Income Replacement Cover

For an immediate Income Protection quote during working hours please call 0845 365 0030 quoting ref WS6
I want a quote for short term income protection to cover against accident, sickness and unemployment for up to 12 months.
I want a long term income protection quote to protect against accident or sickness until retirement.

I want a quote to cover my income only, and I don't have a mortgage.
I want a quote to cover my mortgage and related expenses.
I want a quote to cover my rent and related expenses.
I want a quote to cover a loan.
I'm confused and need advice.

I want a long term income protection quote to cover against accident or sickness.

This is a summary of the main terms and conditions of the income replacement policy from Pinnacle Insurance.

Is it easy to apply?

Yes it is very easy. Simply complete the online application form, confirm that you have read and understood the declaration and click on the 'Quote' button.

Can anyone apply?

Yes - anyone can apply so long as you are over 18 and under 60 years of age and you reside in the UK, the Channel Islands or the Isle of Man. You must also be in full time employment (or be self-employed) for at least 16 hours per week and have been so for the last 6 months, and required to pay UK income tax.

When will my cover commence?

Income Replacement Cover will commence on acceptance of your application, as detailed in your schedule of cover which will be sent to you with your policy document.

Is there an initial exclusion period when I won't be covered?

You will not be covered for any unemployment which occurs during the first 120 days of your policy.

Is there a waiting period before I can claim?

When applying for cover you decide on how long an excess period you require, either 30 or 60 days. Then if you are off work for more than your chosen excess period, through accident or sickness, or unemployment if you have selected this cover, you can start claiming your Income Replacement benefit. Days off work must be certified by your doctor or Jobcentre.

Is there a maximum monthly benefit limit?

You can select to cover any amount up to 75% of your total monthly income, subject to a maximum of £1,500 per month.

How do I claim?

Claiming is simple and straightforward, you can contact Pinnacle and request a claim form by calling 020 8207 9100

How long can I claim for?

Claims benefits are paid monthly in arrears and can continue for up to 12 months.

Is there anything I won't be covered for?

The answer is very little. The main instances when you will not be covered are deliberate self injury, riding on a motorcycle, dangerous sports or occupations, working as a professional sportsperson, or any injury or condition which you knew about or have received advice or treatment for in the last 12 months prior to your application for cover even if not diagnosed, AIDS related conditions, conditions due to drug and alcohol abuse or criminal activity. If you have also selected unemployment cover, you will not be covered if you knew or had reason to believe you might become unemployed, if your work is seasonal or temporary or you accept voluntary unemployment. If you are on a contract you can still qualify for unemployment cover if you satisfy certain conditions which are contained in the full policy. A full list of exclusions is also available in the full policy.

Do I have to be in hospital to claim under Income Replacement?

No, all you need is a Doctor's Certificate stating you are unfit to work. You must then remain under the care of your doctor during your claim.

Will the premiums rise as I get older?
No, premiums will not rise as you get older.

Who underwrites Income Replacement?

Income Replacement is underwritten by Pinnacle Insurance plc, Registered office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom. Registered number: 1007798.

This is only a summary of the cover, full terms and conditions are available in the full policy.

Sometimes it pays to take advice if you want to know more about the benefits of each individual plan.

Call us on 0845 365 0030 quoting ref WS6

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