Mark - have a good read of the Policy facts document which should be a very clearly set out summary of cover of what they will pay and for how long etc. plus any conditions / exclusions. There is every chance it will do what you say, but for that premium I would expect a time limit / cap on the payout for loss of earnings. This is the company he works for - Personal Insurance | Hoyl Insurance Ltd They are a broker so I am interested who is underwriting the policy (i.e. making the payments in the event of a claim) Try and post up images of the documents etc. you get - its an important subject and good you and a few others are considering it (Jesus get me out of work mode its 11 at night!)
