What isn't covered?

SafeGuard covers you for inability to work arising from most types of illness or accidental injury¹. However, in common with other Income Protection policies, there are naturally a few exclusions.

We will not provide cover for incapacity due to, or arising from:

• War risks
• Misuse of alcohol or drugs
• HIV / AIDS - unless you work in the medical profession and you have contracted the disease through your work.

Further Details

¹ Some types of illness or injury are not covered

This is a summary. Full details of standard cover and exclusions can be found in the Policy Wording. Non-standard terms may apply. Applications are required. Calls may be monitored and/or recorded.