Friendly Shield

Unique new protection for your clients – simple, affordable and quick

0331 014 6296

What is Friendly Shield?

Friendly Shield provides short-term essential protection against unexpected accidents.

It is designed to provide a number of valuable protection benefits including an income benefit, fracture cover, hospitalisation benefit and both natural and accidental death benefit, plus a rehabilitation benefit to help your clients get back to work sooner following an accident. 

Friendly Shield is simpler than other protection products on the market. It’s quick to apply for and quick to benefit from.

Key features of Friendly Shield

For clients aged 18-50. Your client can choose from 3 levels of cover from just 33p a day - bronze £10, silver £17 and gold £24.

  • Hospital cash: a cash benefit of £50 per night for any covered accidents for up to 360 days.

  • Fracture cover: a lump sum benefit for fractures of bones up to £3,000.

  • Income benefit: short term accident only income protection up to £2,250 per month for up to 3 months.

  • Accidental death benefit: a lump sum payable on accidental death up to £85,000.

  • Natural death benefit: a lump sum payable on any cause of death of £2,500 after a 2-year qualifying period.

  • Friendly GP: 24/7 access to a virtual GP for the whole family as standard.

  • Rehabilitation benefit: a payment of up to £1,000 providing access to private facilities covering physical therapies i.e. acupuncture, physiotherapy, osteopathy and chiropractic treatment, follow-up scans and tests and consultations.

  • Optional cover for spouse and children.

Choose Your Level

Bronze Silver Gold
Premium £10 £17 £24
Income benefit £750 £1,500 £2,250
Fracture cover £1,000 £2,000 £3,000
Hospital cash (£50 per night) - maximum overnight stays in any policy year) 60 days 180 days 360 days
Accidental death £45,000 £85,000 £85,000
Natural death £2,500
Rehabilitation benefit Up to £1,000 in any policy year for all levels
Friendly GP for the whole family Included as part of core cover from policy opening
Access to a Private GP any time day or night

Friendly Shield in action

  • Simon has a gold Friendly Shield policy. He is a self-employed painter and decorator.
  • He is in a car crash and spends 3 weeks in hospital.
    Friendly Shield pays £1,050 in hospital benefit.
  • He has broken 3 ribs, his arm and knee.
    Friendly Shield pays £3,000 in fracture cover.
  • He is unable to work for 2 months due to his injuries.
    Friendly Shield pays £4,500 in income benefit.
  • He needs to see a GP as his pain medication gives him heartburn.
    Friendly Shield provides 24/7 access to a GP.
  • He needs physiotherapy to help his knee recover.
    Friendly Shield pays £1,000 in rehabilitation benefit.
  • Friendly Shield pays Simon £9,550 during his two months of recovery and provides GP access.

Free access to Friendly GP

Our virtual GP service, Friendly GP, is a free added benefit to your clients’ policy which can be accessed over the phone or online 24 hours a day, 7 days a week.

This means your clients always have easy access to a doctor when they need help.

  • 24/7 unlimited GP telephone consultations
  • Video consultations
  • Private prescriptions
  • Open referrals

Your questions answered

To apply your client needs to be:

  • Aged between 18 and 50 when the policy starts
  • Working and living in the UK (this doesn’t include the Channel Islands or the Isle of Man)
  • Working at least 16 hours a week
  • Able to pay for the policy from a UK bank account
  • Registered with a UK doctor with access to at least the last 2 years of their medical records

No, we won’t ask any medical or health related questions, which makes the application quick and simple, and acceptance is guaranteed regardless of medical history. 

The different types of benefit have different waiting periods. Please see the Policy Conditions or Policy Summary for more details.

Yes, your client can claim more than one benefit at a time. For example a leg fracture might necessitate an emergency hospital visit, qualify for fracture benefit and result in a claim because they cannot work for more than 14 days. 

We cover a wide list of occupations but there are some we aren’t able to offer cover for.

To find out if we’ll be able to cover your client’s job, you can use our online quote tool if you have a login or give us a call on 0333 014 6244 and we can check for you.

Your client, and their family, has free access to our virtual GP service. It’s called Friendly GP and it can be accessed over the phone or online 24 hours a day, 7 days a week.

We’ll give the full details on how they can access it when they take out a policy or they can go to our Existing Members page to find out more.

Any other questions?

If there’s anything else you want to know, please give us a call on 0333 014 6244 and we’ll be happy to help.

8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes. Calls from UK landlines and mobiles cost no more than a call to a 01 or 02 number and will count towards any inclusive minutes.

Next Steps

Apply online

Applying is quick and easy. 

Choose this option if you:

  • Already have a login
  • Want to put through an online application

Apply to work with us

Get access to our quote calculators, online application forms and useful collateral.

  • Fill in an application today
  • Give our Broker Support team a call if you have any questions

0333 014 6244

Monday to Friday / 8am - 6pm

Important Information

  • Your client won’t be covered for unemployment or for sickness.
  • To be covered, accidents have to result in an impact injury.
  • Every 5 years we will review your client’s premium and could change the cost of their cover.
Work with us