About Cirencester Friendly
Cirencester Friendly is a mutual income protection specialist founded in 1890 and based in Cirencester, Gloucestershire. They offer a range of income protection products including short-term and long-term cover, with a particular reputation for competitive manual worker rates and flexible underwriting.
Key features
- Own occupation definition available on professional plans
- Suited occupation and any occupation alternatives
- Short and long-term policies
- Guaranteed and reviewable premium options
- Member benefits including legal helpline and health support
- Flexible for manual occupations and complex medical histories
Best for: Manual workers, those with complex occupations, and applicants who have been quoted high rates by mainstream insurers.
Pricing
Cirencester Friendly is competitive, particularly for occupations that mainstream insurers rate more highly. Their reviewable premiums start lower but can increase at review.
Pros and cons
- ✓ Specialist mutual with 130+ year history
- ✓ Strong for manual and complex occupations
- ✓ Flexible underwriting
- ✓ Good member benefits
- ✗ Less well-known than mainstream providers
- ✗ Primarily sold through financial advisers
Frequently Asked Questions
Yes — Cirencester Friendly is a well-regarded specialist, particularly for manual workers and those with occupations that mainstream insurers rate highly. Their flexible underwriting is a key advantage.