Exclusions

Whilst it is vital to find an income protection company that has a consistent history of paying claims on time, it is perhaps more important to check when they will not pay. These are known as exclusions. Some of the worst plans on the market include as many as 15 exclusions. Common ones include excessive alcohol, pregnancy (normal-complicated pregnancies may be covered) and dangerous activities such as mountaineering or scuba diving. Note: the latter will depend upon frequency and heights/depths involved Contact us to find out which exclusions apply to your plan(s).