Review Cirencester Friendly Income Protection policies

Cirencester Friendly Income Protection

My Earnings Protected



Company Type

Friendly Society

Company Overview

Cirencester Friendly has a long history of providing Income Protection for workers across the UK. The Society is the eighth-largest Income Protection provider in the UK with over 36,000 members in 2016.

Its product, My Earnings Protected, was introduced in 2018.

It has won several awards over the years, including a Cover Excellence customer service award in 2017 for an ‘Above & Beyond’ team and the Moneyfacts ‘Best Income Protection Provider’ award in 2016.

Cirencester Friendly’s payout rates have stayed consistently at 94% since 2014, making it one of the more reliable providers of Income Protection.


Cirencester Friendly Income Protection key facts pdf.
Cirencester Friendly Income Protection policy terms pdf.

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Income Protection Overview

Cirencester Friendly Income Protection policies have level as well as increasing premiums to choose from. For that reason, you should read the terms of your policy carefully.

  • My Earnings Protected policies use an Own Occupation definition of incapacity. This is the best definition of incapacity and ensures that you are able to claim for as long as you need to if you are unable to perform your duties at your place of work.
  • The Cirencester Friendly application is fully medically underwritten, so you know exactly where you stand from the outset.
  • If you are well enough to return to work but only on a part-time basis, Cirencester Friendly will continue paying reduced benefits temporarily until you are able to return to work fully.
  • When taking out the policy you can choose between guaranteed premiums and age banded premiums. Age-banded become more expensive the older you get.

Cirencester Friendly does have quite a low maximum on the amount of benefits you can claim each year. If you are a higher earner and need more than £52,000 to support your lifestyle, you may need to consider a different Income Protection provider.

Cirencester Friendly Income Protection Policy Conditions

Overview of Key Policy Details

Policy Type

Income Protection

Premium Type

Guaranteed or age-banded premiums

Maximum Claim Duration

Until policy cease age

Incapacity Definition

Own Occupation

Deferred Period

Day 1 or 1 / 4 / 8 / 13 / 26 / 52 weeks
A split period contract is available which offers part payments that begin from Day One and full payments from week 4


You can apply for indexation at any time up to 5 years before the maximum age permitted on the policy providing you’re not in a claim.

Waiver of Premium

Rather than waive premiums during a claim, Cirencester requires the claimant to continue paying the premiums, which are then refunded on top of the monthly benefit payments made to the claimant

Maximum Cover

65% of your gross earnings. The maximum salary you can insure is £80,000 per year

Minimum Entry Age

18 years old

Maximum Entry Age

55 years old

Maximum Policy Cease Age

70 years old or the set retirement age for your occupation

Guaranteed Insurability

Allows client to increase their benefit, without supplying medical information, when one of the following ‘Lifestyle’ events occurs:

  • Marriage or entry into a civil partnership
  • Birth or legal adoption of a child
  • Promotion or salary increase
  • Increase in mortgage.

In addition, clients can also increase their cover on every fifth anniversary of the start date of the contract.

Policy Exclusions

Incapacity as a result of misuse of drugs/alcohol, self-inflicted injury, criminal activity, normal effects of pregnancy, treatments or procedures that are not considered a medical necessity.

During the underwriting process pre-existing conditions that cause incapacity may be excluded from your policy by your underwriter.

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

Drewberry Reviews Cirencester Friendly Income Protection…

Friendly Voice is a unique service available to Cirencester members – it provides free, confidential practical advice, emotional support and a friendly listening ear when needed to its members.

Key Comparison Points

  • Cirencester Friendly is not able to provide cover for all occupations. Occupations that are not covered by this policy include athletes, divers, musicians, and members of the armed forces.You can find the least of all affected occupations in Cirencester Friendly’s Occupation Retirement Ages guide. However, risky occupations aside from excluded ones will not have their premiums increased.
  • If you choose any deferred period aside from Day 1, you can choose to add Severe Injury Cover to your policy. If you have one of the specific injuries that is listed in your policy and need to claim, your benefit will be paid from the first day of incapacity.
  • Cirencester Friendly Income Protection policies include Terminal Illness Cover as standard in its policies. With this benefit, if you are diagnosed with a terminal illness (less than 12 months to live), you will be given a lump sum that’s worth 6 months of benefits. You will still be able to claim your monthly benefits in addition to getting this lump sum.

Benefits and Options

Friendly Voice

One Cirencester Friendly’s unique services that give them an advantage over others is their Friendly Voice service, provided by RedArc Nurses. With your policy you will be assigned a personal nurse that you can contact for information and support when you need it.

This service is designed to reduce the stress and emotional difficulties of people suffering from or taking care of someone suffering from physical or mental health issues. Your personal nurse can also arrange other services at no extra cost if necessary, such as counselling, therapy, or a home visit.

Fracture and Hospitalisation Benefit

This optional benefit for an additional £4 a month provides you with a lump-sum payout of up to £1,000 if you sustain a comminuted, complicated, compound, depressed, or simple fracture to any one of the 19 parts of the skeleton Cirencester has listed. You can claim this benefit once every 12 months and only for one fracture at a time.

If you have stayed in a hospital for 3 consecutive nights, Cirencester Friendly will pay out £50 per night in a UK hospital, backdated to the first night’s stay. You can claim this benefit for a maximum of 21 consecutive nights per stay and to a limit of 21 nights in total per year.

Immediate Death Benefit

If you die during your policy’s term, a lump-sum of £5,000 will be paid to your family. This is an optional benefit that costs an additional £5 a month.

Financial strength

Cirencester Friendly has continued to grow as a society in the last two decades. Membership has more than doubled during this period from 15,000 to over 36,000 members in 2016, which has been managed by offering a wide range of products and investment opportunities to its members. In 2016, their investment portfolio was worth £79.8 million.

Cirencester Friendly Income Insurance: Questions and Answers

We aim to know the policies we advise on, inside out and back to front. Below is a couple of commonly asked questions with regards to the policy coverage of the Cirencester Friendly Income Protection insurance product answered.

Q. How does Cirencester Friendly decide the cost of my premiums? Will a dangerous occupation make Income Protection more expensive?

A. Cirencester Friendly determines the cost of your Income Protection policy during its underwriting process. It uses Full Medical Underwriting to review your policy, which means that you will need disclose some information about your medical history when you apply for your policy.

If you have a dangerous occupation that may link you to a higher risk of incapacity, most insurers will offer you cover at the cost of higher premiums. However, Cirencester Friendly Income Protection policies take a different approach.

Rather than choosing to make policies more expensive for dangerous occupations, Cirencester Friendly instead have excluded the most risky occupations and kept the premiums at the same price for all other occupations. They also won’t increase the cost if you’re a smoker or have a dangerous hobby.

Q. Can I continue claiming my benefits if I’ve returned to work?

A. If you are well enough to return to work but only on a part-time basis, or if your condition has forced you to change to a different occupation with a lower wage, you can apply for Recovery Benefit. This gives temporary financial support in the form of reduced benefits to help you get back on your fit.

It is important, however, that you tell your insurer about returning to work before you do so. Failing to do so will affect your benefit payments or your ability to claim.

Need Expert Income Protection Advice?

As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2904 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
Tom Conner Director at Drewberry

If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02084327333 or email

Tom Conner

I had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
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