Instant Quote for Pure Protection


We only need to know a few details before we can give you an instant quote:
Age Must be between 16 and 59 years
Occupation
Retirement Age Must be between 50 and 68 years
Monthly Benefit Must be between £78 and £10,000


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My Cover

Benefits

Covers you when you are unable to work due to illness or injury

Pure Protection pays your chosen level of cover if you are unable to work due to illness or injury.

Offers long-term cover

You can keep your Pure Protection policy right through to age 68.

Claim

You can make any number of claims under Pure Protection, this will not affect your premium.

Own occupation cover

When assessing any claim, we only look at what you do under your own occupation.

You can choose from a wide range of waiting periods

So your income replacement starts when you need it to.

Simple pricing structure – Age costed premiums

You pay “as you go” according to your age – making premiums cheaper when you start your policy.

Indexation Option

This option means your cover is automatically adjusted every year in line with inflation and will result in an increased premium.

 

Limitations

Pre-existing conditions

If the personal or medical information that you provide with your application highlights a medical condition we may offer you a policy on what is called 'special terms'.

Claim waiting period

No payments will be made under this policy unless the illness or injury lasts longer than your waiting period. Payments are made fortnightly in arrears.

Ages 16-60

You can only take out a policy between your 16th and 60th birthday.

Five year minimum period

Your policy must start at least 5 years before your chosen finishing date.

Cover

Is limited to a maximum of £10,000 per month or £120,000 per year.

Residency

You must have been resident in the UK for the last 3 years.

Level of cover

You need to ensure that your income is high enough to support the level of cover you choose.

Check your occupation

There are some occupations that Pure Protection cannot cover.

Reviewable Premiums

Premiums are payable monthly and are reviewable meaning that we can either increase or decrease them under specific circumstances, see policy literature. Premiums also change with age and with any increase in cover.

 

What am I not covered for?
There are no standard exclusions in Pure Protection.
However, to be clear, income protection generally is not designed to cover you for the following:

Unemployment

You cannot claim just because you become unemployed. This plan does not cover for unemployment or redundancy.

Pregnancy

Pure Protection will not pay benefit for any claim which is made solely as a result of the normal effects of pregnancy or childbirth.

Cosmetic Surgery or Sterilisation

Pure Protection does not provide you with cover if you need to have any time off work as a result of any cosmetic surgery or a sterilisation that you choose to have.

Claiming abroad

Pure Protection covers you for illness and injuries that happen anywhere around the world. However, for us to be able to pay your income replacement benefit, you must be either resident and in the UK, any country in the EU or a selected list of other countries at the time.

Pure Protection

Pure simplicity. Pure Protection is a long-term, comprehensive income protection plan with no small print. You pay the same premiums regardless of your occupation or whether you smoke, for exactly the same benefits. Our best seller...