Cirencester Friendly – here when you need us most.

Cirencester Friendly exists to look after its Members which entails paying claims and managing a financially sound business. We take pride in the high standards of service provided to our Members. We understand that the claims process can be daunting and we endeavour to make the process as smooth as possible.

Read our Members' claims experience

We publish transparent Claims Statistics annually to build trust and educate our Members. In 2016 94.7% of claims were valid and paid.

Our Claim Statistics Card provides the detail on how we make our decisions, what qualifies as a claim and why we have to decline claims. Helping to demonstrate to our Members and the industry our commitment to supporting our Members when they need it most.

How to make a Claim with Cirencester Friendly

Your income protection contract with Cirencester Friendly can provide you with a secure regular income if you are unable to work due to illness or injury helping you to continue to meet payments on essential outgoings. If the unexpected does happen follow the steps below to begin your claims process.

  • Contact Cirencester Friendly to request a Claim Form
  • Complete and return the form
  • Ensure to include original medical documentation
  • Ensure to include original financial documentation showing your earnings in the last 12 months.

Your claim will then be given to a dedicated handler who will help you with any queries you may have.

Income Assured Plus and Income Assured Enhanced Things to remember…

  • You cannot claim for a condition that is Excluded on your contract. Exclusions can be standard and non standard*;
  • You cannot claim during your chosen deferred period unless you have Day One Accident Cover and suffer an injury
  • If you have Day One, 1 week or 4 week deferred period you must notify the Society within 7 days of your illness or injury
  • If you have 8 week, 13 week, 26 week or 52 week deferred periods you must notify the Society within 1 calendar month of your illness or injury
  • Your income protection contract covers up to 60% of your taxable earnings this could be less if you have:
    • any continuing earnings (including Inland Revenue P11D benefits)
    • any income protection benefit from any other providers
    • any early retirement pensions payable through ill health
    • any Department of Work and Pension benefits and unearned income which is not dependent upon you working
    • any other insurance against incapacity by illness or injury which provides regular payment

My Earnings Insurance Things to remember…

For more information on the My Earnings Insurance claims process please download our 'MEI Product Guide'

  • You cannot claim for a condition that is excluded on your contract. Exclusions can be standard and non standard*;
  • You cannot claim during your chosen deferred period unless you have Severe Injury Cover and suffer one of the named conditions for My Earnings Insurance (MEI);
  • There are time limits by which you must submit your Claim Form and any evidence we require, these vary depending on your deferred period and can be found in the MEI Product Guide;
  • Your income protection contract covers up to a specified percentage (65% for My Earnings Insurance) of your taxable earnings any benefit you receive may be reduced if you have:
    • any continuing earnings (including Inland Revenue P11D benefits)
    • any income protection benefit from any other providers
    • any early retirement pensions payable through ill health
    • any Department of Work and Pension benefits and unearned income which is not dependent upon you working
    • any other insurance against incapacity by illness or injury which provides regular payment

*Any non standard terms applicable to your contract will be detailed in your contract documents.