IncomeCare Quote

We need a few details to get your quote.

Your Monthly Benefit £

£1800 max

Deferred Period

Occupation Class

Your D.O.B

Your Postcode

	Monthly Benefit	You are free to select the amount of monthly benefit you require, but this should not be more than £1,800 or 60% of your gross monthly earned income, whichever is the lesser.
	Deferment Period	When you take out an Income Care policy you must choose the claim deferment period you require – either 30 or 90 days. This means that benefit is not payable for the first 30 or 90 days of any period of incapacity. As soon as this claims deferment period is over, benefit will start to accrue and you will normally receive payment on a monthly basis. Benefit will continue to be paid for up to 12 months, or until you are once again fit to resume work, whichever is the sooner. Please note that the deferment period is 90 days for all periods of disability relating to back conditions.
	Occupation Class	Let us know your Occupation Class, if you do not know this click 'View Classes' which will give some examples. If you are still not sure select 'View all Classes' to see a full list of occupations.
	D.O.B.	Please supply your date of birth.

	Telephone Us If your profession is one of the following you will need to call us for a quote.
	- Actor/Actress - Armed Forces - Entertainer	- Metal Merchant ( Scrap ) - Oil Rig Worker ( Offshore ) - Sports Coach
	Class 1 Administrative and clerical duties or occupations not involving manual labour and/or where physical effort does not form a substantial part of the role. Example : Accountant, Secretary, Solicitor, Computer Programmer, Civil Servant Class 2 Occupations involving light manual or supervisory work or travel by car (other than commuting). Example : Telesales, Car Sales, Child Minder, Florist, Shop Assistant,Waiter / Waitress Class 3 Occupations involving manual work, the use of hand held power tools or the driving of commercial vehicles (including vans). Example : Bar Staff, Carer, Decorator, Electrician, Security Guard, Warehouseman Class 4 Occupations involving intensive manual work, working with agricultural machinery or livestock, civil engineering, working with wood-working machinery (other than hand held tools) or working externally at heights above two storeys. Example : Builder, Fire Fighter, Kitchen Fitter, Road Worker, Window Cleaner
	You can find a full list of occupational classes here

IncomeCare

IncomeCare is designed to protect your monthly income if you are unable to work as a result of accident or sickness. You may choose a monthly benefit of up to £1,800, or 60% of your gross monthly salary, whichever is the lesser. The benefit will continue to be paid all the time you are unable to work (after an initial deferred period of either 30 or 90 days), to a maximum of 12 months.

To be eligible to apply for IncomeCare you must be a permanent resident of the United Kingdom (excluding Northern Ireland, the Channel Islands and the Isle of Man), aged between 18 and 54 years old, in paid employment of more than 25 hours per week and you must not be absent from work through accident or sickness.

Cover may continue to the earliest of your 65th birthday, the date you retire from your normal occupation (unless you retire as a result of injury or illness), the date you start receiving either a state retirement benefit or an occupational pension, or non-payment of the premium.

Please note that IncomeCare is issued and administered by our sister company, Universal Provident Limited, and is underwritten by Great Lakes Reinsurance (UK) PLC.

Rapidinsure.co.uk Ltd is an appointed representative of Berkeley Morgan Ltd which is authorised and regulated by the Financial Services Authority. Rapidinsure invites you to read the 'Key Facts about Rapidinsure (IDD)' document (this is in PDF format)
The FSA's Register can be accessed at www.fsa.gov.uk/register