FAQs

Please find below a short list of Frequently Asked Questions (FAQs) and hopefully some helpful information for each one. Please remember, everyone's personal circumstances are different. These FAQ's are meant to help you understand the options available but are NOT a substitute for proper advice.

If you have any questions or would like a quote from an advisor, please call Properly Protected on 01953 451717 or email sales@properlyprotected.co.uk

  1. Can I have income protection if I’m self-employed?

    Yes, our Short Term Income Protection (STIP) can cover you for up to 12-months if you are signed-off from work due to illness or injury, including self-employed or commission only occupations. You will need to provide evidence of your gross monthly income if you claim, such as the last 6-months bank statements or HMRC tax returns.

    The most you can claim is 60% of your provable gross monthly income, up to a maximum of £2,000 per month and you can choose cover to pay you back-to-day-one after either 14 or 30 days of being signed-off work (you can self-certificate for the first 7-days).

  2. Does Properly Protected income protection cover me motorcycle racing?

    Yes, there are specialist companies we use and plans that cover income protection, personal injury and accidental death for both professional and non-professional sports people.

  3. Can income protection cover me from day-one?

    Yes, there are plans that do pay back to day-1 after you've been off for 14 or 30 days (depending on which policy benefit you have chosen). You can self-certificate for the first 7-days but will need a GP certificate after that and the insurer may request medical reports etc.

  4. Can I get covered immediately for accident and sickness?

    Yes, all of our plans are guaranteed acceptance, with no underwriting and immediate cover.

    Once you have entered your personal information, bank details and submitted the application online you will receive an email from the insurer once you are on cover). If you have purchased via one of our sales agents over the phone or face-to-face they will enter your information and an email will be sent confirming cover is in place.

    You are not covered until that email has been received from the insurer.

  5. Can I cover my partner or children?

    Yes, you can choose to add Partner, Children or the entire Family on our Personal Injury Plans (PIP), including when playing sports, however they will only receive 50% of the selected adult benefits.

    See the policy document for the definition of partner, or children, including children over 18 but in full time education.

    Short Term Income Protection (STIP) does not cover partner or children.

    We can't add children to Accidental Death (AD) plans either, although you can add your partner.

  6. Do you offer insurance for dirt bikes, track bikes or race bikes?

    Our group company BeMoto offers insurance for road and non-road bikes, including dirt bikes, quads and track or race bikes.

    Visit www.bemoto.uk or call BeMoto on 01733 907000* to discuss your requirements and mention "Properly Protected" for the best deal.

    * Calls are recorded

  7. Do you offer insurance for my road motorcycle?

    Our group company BeMoto offers insurance for road and non-road bikes, including dirt bikes, quads and track or race bikes.

    They have products for multi-bikes, modified and customs, classics, collections, trikes and every other type of motorbike you can think of. Visit www.bemoto.uk or call BeMoto on 01733 907000* to discuss your requirements and mention "Properly Protected" for the best deal.

    * Calls are recorded