Insurance
Made Simple

You shouldn't need a law degree to understand your insurance. We've made our T&Cs so simple, that we're showing it off. See for yourself!

afforable income insuance

1. Your cover

We will pay you when you can't work due to any accident or illness. Your accident or illness must prevent you from doing the main activities of your occupation. By the main activities of your occupation, we mean the things which can't be reasonably left out of your role, or changed by you or your employer.

We will start paying you once we have approved your claim and you have been off work for two consecutive months.

You are covered for any accident or illness that means you can't work. However, there are a few things that you can't claim for:

  • You suffer an accident or illness but are still working - We will not pay you if you have suffered from an accident or illness but are still working.
  • You become unemployed - We will only pay you if you can't work due to accident or illness.
  • You die - You cannot claim on your cover if you die.
  • You are not working immediately before you claim - You cannot claim on your cover if you are not employed or self-employed just before you claim.
  • You suffer an accident or illness caused by taking part in a dangerous activity - You are not covered for any potential claims that are caused by participation in the following activities:
    • Flying (other than as a fare paying passenger)
    • Sky diving, parachuting or hang gliding
    • Motor sport or powerboat racing
    • Competitive mountain biking
    • Outdoor mountaineering or rock climbing
    • Sailing, other than inland
    • Diving or scuba diving at more than 40m
    • Caving or potholing
    • Base jumping, white water rafting or abseiling
    • Heli or off-piste skiing
    • Professional and semi-professional rugby and football

However, claims that arise from injuries caused by a one-off participation (such as charity events or experience days) may be considered.

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2. Claiming on your cover

To make a claim, you need to submit your claim online within one month of your accident or illness. We will ask you for information about your accident or illness and your doctors contact details.


We will also need evidence that you were either employed or self-employed just before claiming. To evidence this, we may ask for:

  • Employed - Your latest P60, payslip or bank statement which shows at least one month's income from your employer.
  • Self-employed - Your latest bank statement, or any invoices received within the last three months.

If you do not tell us about your potential claim within one month of your accident or illness, it could delay how quickly we can start paying you.

We may also need to get medical reports from your doctor. We will need your permission to do this and will ask for your permission when you submit your claim.

Whilst we're paying your claim, we may need to ask your doctors for ongoing medical information and check that you have not returned to work. In some cases we may also ask you to be examined by a doctor we have chosen.

We will start paying you once your claim has been approved and you have been off work for two consecutive months. We will continue to pay you each month whilst your claim remains valid.

If you are employed and you have provided acceptable evidence of your income within three months of buying your cover, we will pay you your full cover amount. However, if you are receiving payment in lieu of income such as furlough income or similar, this will be taken into account when assessing your claim payment.

If you are self-employed or haven't provided evidence of your income within three months of buying your cover, we will ask for this evidence when you claim. We will then pay you the lower of:

  • Your chosen cover amount
  • 60% of your monthly income, in the 12 months before claiming.

By income, we mean the amount of earned pre-tax income. We define this as:

  • Employed - What your employer pays you, this include your base salary and bonus. You can evidence your income with either your latest P60, payslip or bank statement which shows at least one month's income from your employer.
  • Self-employed - What you earn for carrying out your main occupation. This is the amount you pay income tax on, not your turnover. If you own a limited compnay, this can include any dividends that are related to your main occupation. You can evidence your income with your latest HMRC tax return.

If you are in receipt of payment in lieu of income under the Furlough or Self-Employment Income Support Schemes or similar, this will be taken into account when assessing your claim payment.

We will pay you for up to 24 months. We will stop paying you on the earlier of:

  • Your return to work
  • You can carry out the main tasks of your occupation
  • You reach your 70th birthday
  • You die
  • We have paid you 24 monthly payments for that claim

If you need to claim again, we will consider your new claim as one of the following:

  • Claiming for the same condition within 6 months of returning work - if you need to claim within six months of returning to work, due to the same condition, we will treat this as the same claim. We will only pay you if you have previously received less than 24 payments. The total number of potential payments remaining will be 24 less the number of payments previously received. We will start paying you immediately once your claim is approved.
  • Claiming after 6 months of returning to work - if you have returned to work for six consecutive months, any further claim you make will be treated as a new claim. You will have to be off work for a further two months before we start paying your new claim.

If you recover from your accident or illness and go back to work part time, or in a different job, we will stop paying you.

We will still pay you if you make a valid claim if you are working in either, an EU country, USA, Canada, Australia, Channel Islands, Isle of Man or New Zealand. We will need to pay your cover in GBP in to a UK bank account.

To check your ongoing claim remains valid, we may need to see medical information from a UK doctor.

If you're anywhere else in the world we will only pay your claim for a maximum of 6 months.

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3. Paying for your cover

You will need to pay us every month until the earlier of, your 70th birthday, you die or cancel your cover.

Every year we will increase the amount you pay us by 3%. We will apply this 3% increase whether you are claiming or not.

We will inform you 30 days before this increase is applied.

No. Once we have approved your claim and whilst we are paying you, we don't charge you.

If you miss one payment, your cover will stay active for 30 days. Once you miss your second payment, your cover will be cancelled.

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4. Changing your cover

You can make certain changes, such as changing your address, online by logging in to your account at www.joinspring.co.uk. For other changes, such as changing your cover amount, you can email us at hello@joinspring.co.uk.

You can cancel your cover at any time, there are no fees or penalties. Log in to your account at www.joinspring.co.uk and follow the instructions.

If you cancel your cover during the first 30 days, it will end immediately and a full refund will be made. If you cancel after 30 days, your plan will end at the next billing date and no further payments will be taken.

Yes, if you have fraudulently purchased cover we can cancel your cover. This includes providing untrue, inaccurate or misleading information when applying for this cover. We can also cancel your cover if we identify your involvement or association with any financial crime.

If we cancel your cover we will not refund any money that you have paid us.

No, you can only buy one cover with us. However, we make it flexible for you to change your cover at anytime.

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5. Legal stuff

You can email us at Complaints@joinspring.co.uk. You can also refer your complaint to the Financial Ombudsman Service (your legal rights are not affected). For more details you can visit their website at www.financialombudsman.org.uk.

Yes, when you purchase your cover you must be:

  • A permanent UK resident and registered with a UK GP, for at least two years, and either;
  • Employed, working at least 16 hours a week and not on furlough or partial furlough, or
  • Self-employed, working at least 16 hours a week and have not ceased trading.

The laws of Wales and England apply and we will always communicate to you in English.

No

Your cover has been arranged and adminstrated by Spring. Spring is a trading style of Spring Financial Ltd (No. 11843942), authorised and regulated by the Financial Conduct Authority (No. 841489).

Shepherds Friendly underwrites your cover. The Shepherds Friendly Society Limited is an incorporated Friendly Society under the 1992 Friendly Societies Act No. 240F. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Registration Number 109997.

Please see Shepherds latest SFCR at www.shepherdsfriendly.co.uk/your-mutual/about-us/reports-and-accounts?

Your plan is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. For more information visit www.fscs.org.uk or call 0800 678 1100.