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How Cirencester Friendly income protection works
Cirencester Friendly offer income protection that replaces a proportion of your income if you’re unable to work due to illness or injury. Their products are available through independent financial advisers and are particularly well suited to those in occupations that mainstream providers find difficult to cover.
Own-occupation definition
Cirencester Friendly offer an own-occupation definition on their income protection, meaning a claim is assessed against your ability to do your specific job, not just any job. This is the gold standard definition and particularly important for the self-employed and those in skilled or manual occupations.
Monthly benefit paid during a valid claim
If you’re unable to work due to illness or injury, Cirencester Friendly pay your agreed monthly benefit after the deferred period. The benefit continues until you return to work, reach the end of the policy term, or the policy expires.
Flexible deferred periods
Choose a deferred period to suit your financial situation. A longer deferred period reduces the premium. Useful if you have savings to cover a short-term absence from work.
Waiver of premium
Waiver of premium means your premiums are waived during a valid claim, keeping your policy in force when you need it most.
Wellbeing support included
Cirencester Friendly include added-value wellbeing support with their income protection policies, giving policyholders access to health and wellbeing services without needing to make a claim.
Founded
1890
Structure
Mutual
Based in
Cirencester, Glos
Specialist in
Income protection
Wide occupation acceptance, including manual roles
One of Cirencester Friendly’s key strengths is their willingness to consider a wide range of occupations, including many manual and specialist roles that mainstream providers may decline or rate heavily. This makes them a particularly valuable option for clients in trades, construction, agriculture, healthcare and other hands-on professions.
Trades & construction
Builders, electricians, plumbers, carpenters and other tradespeople often find specialist mutuals more accommodating than mainstream providers.
Self-employed & contractors
No employer sick pay means income protection is critical. Cirencester Friendly understand variable income and self-employed working patterns.
Healthcare & care workers
Those in physically demanding healthcare and care roles may find Cirencester Friendly more willing to offer cover than some mainstream providers.
Agriculture & outdoor roles
Farmers, groundskeepers and those in outdoor or agricultural roles are among the occupations Cirencester Friendly are known to consider.
Cirencester Friendly for the self-employed
Cirencester Friendly’s income protection is well suited to the self-employed, contractors and freelancers. The own-occupation definition means a claim is assessed against your ability to do your specific job, not just any job. Their wide occupation acceptance makes them particularly valuable for self-employed individuals in trades, construction and other manual roles.
If you’re self-employed, income protection is arguably your most important financial protection, there’s no employer sick pay to fall back on. Cirencester Friendly is one of several specialist providers we compare for self-employed clients, alongside The Exeter, Holloway Friendly and British Friendly.
Over 130 years of mutual heritage
Cirencester Friendly was founded in 1890 and is based in Cirencester, Gloucestershire. As a mutual insurer, it is owned by its members rather than external shareholders, meaning profits are reinvested for the benefit of policyholders rather than paid out as dividends. This member-focused structure is a hallmark of the friendly society tradition in UK financial services.
Cirencester Friendly Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
1890
Year founded
Mutual
Member-owned
Cirencester
Gloucestershire HQ
Why use an independent adviser for Cirencester Friendly?
Cirencester Friendly is a specialist provider, and knowing when they’re the right fit is exactly where independent advice adds value. As an adviser, That’s Family Finance can compare Cirencester Friendly against The Exeter, Holloway Friendly, British Friendly, Royal London and LV= before making a recommendation.
Our advice is free of charge at the point of advice. We are paid by commission from the insurer if you proceed, which we will always disclose clearly.
Other specialist income protection providers
We compare Cirencester Friendly against all of these and more.
The Exeter Income Protection Explained
Specialist mutual with strong own-occupation income protection, particularly for the self-employed.
Holloway Friendly Income Protection Explained
Unique income protection with a built-in savings element, money back if you don’t claim.
British Friendly Income Protection Explained
Flexible income protection including the Breathing Space product with pause and reduce options.
Royal London Protection Explained
A fellow mutual insurer with strong income protection and the Helping Hand added-value service.
Get Independent Income Protection Advice
Not sure which provider is right for you? Send us an enquiry for an honest view.
Protection advice, available across the UK
That’s Family Finance provides protection advice to families and individuals across England, Scotland, Wales and Northern Ireland. Whether you’re in London, Manchester, Birmingham, Leeds, Bristol, Sheffield, Edinburgh, Cardiff, Glasgow, Essex or anywhere in between, we work with you remotely or in person to find the right cover for your circumstances.
We advise on Cirencester Friendly alongside other protection providers, including The Exeter, Holloway Friendly, British Friendly, Royal London, LV= and Legal & General.
We are not Cirencester Friendly.
In a manual occupation or been declined elsewhere?
Send us an enquiry or reach us on WhatsApp for an honest, no-obligation view on whether Cirencester Friendly is right for you.
Not tied to Cirencester Friendly
Common questions
Questions we’re asked about Cirencester Friendly.
Cirencester Friendly’s added-value services are provided by third parties and are not part of the core insurance contract. They may be amended or withdrawn at any time. Always refer to Cirencester Friendly’s own policy documentation for the most current details, including full product terms and conditions.
We are not Cirencester Friendly. This page contains information about Cirencester Friendly’s products based on their published materials at the time of writing. Cirencester Friendly Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Talk it through with us
Tell us what you have in mind and we will come back to you, usually the same day. We are open Monday to Saturday, 9am to 8pm.