Back to Day 1: (0 excess) You must be off work for 30 continuous days (the waiting period) before you can claim. Back to Day 1 cover means your claim is then backdated to the first day of that 30 day period.

• The first day of your period of unemployment is considered to be the day you first sign on at the Job Centre.

• The first day of your period of accident or sickness it considered to be the day your doctor first certifies that you are unable to work.

• If you are not off work for 30 continuous days (waiting period) you would not qualify to make a claim.

30, 60, 90 or 180 day excess period

Excess Period: This is the time following the 30 continuous days of unemployment or accident and sickness and before you can claim.

For example: If you have chosen an excess period, for example 60 days, you must be totally unable to work for a continuous period of 90 days (60 days Excess period plus 30 days Waiting period) in order to receive one month’s benefit. Nothing is payable for the excess period.

If you have no savings and no company benefits you are more likely to need Back to Day 1 cover; if however you have sufficient savings to tide you over a couple of months, or you have sickness benefit from your company, you may be able to reduce your costs by using an excess period.

The flexibility of our policy means that you can mix and match the excess periods between both Accident & Sickness and Unemployment so the individual claims can begin to be paid at different times depending on your circumstances. By tailoring your policy you can reduce your monthly costs considerably.

Use our Quick Quote to see what savings you can make.