About Us

About Income Protection UK

You are in safe hands
With Income Protection UK, you can be sure that you, your family and the protection of your income, are in safe hands. We believe that we offer simply the best Short Term Income Protection available in the UK.

first class income protection insurance customer service

We will never call you
No salesman will ever call you or try to pressure you – we don’t have any. It is your choice either to go ahead with your purchase of the Income Protection cover that we provide or not. We do not share your details with anyone else other than our chosen provider and they will not share your details with anyone else either. We will not try to sell any other products to you such as car insurance or house insurance or any kind of investments. All we offer is simply the best Short Term Income Protection cover available in the UK today.
 
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All we offer is simply the best Short Term Income Protection cover available in the UK today.

You are free to choose
We do not offer advice with regard to the suitability of any products that we offer for your particular purposes, we leave it to you to choose the level of cover you need based upon your own particular circumstances. We can answer any questions that you have about our products and the features and benefits and explain to you, in simple terms, exactly what each one does. It is just how it applies to your own particular circumstances that we are unable to cover.

If you have questions please contact us.

If you feel that you need advice with regard to your own particular circumstances and not just about the product features and benefits, we can arrange for an Independent Financial Adviser to contact you directly. If you do ask us to get an Independent Financial Adviser to contact you, the Adviser will be able to advise you on a whole range of products and not just those from us.

Insert link to form to be emailed to admin@dms4stir.co.uk and JSM
Please ask an Independent Financial Adviser to contact me (without obligation).
Name: Compulsory
Email; Compulsory
Telephone: Optional

 
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Our chosen provider
Our chosen provider has been providing Short Term Income Protection cover exclusively through Financial Advisers for over 20 years. It is one of the longest standing Short Term Income Protection providers in the UK. In order to keep overheads and therefore costs down they, and we, operate a virtually paperless system online.

Why Income Protection UK and DMS?

  • Claims always come first and DMS put claims payment at the very heart of their business.
  • During 2014 DMS approved 91.92% of all claims and during the whole of 2015, that figure rose to 95.45%. This is, as far as we are aware, the highest in the market sector.
  • DMS has first class administration with telephone support for policyholders available 7 days per week, from 9am to 8pm on weekdays and 9am to 4pm at weekends on 0800 302 9203.
  • DMS has a range of features and benefits on its policies which are far in excess of those offered by any other provider that we have found.
  • Not only does DMS have extensive cover, the premiums are also extremely competitive. In this respect, we invite you to find another product at the same price with the same level of benefits. If you do find one, please let us know, because we can’t.
  • Directors and partners of the companies have been in Insurance, Financial Services & e-commerce for a combined total of almost 100 years and their knowledge, products and the innovation behind them makes them market leading.

As we said at the very top of this page, with Income Protection UK, you can be sure that you, your family and the protection of your income, are in safe hands and that you will have simply the best Short Term Income Protection cover available in the UK today.
 
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Why you should choose DMS to provide your peace of mind
Established in 1995, DMS is a market leader in Short Term Income Replacement, pioneering extensive development of the product and still offering unmatched quality of cover, administration and claims service. The following are just some of the reasons you should choose DMS to provide your cover:

    • DMS offers Short Term Income Replacement Home Guard for Employed Clients.
    • DMS offers Short Term Income Replacement Business Guard for Clients running their own business, whether they are trading as Self Employed or as Controlling Directors of their own private limited company.
    • DMS starts claim validation as soon as your application is received.
    • DMS fully underwrites every application in detail, nothing is left until a claim arises – maybe years later. If DMS is not certain they will be able to pay the claim, they will not take the premium.
    • DMS’ easily understood policy documentation sets out clearly what is covered and what is not.
    • DMS publishes that it approves a higher percentage of claims than any other provider of Short Term Income Protection.
    • Stress and Back pain accounts for over 50% of all claims. DMS pays stress/anxiety claims for up to 3 months before requiring you to have been referred by your GP to a Consultant Psychiatrist.

    DMS pays back pain claims for up to 3 months before requiring you to have been referred by your GP to a Specialist Consultant.
    • Cover descriptions are very specific, cover is provided against Illness, Injury, Involuntary Redundancy or Business Closure.
    • Benefits are payable for up to 6/12 months (your choice) in respect of any one claim, but with no limit on the number of claims you can make.
    • Your premium does not increase because you make a claim.
    • DMS will still invite annual renewal if you make a claim.
    • DMS will invite renewal every year until you are age 65.
    • You can cancel the cover at any time.
    • Illness/Injury claims are payable if you are unable to work at just your own occupation.
    • illness/Injury claims of up to 125% of your regular monthly expenses are paid even if you are receiving full pay from work.
    • In 2014 DMS approved 91.92% of all claims notified by Clients, then in 2015 improved this still further to 95.45%.
    • From outset, DMS designed Business Guard for Clients running their own business.

You design your own cover package:

Choice 1 – cover for:
• Illness or Injury cover
• Involuntary Redundancy or Business Closure
• Illness, Injury, Involuntary Redundancy or Business Closure

Choice 2 – first monthly benefit payable on:
• day 31, from day 1
• day 61, from day 31
• day 91, from day 61

Choice 3 – length of time the benefit is to be paid:
• up to 6 months
• up to 12 months
 
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