Income Protection Insurance

Income Protection Insurance is designed to pay you a monthly income for up to 12 months per claim if you are prevented from earning an income due to an accident, sickness or involuntary unemployment. your premium will depend on the initial exclusion period you have chosen, i.e. 60, 90 or 120 days. Initial Exclusion Period means the number of days immediately following the Policy Start Date when you cannot claim for unemployment. If you are applying to cancel and replace your cover from another provider, the Initial Exclusion Period may be waived provided your cover with the previous provider has been in place for a minimum of 6 months prior to transfer.

REALM 60

Policy Document - 60 days exclusion period

IPID - 60 days exclusion period

Terms of Business

Frequently Asked Questions (FAQs)

The Realm 60 has a maximum monthly benefit of £2000 and a 60 days unemployment exclusion period.


Realm Protection Ltd Income Protection Insurance is designed to help take care of your normal monthly commitments in the event that you are off work as a result of an accident, sickness (disability) or involuntary unemployment / involuntary redundancy. Your outgoings do not stop just because your income does, that is why income protection can be important. You can select cover from the following options: Accident, Sickness & Unemployment (ASU) cover, Unemployment only (U only) or Accident and Sickness Only (AS Only) cover.
If you have an existing policy with another provider, you can apply to cancel and replace your cover to Realm Protection if you feel the policy we offer meets your demands and needs and you meet the eligibility requirements. There should be no gap between the date you cancel your old policy and the start date of your new Realm policy.
The wait period before you can claim will depend on the type of cover you select. The longer the wait period the lower your monthly premiums will be. Realm 60 offers three wait periods for you to choose from, either 30,60 and 90 days. You can start claiming on your insurance after the wait period you have selected is over for accident and sickness as certified by a doctor. For unemployment claims you cannot claim within the first 60 days of the start date of your policy. But after that period you can claim after the wait period you have selected, either 30,60 or 90 days has expired.
The maximum number of monthly benefit payments for our policy is 12 monthly consecutive payments in any one claim period. You are able to submit more eligible claims once you have returned to work for the re-qualification period of 3 months.
Yes as long as you meet the eligibility criteria. Just like employed people you will need to provide a copy of a sick note if you are making a claim on the accident and sickness (disability) element of cover. There are limited circumstances in which a self- employed person could make a valid claim from involuntary unemployment, please refer to the full policy wording for details.
You may be eligible to apply for Income Payment Protection Insurance; however, there are specific terms that apply for claiming unemployment benefits under the policy.

Please refer to full policy wording for details.

You will not be able to claim for any period of unemployment for which you were aware of at the start date of this policy or which occurs within the initial exclusion period. Further details can be found in the policy wording.
This would be classed as a pre-existing medical condition. You would not be able to claim for a pre-existing medical condition if you have seen or arranged to see a doctor during the 12 months immediately prior to the start date of your policy. This exclusion is waived if you have been free from its symptoms, and have not consulted any doctor nor received any treatment for or in connection with the condition for a two-year period prior to your claim.
Yes as long as there is radiological evidence of medical abnormality, visible wound, contusion confirmed by a doctor, or a consultant certifies that the condition solely prevents you from working.
Yes as long as a consultant psychiatrist certifies that the condition solely prevents you from working.
You must give notice of a claim by telephoning the administrator on 01285 626020. Please note that for all unemployment claims you will be required to show evidence that you are actively seeking work. As evidence you will be required to provide at least 10 job applications per month during the claim period. Failure to do so may result in you not receiving your monthly benefit under this policy. This will apply irrespective of whether you are registered as available for work at a Job Centre Plus or The Department of Health and Social Security in Northern Ireland.
No, the minimum period for which you can claim is 30 days.
This insurance is underwritten by Vibe syndicate management limited on behalf of syndicate 5678, registered address; 5th Floor, 90 Fenchurch street, london, EC3M 4ST and who are authorised by the Prudential regulation authority and regulated by the Financial conduct authority and the Prudential regulation authority.
Yes, the monthly benefit chosen must not exceed £2000 or 65% of your normal gross monthly income whichever is lesser.

There are some things that you are not covered for. These are generally anything you already knew about when applying for the policy or anything that is caused by deliberate or illegal acts on your part, ie;

Any sickness, condition or injury whether diagnosed or not about which you knew or should reasonably have known at the policy start date or had seen or arranged to see a doctor during the 12 months prior to the policy start date.

Full details can be found in the policy details page. You must read through this document to ensure the policy is suitable for you.

