This income insurance policy is underwritten by certain Underwriters at Lloyd’s. Your Policy is administered by Collinson Insurance Services (a trading name of Collinson Insurance Brokers Limited). Full information is provided in the Policy Wording.
This policy will provide, subject to applicable exclusions and conditions, claims benefits for a maximum of 12 months; provided you remain unable to work and the policy End Date has not been reached. Full information is provided in the Policy Wording.
You can choose the amount of money that you would like to be paid each month if you claim. The maximum monthly benefit amount can be up to 60% of your gross income or £2,500 per month, whichever is the lower.
This policy has an initial exclusion period at the start of the policy during which you cannot make a claim for unemployment. The Initial Exclusion Period is for 90 days immediately following the start date of cover or the date of a cover increase and is only applicable if the cover type is or includes unemployment. For more information please read the Policy Wording.
This income insurance will allow you to make a claim for unemployment if you meet certain conditions such as: you must be receiving job seekers allowance and be registered as available for work. For eligibility and exclusions on this, please refer to Policy Wording.
If you have transferred cover from an alternative insurer that has provided full unemployment cover over at least the last 6 months, for which you have not made a claim in the last 6 months and you can provide proof of this cover then, subject to a limit of the same benefit amount, the initial exclusion period will be waived.
If you have any payment in lieu of notice, your waiting period will not begin until after your notice period would have ended. Full information as to what constitutes payment in lieu of notice is provided in the Policy Wording document, please refer to this document.
The policy will allow you to make a claim for accident and sickness (if you have selected these options) if you sustain an injury that is caused by accidental or violent means or; Suffer sickness which is not a pre-existing medical condition. In either case there are a number of criteria that then apply, please refer to the Policy Wording for these.
If you have a pre-existing medical condition where you sought or received treatment in the 12 months prior to the start date of your policy and within 24 months prior to commencement of claim then these conditions are not covered. Full information is provided in the Policy Wording.
Full information about how to make a claim is provided in the Policy Wording. Generally, all claims enquiries including notice of a new claim should be addressed to: Claims Department, MMS, Melbourne House, Melbourne Street, Farsley, Pudsey, Leeds, LS28 5BT or by telephoning 0113 2209755.
If you have a complaint relating to any aspect of the sale of this policy, please contact Columbus Direct by emailing email@example.com or telephoning 0800 540 4450.
If you have a complaint relating to any aspect of administration, please contact us at Complaints Department, Collinson Insurance Services, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN, by telephone on 0845 6851162 or by E-mail: firstname.lastname@example.org.
If you have a complaint relating to any aspect of claim, please contact MMS at MMS, Melbourne House, Melbourne Street, Farsley, Pudsey, Leeds, LS28 5BT, by telephone on 0113 2209755 or by E-mail: email@example.com.
Full details can be found in the complaints section of your Policy Wording .
Yes. Both Columbus Insurance (as the seller), Collinson Insurance Services (the administrator) and MMS as the claims administrators are committed to maintaining your personal data in accordance with Data Protection legislation and the highest standards of data handling. Full information is provided in the Policy Wording.