Cirencester
Gloucestershire GL7 1XD
Email: admin@trent-services.co.uk
Telephone: 01285 626020 (this is a basic rate number).
Lines are open between 9am and 5pm Monday to Friday (excluding bank holidays).

When you contact them, please tell them you are covered under Corinium Saver Income Protection Insurance and quote your policy number which is shown on your certificate of insurance.

Calls can be recorded for training, compliance and fraud prevention purposes.

If you are late reporting your claim, we will not decline your claim or reduce the payment amount, as long all the information we need is still available and the delay has not affected the administrator`s ability to fully assess the claim.

Step 3

Complete the claim form and send it back to the administrator.

Step 4

For unemployment claims only:

• You need to show that you are still unemployed, still receiving the relevant award from the Department of Work and Pensions and looking for new work throughout your claim (unless you have given up work to become a carer when you will need to show that you are still getting Carer`s Allowance) so that you can still get benefit.
• The administrator will send you a `continuation claim form` each month which includes a declaration for you to sign saying that you have not worked or that you are still getting Carer`s Allowance.

For disability claims only:

• You need to show that you are certified by a healthcare professional as unfit to work throughout your claim.
• The administrator will send you a `continuation claim form` each month which includes a declaration for you to sign. We may also ask you to take a form to your Healthcare Professional from time to time, but we will cover this cost.

Documents you might need to give

For unemployment claims only:

• A Jobseeker`s Agreement (or an Award Notice for Carer`s Allowance if you have given up work to become a carer), a redundancy notice/severance letter, pay slips and your P45.
• Confirmation from the Jobcentre Plus that you are still registered as unemployed and any other evidence that the administrator asks for to show that you are looking for new work (or confirmation from the Department for Work and Pensions that you are still a carer).
• Any other evidence that the administrator asks for to show that you are still looking for new work or still a carer.

For disability claims only:

• Medical certificates for the period of your claim, pay slips and information from your healthcare professional and your employer to support your claim
• For claims for back disorders and mental or nervous disorders you will need to give any evidence from an appropriate specialist that the administrator asks for.
• Any other evidence that the administrator asks for.

Income Protection FAQ's

Who are Corinium Insurance Services?

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 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.

What is Corinium Income Protection?

Depending on the cover you choose, Corinium Income Protection offers our customers the opportunity to protect their monthly income against unfortunate incidents such as an accident, illness or unemployment.

Do you cover pre-existing conditions?

Sadly, we cannot cover pre-existing conditions. You can however still apply for cover but your pre-existing conditions will be excluded from cover.

How do I apply for cover?

Applying for cover is simple and straightforward. Simply follow the application process which will give you a premium quote, ask for some personal data and various questions about your existing health and employment status.

How do I make a claim?

To make a claim, please contact the Claims Administrator on 01285 626020. The address for the Claims Administrator is Trent-Services (Administration) Ltd, Trent House, Love Lane, Cirencester, GL7 1XD. For more information, please refer to your insurance policy documents.

How much benefit can I choose to cover myself for?

You can select an amount up to a maximum of £2,000 per month or 65% of your normal monthly income, whichever is the lesser.

How long can I claim for?

You can receive monthly benefits for up to a maximum of 12 months.

Is there a waiting period before I can claim?

You will need to be off sick/or unemployed for a minimum of 30 days to be eligible to make a claim.

Is there an Excess Period before I can claim?

Yes, in your application you select 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 certificate of insurance for confirmation of your excess period.

How can I cancel my policy?

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.

How do I make a complaint?

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.

Who is the administrator?

The administrator for this policy is Trent-Services (Administration) Ltd, who can be contacted in the following ways:

Telephone: 01285 626020
Email: admin@trent-services.co.uk
Post: Trent House, Love Lane, Cirencester, Gloucestershire, GL7 1XD.

How do I receive my insurance documents?

You will be invited to register for our customer portal to view your documents if your application is successful. The administrator will be happy to post or email documents free of charge to you, if you request this service.

How do I receive my monthly benefit?

Monthly benefit payments are made directly to you by the administrator, on behalf of the Insurer.

Are there any exclusions?

Yes, as with most insurance policies there are various exclusions and restrictions. Please refer to your policy wording to review what is not covered.

What is an initial exclusion period?

An initial exclusion period is a period of time that you cannot make a claim for Unemployment, an Accident or a period of Sickness following the start date of your policy.

You cannot make a claim for unemployment which:

• Starts; or
• You are told about; or
• You find out about,

during the first 150 days after the policy start date.

This could include, for example:

• Announcements or restructuring plans,
• Internal communications about company-wide restructures, downsizing initiatives or departmental closures,
• Individual communications or
• Any other business decisions that might lead to redundancies.

This policy has an initial exclusion period for an accident &/or sickness of 5 days following the policy start date:

• You cannot claim for disability if the cause or symptoms of your disability (accident &/or sickness) happens during the first 5 days after the start date.

How long does my policy last for?

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. Cover ends at age 65, upon retirement, or if eligibility requirements are no longer met.

Is there a joint cover option?

No, this policy does not offer joint cover. Each customer must apply for a policy separately.

Anything else?

We are committed to ensuring our customers get the right help when they need it. If there are any specific circumstances or requirements that you think we should know about, such as a disability, financial hardship, bereavement - or anything else, then please let us know.

Corinium Insurance Services Complaints

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 be provided at the appropriate stage of the complaints process.