The policy is reviewed on an annual basis, however your premiums are paid monthly. Thirty (30) days before the policy has been in force for a year, and annually thereafter, we will write to you advising you of the premium for the next 12 months and of any changes to your cover.
Yes. There is no waiver of premiums during the period of the claim. If you make a claim, premiums must be continued and these will be collected as normal by direct debit. If you cancel the premium payment, any claim being paid will cease and the insurance cover will be considered ended.
The premiums for future years will depend upon the forecasts of costs to the insurer of settling claims and changes in taxation and inflation. The Insurer will not seek to recover, in future years, the costs of any claims already paid out. Changes to your premium will not depend on your individual circumstances (except age) but on the cost of overall claims.
Yes you can apply if you are under the age of 64.
Realm Protection is covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangement is available from the FSCS.
In order to claim for unemployment insurance you need to be either in receipt of job seeker allowance or be registered with the job centre plus.
You can change your address by contacting us by email, telephone or writing to us. Please see the Contact Us section of our website for details.
No, unfortunately we do not offer joint policies
You need to contact the claims administrator as specified in your policy document. They will either send you a claims form or tell you what you need to do in order to make a claim.
You will need to cancel your policy with your existing provider. However, you should ensure that your new policy has been made active before you cancel your existing policy.
No, you cannot claim if you are notified of redundancy during the initial exclusion period.
Yes, we cover accidents/injury related claims from sports activities as long as they are not undertaken in a professional capacity.
You can update your policy details by contacting us by email, phone or writing to us. Please see the Contact Us section of our website for details.
Yes, it is possible to change your direct debit date by contacting the policy administrator on 01285 626020.
You will be able to take out a policy to cover your main employment (job for more than 16 hours per week). However if you were to become unemployed, you would have to stop work entirely to be able to claim under our policy i.e. you will not be able to claim if you continued with your other jobs.
You will receive your policy schedule and documents within 3-5 working days of your application being received by us.

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REALM RESCUE

Policy Document - 90 days exclusion period

IPID - 90 days exclusion period

Terms of Business

Frequently Asked Questions (FAQs)

The Realm Rescue has a maximum monthly benefit of £1500 and a 90 days unemployment exclusion period.

Realm Protection Ltd Income Protection Insurance is designed to help take care of your normal monthly commitments in the event that you are off work as a result of an accident, sickness (disability) or involuntary unemployment / involuntary redundancy. Your outgoings do not stop just because your income does, that is why income protection can be important. You can select cover from the following options: Accident, Sickness & Unemployment (ASU) cover, Unemployment only (U only) or Accident and Sickness Only (AS Only) cover.
If you have an existing policy with another provider, you can apply to cancel and replace your cover to Realm Protection if you feel the policy we offer meets your demands and needs and you meet the eligibility requirements. There should be no gap between the date you cancel your old policy and the start date of your new Realm policy.
The minimum deferred or waiting period is 30 days.

Realm offers income protection insurance with a choice of three excess periods; back to day 1 cover (0 day excess) or 30 or 60 days excess. The longer the excess period chosen, the lower your monthly premiums will be. For Accident and sickness claims the insurance will start after the excess period you have selected is over. For example, if you have chosen back to day one cover (0 day excess) you will receive payment 31 days after your claim start date, backdated to your claim start date.  Likewise, if you have chosen either 30 or 60 days excess you will receive payment 31 days after your claim start date, backdated to either 30 or 60 days depending on the excess period chosen.

Claims for unemployment cannot be made within the first 90 or 120 days of the start date of your policy, depending whether you have chosen a 90 or 120 days exclusion period. After that period you can claim after the excess period you have selected, either 0, (back to day 1), 30 or 60 days has expired.
The maximum number of monthly benefit payments for our policy is 12 monthly consecutive payments in any one claim period. You are able to submit more eligible claims once you have returned to work for the re-qualification period of 3 months.
Yes as long as you meet the eligibility criteria. Just like employed people you will need to provide a copy of a sick note if you are making a claim on the accident and sickness (disability) element of cover. There are limited circumstances in which a self- employed person could make a valid claim from involuntary unemployment, please refer to the full policy wording for details.
You may be eligible to apply for Income Payment Protection Insurance; however, there are specific terms that apply for claiming unemployment benefits under the policy.

Please refer to full policy wording for details.

You will not be able to claim for any period of unemployment for which you were aware of at the start date of this policy or which occurs within the initial exclusion period. Further details can be found in the policy wording.
This would be classed as a pre-existing medical condition. You would not be able to claim for a pre-existing medical condition if you have seen or arranged to see a doctor during the 12 months immediately prior to the start date of your policy. This exclusion is waived if you have been free from its symptoms, and have not consulted any doctor nor received any treatment for or in connection with the condition for a two-year period prior to your claim.
Yes as long as there is radiological evidence of medical abnormality, visible wound, contusion confirmed by a doctor, or a consultant certifies that the condition solely prevents you from working.
Yes as long as a consultant psychiatrist certifies that the condition solely prevents you from working.
You must give notice of a claim by telephoning the administrator on 01285 626020. Please note that for all unemployment claims you will be required to show evidence that you are actively seeking work.  As evidence you will be required to provide at least 10 job applications per month during the claim period.  Failure to do so may result in you not receiving your monthly benefit under this policy.  This will apply irrespective of whether you are registered as available for work at a Job Centre Plus or The Department of Health and Social Security in Northern Ireland.
No, the minimum period for which you can claim is 30 days.
This insurance is underwritten by Tokio Marine Kiln Syndicates Limited. Registered Office: 20 Fenchurch Street, London, EC3M 3BY. Tokio Marine Kiln Syndicates Limited are authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and Financial Conduct Authority, with the firm reference number 204909.
Yes, the monthly benefit chosen must not exceed £1500 or 65% of your normal gross monthly income.

