1733903888O:8:"stdClass":39:{s:2:"id";i:37;s:12:"product_name";s:14:"Income Bee 120";s:13:"policy_prefix";s:9:"IB120AIL/";s:13:"policy_serial";s:5:"65660";s:7:"insurer";s:19:"Astrenska Insurance";s:11:"insurer_crm";s:19:"Astrenska Insurance";s:23:"inital_exclusion_period";s:8:"120 days";s:14:"benifit_period";s:2:"12";s:20:"benifit_amount_limit";d:2000;s:18:"benifit_percentage";d:50;s:16:"special_benifits";N;s:14:"product_status";i:1;s:12:"keyfacts_doc";s:25:"IncomeBee_120_AS_IPID.pdf";s:19:"policy_wordings_doc";s:35:"IncomeBee_120_AS_Policy_Wording.pdf";s:21:"intial_disclosure_doc";s:14:"Best_IDD_4.pdf";s:20:"your_policy_doc_text";N;s:19:"buy_with_confidence";s:127:"Best Insurance supports new measures being introduced by the industry to increase levels of security for internet transactions.";s:12:"instructions";s:517:"Please pay Close Brothers Ltd t/a Close Premium Finance Direct Debits from the account detailed in this Instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this Instruction may remain with Close Brothers Ltd t/a Close Premium Finance and, if so, details will be passed electronically to my bank/building society.
Banks and Building Societies may not accept Direct Debit Instructions for some types of account.
";s:16:"self_decleration";s:807:" I declare to the best of my knowledge and belief, that the statements made, are true and complete and recorded accurately in this application. I understand that if I do not give all requested information truthfully and accurately and this information affects your decision to insure me, it will mean that you will end my policy immediately or you will not pay me any benefit. I confirm that I have reviewed the declaration statements, Policy Wording and Insurance Product Information Document. For your own benefit and protection you should read these documents carefully. If you don't understand any point, please contact us for further information. The documents above contain important information relating to the policy that you are about to purchase and on which we will rely in the event of a claim. ";s:10:"disclaimer";s:3264:"You are only eligible to receive benefits under this policy provided you meet certain conditions. It is therefore essential that you satisfy yourself that the following conditions apply to you:
- I am aged over 18 and under 64. I appreciate that cover will automatically terminate when I reach the age of 65 and that any benefit payable under the policy will terminate when I reach age 65 if it has not terminated before that date.
- I permanently reside and work within England, Scotland, Wales or Northern Ireland.
- I am actively working in paid employment for more than 16 hours per week and, should I become unemployed am eligible to register as unemployed with the Job Centre and will be eligible to receive Job Seekers Allowance.
- My work is not temporary, casual, seasonal, irregular, a period of training/apprenticeship or for a specific task.
- I must be in work, actively working and continuously employed for at least 6 months prior to the policy start date with the same employer; with no absence, due to accident, sickness, illness or disease, for a period greater than 1 week (5 consecutive working days) in prior to the policy start date.
- I am not currently off work, working reduced hours or on restricted duties due to accident or sickness.
- I am aware that I must continue to pay my premiums on time.
- I am not aware of any pre-existing condition, illness, disease or injury that may cause me to make a claim under this policy, unless I have disclosed these to us and we have confirmed in writing that we have accepted these conditions and will offer me cover;
- I am aware that if the sum insured under this policy and any other similar insurance policies I may be able to claim on must not exceed 50% of my normal income or the maximum benefit amount allowed within this policy, whichever is lower and if I exceed this limit my benefit will be reduced.
- I am aware of the following pandemic exclusion for the sickness part of the cover:
Covid-19 & Pandemic exclusions
This policy does not cover any claim caused directly or indirectly by or resulting from:
a) Coronavirus disease (COVID-19);
b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
c) any mutation or variation of SARS-CoV-2;
d) any fear or threat of a), b) or c) above;
e) any other pandemic.
- I am not aware of any situation that may lead to me giving up my work to become a full-time carer.
- I do not undertake any of the following occupations, either paid or unpaid.
