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Bills & Things Income Protection

Short Term Accident and Sickness Cover

'Bills & Things' from Exeter Family Friendly is a basic Income Protection policy for UK residents aged between 16 and 59 and are in in active paid employment (must be resident in the UK for at least 3 years).

Most occupations are covered - even manual and physical jobs such as a plumber or a scaffolder ( see exclusions below).

If you are looking for a policy that would pay out for a long term illness or disability then look at our Long Term Protection Quotes.

The policy will cover you if you are unable to work as a result of injury or illness but you must be in active paid employment at the time of any claim. It does not payout for unemployment or redundancy.

For Unemployment Products click here

You choose the monthly benefit of between £500 and £1000 per month.

You also choose how long you want the benefit to last either up to 1 year or 2 years for any one claim but please note that the policy carries on after you return to work.

Limitations & Exclusions

  • You can only claim for a maximum period of up to 1 or 2 years for any individual claim
  • Bills & Things includes a waiting period of 4 weeks which means that if you have an illness or injury which lasts for less than 4 weeks, your benefit will not be paid.
  • Certain injuries or illnesses that you have previously suffered from MAY be excluded from your policy
  • Injuries resulting from certain sports and hobbies MAY be excluded


Excluded Occupations from this type of Policy

  • Armed forces personnel
  • Divers
  • Underground miners
  • Oil rig workers
  • Professional sports persons
  • Nightclub security personnel
  • Police officers
  • Fire fighters
  • Pilots & Flight crew (excluding flight attendants)
  • Certain equestrian professions, for example riding instructors
  • Money brokers/stock brokers

Individual consideration will be given to applications from offshore fishermen and trawlermen. We do, however, offer a range of products from other providers who will cover many of the above excluded occupations. Please phone us or complete this Enquiry Form.