Friendly Shield

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

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What is Friendly Shield
Key features
Choose your level
Your questions answered
Next steps

What is Friendly Shield?

Friendly Shield provides short-term essential protection against unexpected accidents, plus the option to cover sickness, too.

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.

Award Winning Cover!

Friendly Shield won Highly Commended in the Best New Product/Enhancement category at the Protection Review Awards 2024!
This award celebrates our commitment to innovation and enhancing protection cover for your clients.

Protection Review Awards 2024:

Best New Product / Enhancement (Highly Commended)

New pricing. Same peace of mind.

We’ve refined Friendly Shield’s pricing to make protection even more accessible.

We’ve updated Friendly Shield’s pricing – now featuring a fixed age-based pricing that locks in at the point of purchase. This means your clients pay a price based on the age they are when they take out cover for at least 5 years.

Here’s what’s changed:

Fairer, risk-based pricing: with lower premiums for younger lives
Pricing locks in at purchase age: so, your clients won’t pay more each year
Still offering full cover: all tiers (Bronze, Silver, Gold) are still available for 18-60 year olds

Find out more about the new pricing and get a quote today.

Key features of Friendly Shield

For clients aged 18-60. Your client can choose from 3 levels of cover from just 33p a day.

Hospital cash: a cash benefit of £50 per night for any covered accidents (and sickness if selected) 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 (and sickness if selected).
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 and a wellbeing hub which includes confidential support for personal and work issues.
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.

Policy Summary

Policy Conditions

Choose your client's level

	Bronze	Silver	Gold
Income benefit - for up to 3 months	£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)	£3,000 60 nights	£9,000 180 nights	£18,000 360 nights
Accidental death	£45,000	£85,000	£85,000
Natural death	£2,500
Additional sickness benefit	Adds income benefit and hospital cash cover for sickness
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

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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 and Friendly GP+

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

This means you always have easy access to a doctor when you need their help.

Find out more about Friendly GP and Friendly GP+.

Friendly GP

Friendly GP access is included immediately for members and their families (living at the same address) with the following policies:

If the GP decides your condition requires further investigation or treatment, they can issue an open private referral letter to enable you to access the health care you need.

You can conveniently book an appointment with a practising GP at a day and time that suits you. You can book digitally via The Friendly GP web app, or via the 24/7 telephone help

Appointments are available 24/7. You can book either a telephone or video consultation and choose whether to speak with a male or female doctor.

Should the GP feel you would benefit from prescription medication, the medication can be delivered to you at any UK address or to a nominated pharmacy of your choice. You will need to cover the costs of prescriptions.

The GP can also issue fit notes if necessary. You will need to cover the costs of the medication and delivery fees.

Aches and Pains helpline. Physiotherapists help restore movement and function in patients that have been affected by injury, illness or disability. They will do this by delivering personalised exercise plans and supporting you to be able to safely and independently complete a home exercise programme with verbal prompts and guidance.

Available from 8am – 8pm Monday Friday (excluding bank holidays)

Friendly GP+ (policies opened after 22 October 2024)

Free Friendly GP+ access is included for members and their families (living at the same address) immediately with the following policies:

Provides information and guidance on legal matters such as consumer rights, property, landlord/tenant, family and motoring law.

Support with advice for managers who are assisting their teams through any difficulties.

Guidance with money matters, including managing creditors, budgeting and debt management plans.

Provides information on a wide range of mental health and wellbeing related topics such as sleep, diet or exercise so you can start to improve your day to day life.

The Wellbeing Hub is a confidential and secure online resource available 24 hours a day to help you look after your mental health. With access to monthly newsletters, insightful articles and short videos, there are lots of ideas on ways to improve your day to day wellbeing.

How our members rate Friendly GP+

Our Friendly GP+ service provides your client with peace of mind that they can access a GP for themselves and their family at any time, day or night.

Our members have rated the service:

Overall satisfaction

100%

for the overall experience they received as excellent, very good or good.

GP helpline star rating

100%

rated the helpline as 5 stars or 4 stars.

Data taken from reviews between January and May 2024.

Your questions answered

To apply your client needs to be:

Aged between 18 and 60 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.

If sickness benefit is included, pre-existing medical conditions won't be covered under income benefit until an 18 month symptom-free period has passed.

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

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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

Work with us

0333 014 6244

Monday to Friday / 8am - 6pm

Important Information

Your client won’t be covered for unemployment.
Every 5 years we will review your client’s premium and could change the cost of their cover.
To be covered, accidents have to result in an impact injury
Sickness Cover add-on: Pre-existing medical conditions won't be covered under income benefit until an 18 month symptom-free period has passed. The hospital benefit starts after holding the policy for 9 months.

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