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Cirencester Friendly Income Protection Insurance

Income Protection Insurance.  Enjoy 3 Months' FREE cover

Fill in the form on this page with the code BL3MF to qualify for THREE MONTHS’ FREE COVER when you set up your income protection policy with us.


Founded in 1890, has over 36,000 members and is the 8th largest income protection insurance provider in the UK.  Its IP product, My Earnings Insurance covers up to 65% of your earnings and offers cover from Day 1.

Cirencester Friendly has won several awards, including the Moneyfacts “Best Income Protection Provider” in 2016, and a Cover Excellence customer service award in 2017 for an “Above and Beyond” team.

This insurer has a long history of providing cover for working people, and with their pay out rates remaining consistently at 94% since 2014, they are considered a reliable IP insurance provider.

In general, their products are easy to understand and jargon-free, which we endorse.

How Financially Strong is Cirencester Friendly?

In 2016, Cirencester’s investment portfolio stood at £79.8 million.

They have experienced excellent growth in the last 20 years, more then doubling their membership through organic growth.

Income Protection Insurance from Cirencester Friendly.  Your At-A-Glance Guide

In a nutshell, Cirencester Friendly offers a slightly lower amount of benefit that you can claim over a year – at a maximum of £52,000.  Therefore, if you are a higher earner, it may be worth considering another income protection provider.

They offer a flexible range of policy options to suit most occupations and lifestyles, and that incorporate the ups, downs and life changes that happen to all of us, including getting married, having children or changing jobs.

You’ll be able to amend or increase your policy quickly and easily.

Your application to Cirencester Friendly will be fully medically underwritten, so you’ll be aware of your cover and/or where you stand from the start.  However, you will need to disclose your medical history when you apply.

This insurer offers either guaranteed premiums or age banded premiums, with the latter costing you slightly more each year.

Remember, we are whole of market insurance advisers, and will be able to offer an unbiased view on all policies, not just Cirencester Friendly.

  • Cirencester Friendly offers own occupation cover to all its policy holders. This is the most adaptable type of cover definition.
  • With this insurer, if you have a slightly higher risk occupation you will still be considered for income protection. Whilst the most hazardous careers and occupations are likely to be excluded, premiums tend to remain consistent for everyone.  Also, if you have a dangerous hobby or are a smoker you may still be offered cover.
  • To quality for this insurer’s IP you must:
    • Be a UK resident for at least 2 years
    • Live permanently in the UK
    • Prove that you have been registered with a GP for at least 2 years

Overview of Key Policy Details

Policy Type Income Protection
Premium Types Annual Escalating or Level
Maximum Claim Duration Until the policy cease age
Incapacity Definition Own occupation
Deferred Period Day 1 or 4/ 8/ 13/ 26/ 52 weeks

A split period is also offered: either Day 1 or week 4

Indexation Optional
Waiver of Premium Automatically included. Your premiums will be refunded each month.
Maximum Cover 65% of your gross income annually before tax.  This is up to a maximum yearly salary of £80,000
Minimum Entry Age 18 years
Maximum Entry Age 54 years
Maximum Cease Age 70 years
Guaranteed Insurability Marriage or civil partnership

Increase in your mortgage

Salary increase

Childbirth or adoption

You can also increase your cover on every 5th anniversary of your policy start date.

Policy Exclusions Self-inflicted conditions (eg incapacity as a result of drugs, alcohol, self-inflicted injury etc)

Pre-existing conditions that cause incapacity may be excluded during the underwriting process

Key Points about Cirencester Friendly

  • It’s worth re-iterating Cirencester Friendly’s own occupation definition of incapacity. This means you’ll be able to make a claim under the classification of not being able to carry out your own occupation, rather than any other role.
  • This insurer offers Friendly Voice – see below.

What Else Does Cirencester Friendly Offer?

Severe Injury Cover. As long as you avoid a Day 1 deferred period, Cirencester Friendly offers severe injury cover.  Benefit will be paid from day one of your claim, as long as your injury is one of those specifically listed in your policy.

Terminal Illness Cover.  If you are diagnosed with a terminal illness, this insurer offers terminal illness cover as standard.  Should you have less than 12 months to live, Cirencester Friendly will pay a lump sum to the equivalent of 6 months of benefits.  You will also be able to claim your monthly benefit.

Fracture and Hospitalisation Cover. For an additional £4 per month, should you sustain a fracture (there are certain conditions), Cirencester Friendly will pay you a lump sum of £1,000.  Also, if you are in hospital for more than 3 consecutive nights you will be paid £50 per night backdated to the first night, up to a maximum of 21 nights.

Return to Work Benefit.  If you are well enough to return to work part-time or if you take a job at a lower salary that is less demanding you will be able to apply for a Return to Work benefit to top up your earnings.

Unique Benefit from Cirencester Friendly

This insurer offers Friendly Voice.  When you claim, you will be assigned a personal nurse who can offer you advice, information and support when you need it.

This service is provided by RedArc Nurses and is of particular help for people suffering from mental health or emotional problems or caring for people who are suffering from these.

Your personal nurse can also arrange for other services free of charge should you need them, such as

Do YOU need advice from Black Lion?

If you’re of working age and you support your family financially, then YES, we would definitely advise that you speak to the experts at Black Lion Insurance about income protection.

Should illness strike or you suffer an injury, it’s unlikely that you will be able to work.  May we ask, do you have enough savings to continue paying the mortgage and to cover your bills?

Life is quite expensive, but income protection insurance doesn’t necessarily have to be.  Speak to the qualified team here at Black Lion Insurance for best-in-class advice regarding the most suitable insurance policy for you and your family.

Our aim is to educate our clients as much as we can; we’re completely up to speed with Cirencester Friendly, and the sort of person (lifestyle, occupation etc) who would suit their cover. In fact, we deal every day with a raft of insurance providers – all the major ones.  And, they’re all quite different.

Here at Black Lion Insurance, we’re here to support you every step of the way.  We can help you to go from zero to hero in the insurance knowledge stakes.  Don’t waste time trying to find the perfect income protection insurance.  Let us do it for you.

We have the negotiation power, the knowledge you need, and the in-depth understanding of this highly important type of insurance to keep you and your family financially secure.

Income Protection Insurance.  Enjoy 3 Months' FREE cover

Fill in the form on this page with the code BL3MF to qualify for THREE MONTHS’ FREE COVER when you set up your income protection policy with us.

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Income Protection FAQs

From our most commonly asked question "Do I need income protection insurance?" to information on what affects the cost of your policy.

What our clients are saying

Black Lion insurance were great in helping me get through the countless jargon and pitfalls when it comes to setting up insurance. I was thankfully recommended to them by a colleague and they made the process seamless ensuring I have the most appropriate policy for me.

I’m an IT contractor and I wasn’t sure if I was eligible for this cover, however, to my delight, not only could I have the cover, but I could pay it through my Ltd company. I was covered within an hour of getting in contact. Very prompt and informative service!
Sanjay P

Polite and very clear when explaining my product of interest. Happy to answer any questions and recap on areas that I wanted to ensure I understood clearly before committing. Didn’t feel pressured or rushed at any point and the chap was very pleasant.
Donna Rudd

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About Us

Part of Halo Consulting, Black Lion Insurance are a dedicated team of insurance consultants with years of experience in guiding our clients to a solution that meets their specific needs. We specialise in helping both employed and self employed individuals, as well as business owners on a variety of solutions, which range from life insurance, income protection insurance, keyman insurance and shareholder protection insurance.

The guidance and/or information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK

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Black Lion is part of Halo Consulting and a trading style of Halo 2018 Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). Financial Services Register Number 811239. “