There are some things that you are not covered for. These are generally anything you already knew about when applying for the policy or anything that is caused by deliberate or illegal acts on your part, ie;

Any sickness, condition or injury whether diagnosed or not about which you knew or should reasonably have known at the policy start date or had seen or arranged to see a doctor during the 12 months prior to the policy start date.

Full details can be found in the policy details page. You must read through this document to ensure the policy is suitable for you.

The policy is reviewed on an annual basis, however your premiums are paid monthly. Thirty (30) days before the policy has been in force for a year, and annually thereafter, we will write to you advising you of the premium for the next 12 months and of any changes to your cover.
Yes. There is no waiver of premiums during the period of the claim. If you make a claim, premiums must be continued and these will be collected as normal by direct debit. If you cancel the premium payment, any claim being paid will cease and the insurance cover will be considered ended.
The premiums for future years will depend upon the forecasts of costs to the insurer of settling claims and changes in taxation and inflation. The Insurer will not seek to recover, in future years, the costs of any claims already paid out. Changes to your premium will not depend on your individual circumstances (except age) but on the cost of overall claims.
Yes you can and if you continue your policy with us you will be eligible for all benefits under the policy up to the age of 70. We are the first provider to offer this in the UK. If you are age 64 or above, unfortunately you will not be able to apply.
Realm Protection is covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangement is available from the FSCS.
In order to claim for unemployment insurance you need to be either in receipt of job seeker allowance or be registered with the job centre plus.
You can change your address by contacting us by email, telephone or writing to us. Please see the Contact Us section of our website for details.
No, unfortunately we do not offer joint policies
You need to contact the claims administrator as specified in your policy document. They will either send you a claims form or tell you what you need to do in order to make a claim.
You will need to cancel your policy with your existing provider. However, you should ensure that your new policy has been made active before you cancel your existing policy.
No, you cannot claim if you are notified of redundancy during the initial exclusion period.
Yes, we cover accidents/injury related claims from sports activities as long as they are not undertaken in a professional capacity.
You can update your policy details by contacting us by email, phone or writing to us. Please see the Contact Us section of our website for details.
Yes, it is possible to change your direct debit date by contacting the policy administrator on 01285 626020.
You will be able to take out a policy to cover your main employment (job for more than 16 hours per week). However if you were to become unemployed, you would have to stop work entirely to be able to claim under our policy i.e. you will not be able to claim if you continued with your other jobs.
You will receive your policy schedule and documents within 3-5 working days of your application being received by us.

Get Quote


REALM 120

Policy Document - 120 days exclusion period

IPID - 120 days exclusion period

Terms of Business

Frequently Asked Questions (FAQs)

The Realm 120 has a maximum monthly benefit of £2000 and a 120 days unemployment exclusion period.

Realm Protection Ltd Income Protection Insurance is designed to help take care of your normal monthly commitments in the event that you are off work as a result of an accident, sickness (disability) or involuntary unemployment / involuntary redundancy. Your outgoings do not stop just because your income does, that is why income protection can be important. You can select cover from the following options: Accident, Sickness & Unemployment (ASU) cover, Unemployment only (U only) or Accident and Sickness Only (AS Only) cover.
If you have an existing policy with another provider, you can apply to cancel and replace your cover to Realm Protection if you feel the policy we offer meets your demands and needs and you meet the eligibility requirements. There should be no gap between the date you cancel your old policy and the start date of your new Realm policy.
The minimum deferred or waiting period is 30 days.

Realm offers income protection insurance with a choice of three excess periods; back to day 1 cover (0 day excess) or 30 or 60 days excess. The longer the excess period chosen, the lower your monthly premiums will be. For Accident and sickness claims the insurance will start after the excess period you have selected is over. For example, if you have chosen back to day one cover (0 day excess) you will receive payment 31 days after your claim start date, backdated to your claim start date.  Likewise, if you have chosen either 30 or 60 days excess you will receive payment 31 days after your claim start date, backdated to either 30 or 60 days depending on the excess period chosen.

