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Coronavirus (COVID-19)

Accident Sickness and Unemployment Insurance

As the number of cases of Coronavirus in the UK and across Europe is continuing to increase we, together with our Insurers, are monitoring events closely and in line with Government guidance.

In light of these uncertain times we have put together some clarifications regarding our Accident Sickness and Unemployment policies for both administration and claim

  • Sickness - in the event you are signed off as sick by your GP or doctor for longer than your policy excess or waiting period due to the Coronavirus, your claim will be assessed.
  • Self-Isolation - in the event you are required by your employer or you are medically advised to self-isolate, these claims will be outside of the normal policy terms and conditions and therefore as standard would not be covered.
  • Unemployment - in the event you are made redundant by your employer, you will be able to claim as per the normal policy terms and conditions. However please note that in the event your employer asks you to accept reduced pay or temporarily lays you off, you would not be able to claim for unemployment benefit.

Some Q & As' that should help you

Q. Can I claim if someone in my household is showing signs or symptoms?

A. No regretfully not

Q. Can I claim if I am caring for someone who is showing signs or symptoms of the Coronavirus?

A. No regretfully not

Q. Can I claim if my company is in lock-down or I am sent home?

A. No, you will only be covered if you are made unemployed.

Q. Can I change my Excess or Cover during the COVID-19 outbreak?

A. No changes or midterm adjustments can be made during this period, unless it is a change of Name, address or bank details.

Q. How can I cancel my policy?

A. Ring 01285 626020, press option 3 and a member of staff will deal with your cancellation over the phone.

Q. Can you post my Claim Form?

A. During the Covid-19 period, whilst our offices are open, you can request by post. However, if our offices are closed and we work from home, it will only be possible to send by email.

Q. Will my direct debit still be collected?

A. Yes, all normal services will be covered, including claims payments, but please allow more time than normal for payments to reach your account.

Business Continuity

We are reviewing government advice but at this stage, our office remains open and we will try and service your policy and claims demands within our normal service standards, however, please understand that we are experiencing a high volume of calls and emails and this may take longer than our usual.

Our employees are also a key consideration and plans are being implemented to ensure all our staff are able to continue to service your policy in the event they are required to work from home.

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