• Armed Forces Personnel
• Military Reserve Force
• Handling explosives
• Merchant Navy
• Royal Naval Reserves
• Divers
• Underground Miners
• Oil Rig Workers
• Professional or Semi-Professional Sports Persons
• Nightclub Security Personnel or Bodyguards
• Equestrian Professions
• Police Officers
• Police Community Support Officers
• Special Constables
• Fire-fighters
• Reserve or retained Fire-fighters
• Pilots
Important Notes
Remember you are responsible for the answers given on your application.
";s:13:"product_info1";s:121:"Based on the details furnished by you, we offer insurance underwritten by certain underwriter’s at Astrenska Insurance.";s:13:"product_info2";s:1035:"Our Short-Term Income Protection insurance products are deemed to meet the demands and needs of those seeking an indemnity against losses arising because of your involuntary Accident & Sickness.
We cannot advise you on the suitability of this insurance for your circumstances. As with any insurance, it does not cover all situations. Please read the terms and conditions of this policy to make sure it meets your specific needs.
You declare to the best of your knowledge and belief, that the statements made, are true and complete and recorded accurately in this application. You understand that if you do not give all requested information truthfully and accurately and this information affects our decision to insure you, it will mean that we may end your policy immediately or we will not pay you any benefit. You confirm that you have reviewed the declaration statements, Policy Wording and Insurance Product Information Document. For your own benefit and protection, you should read these documents carefully.
";s:16:"bankdetails_text";s:786:"You have opted to pay your insurance premium/s by monthly Direct Debit.
Please read the following notes before completing the Direct Debit Instruction form.
I confirm that:
I am the account holder
This account does not need more than one signature to authorise this direct debit
This is not a business account
I confirm that my average monthly income less average monthly expenditure exceeds the monthly instalment amount
If you cannot confirm the above, please choose one of the options from Need Help?
The details of your Direct Debit Instruction will be sent to you within 3 working days or no later than 7 working days before the first collection.
The company name which will appear on your bank statement against the Direct Debit will be Best Risk Management.";s:15:"trade_logo_link";s:16:"IncomeBee120.jpg";s:8:"pdf_logo";s:20:"IncomeBee120_pdf.jpg";s:20:"pdf_underwritten_txt";s:116:"Arranged and Administered by Best Risk Management & Financial Service Ltd & Underwritten by Astrenska Insurance Ltd.";s:13:"originator_no";s:6:"807324";s:12:"order_number";i:0;s:9:"is_active";i:1;s:10:"created_at";N;s:10:"updated_at";N;s:13:"about_insurer";s:537:"
This policy is underwritten by Astrenska, which is a trading name of Astrenska Insurance Ltd Reg. No. 01708613. Registered in England & Wales Registered Office Cutlers Exchange, 123 Houndsditch, London EC3A 7BU.
Astrenska Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority – registration number 202846.
Astrenska is an insurance company, working with their partners to deliver tailored insurance solutions.
";s:15:"what_is_insured";s:491:"You must check your schedule to see what cover you have selected along with the corresponding amount insured.
Subject to meeting the conditions of the wording, you are covered for:
This policy pays benefits in accordance with the policy wording for the following:
- Your monthly income up to a maximum of £2,000 or 65% of your normal gross income,whichever is the lesser.
";s:19:"what_is_not_insured";s:627:"We will not cover accident and sickness claims arising directly or indirectly from:
- Any pre-existing medical condition.
- Mental health conditions.
- Back related conditions where there is no radiological medical evidence of any abnormality or injury.
- Elective or cosmetic surgery and/or treatments.
- Use of alcohol or drugs.
- Claims arising directly or indirectly by or resulting from Coronavirus disease (Covid19) or Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); any mutation or variation of these or any other pandemic.
";s:12:"insurer_logo";s:13:"Astrenska.png";s:18:"cover_type_mapping";s:3:"Yes";s:22:"policy_flow_insurer_id";i:183;s:22:"policy_flow_product_id";i:569;s:10:"cover_type";s:2:"AS";}