Claims for unemployment cannot be made within the first 90 or 120 days of the start date of your policy, depending whether you have chosen a 90 or 120 days exclusion period. After that period you can claim after the excess period you have selected, either 0, (back to day 1), 30 or 60 days has expired.
The maximum number of monthly benefit payments for our policy is 12 monthly consecutive payments in any one claim period. You are able to submit more eligible claims once you have returned to work for the re-qualification period of 3 months.
Yes as long as you meet the eligibility criteria. Just like employed people you will need to provide a copy of a sick note if you are making a claim on the accident and sickness (disability) element of cover. There are limited circumstances in which a self- employed person could make a valid claim from involuntary unemployment, please refer to the full policy wording for details.
You may be eligible to apply for Income Payment Protection Insurance; however, there are specific terms that apply for claiming unemployment benefits under the policy.

Please refer to full policy wording for details.

You will not be able to claim for any period of unemployment for which you were aware of at the start date of this policy or which occurs within the initial exclusion period. Further details can be found in the policy wording.
This would be classed as a pre-existing medical condition. You would not be able to claim for a pre-existing medical condition if you have seen or arranged to see a doctor during the 12 months immediately prior to the start date of your policy. This exclusion is waived if you have been free from its symptoms, and have not consulted any doctor nor received any treatment for or in connection with the condition for a two-year period prior to your claim.
Yes as long as there is radiological evidence of medical abnormality, visible wound, contusion confirmed by a doctor, or a consultant certifies that the condition solely prevents you from working.
Yes as long as a consultant psychiatrist certifies that the condition solely prevents you from working.
You must give notice of a claim by telephoning the administrator on 01285 626020. Please note that for all unemployment claims you will be required to show evidence that you are actively seeking work.  As evidence you will be required to provide at least 10 job applications per month during the claim period.  Failure to do so may result in you not receiving your monthly benefit under this policy.  This will apply irrespective of whether you are registered as available for work at a Job Centre Plus or The Department of Health and Social Security in Northern Ireland.
No, the minimum period for which you can claim is 30 days.
This insurance is underwritten by Tokio Marine Kiln Syndicates Limited. Registered Office: 20 Fenchurch Street, London, EC3M 3BY. Tokio Marine Kiln Syndicates Limited are authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and Financial Conduct Authority, with the firm reference number 204909.
Yes, the monthly benefit chosen must not exceed £2000 or 65% of your normal gross monthly income.

There are some things that you are not covered for. These are generally anything you already knew about when applying for the policy or anything that is caused by deliberate or illegal acts on your part, ie;

Any sickness, condition or injury whether diagnosed or not about which you knew or should reasonably have known at the policy start date or had seen or arranged to see a doctor during the 12 months prior to the policy start date.

Full details can be found in the policy details page. You must read through this document to ensure the policy is suitable for you.

The policy is reviewed on an annual basis, however your premiums are paid monthly. Thirty (30) days before the policy has been in force for a year, and annually thereafter, we will write to you advising you of the premium for the next 12 months and of any changes to your cover.
Yes. There is no waiver of premiums during the period of the claim. If you make a claim, premiums must be continued and these will be collected as normal by direct debit. If you cancel the premium payment, any claim being paid will cease and the insurance cover will be considered ended.
The premiums for future years will depend upon the forecasts of costs to the insurer of settling claims and changes in taxation and inflation. The Insurer will not seek to recover, in future years, the costs of any claims already paid out. Changes to your premium will not depend on your individual circumstances (except age) but on the cost of overall claims.
Yes you can and if you continue your policy with us you will be eligible for all benefits under the policy up to the age of 70. We are the first provider to offer this in the UK. If you are age 64 or above, unfortunately you will not be able to apply.
Realm Protection is covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangement is available from the FSCS.
In order to claim for unemployment insurance you need to be either in receipt of job seeker allowance or be registered with the job centre plus.
You can change your address by contacting us by email, telephone or writing to us. Please see the Contact Us section of our website for details.
No, unfortunately we do not offer joint policies
You need to contact the claims administrator as specified in your policy document. They will either send you a claims form or tell you what you need to do in order to make a claim.
You will need to cancel your policy with your existing provider. However, you should ensure that your new policy has been made active before you cancel your existing policy.
No, you cannot claim if you are notified of redundancy during the initial exclusion period.
Yes, we cover accidents/injury related claims from sports activities as long as they are not undertaken in a professional capacity.
You can update your policy details by contacting us by email, phone or writing to us. Please see the Contact Us section of our website for details.
Yes, it is possible to change your direct debit date by contacting the policy administrator on 01285 626020.
You will be able to take out a policy to cover your main employment (job for more than 16 hours per week). However if you were to become unemployed, you would have to stop work entirely to be able to claim under our policy i.e. you will not be able to claim if you continued with your other jobs.
You will receive your policy schedule and documents within 3-5 working days of your application being received by us.

Get Quote

Get Quote

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