all you need to know

Here at Fidelity Life we’re all about protecting your way of life. 

Our aim is to ensure your cover and our service levels aren't impacted due to the global coronavirus (Covid-19) pandemic. 

We’re following the current official advice from the Ministry of Health: with continued vigilance the chance of widespread community outbreak is expected to remain low.

We’ve reviewed our business continuity plans, and work continues to ensure our people are safe and we keep our business operating. Our teams are now working from home and observing social distancing and self-isolation protocols. 

It’s a fast-evolving situation and things can change quickly. Check back here regularly for updates on our response and any impacts on you and your policy.

Are you covered for coronavirus?

None of our current policies have an exclusion for Covid-19. This means as an existing customer your coverage isn’t impacted by Covid-19.

Here’s some general information for each main cover type:

Life Cover

Provided you meet the terms and conditions of your policy, you’ll be able to make a claim.

Trauma / Trauma Multi Cover

While Covid-19 isn’t listed as a specified condition, some policies may provide cover if you have ongoing complications resulting from Covid-19. If, as a result of Covid-19, you meet the  terms and conditions of your policy you’ll be able to claim.

Income Protection Cover

You’ll only be able to claim if you’re medically certified as unfit to work, for example if you’ve contracted Covid-19 and are not well enough to work, and otherwise meet the terms and conditions of your policy.

You won’t be able to claim if you’re put in quarantine, for example, or unable to attend your place of work, or can’t work because you’re looking after someone else who has contracted Covid-19.

Total and Permanent Disability Cover

The definition of ‘totally disabled’ will be specific to the type of TPD cover you have but can include: unable to ever do your own occupation, or any occupation; or unable to complete activities of daily living.

In general, if as a result of Covid-19 you meet the TPD definition and the terms and conditions of your policy, you’ll be able to claim.

If you need help understanding the terms and conditions of your policy please get in touch with your adviser or contact us on 0800 203 750 or – we’re here to help.

Other updates

  • I’m currently receiving an income protection claim benefit – how will I be affected?

  • Investment-linked policies

  • Applications for redundancy cover no longer being accepted

  • Other new applications or adding cover to an existing policy

  • Concerned about paying premiums?

  • Planning to visit our offices?

  • More info about coronavirus

More questions?

If you can’t find the general info you’re looking for on this page then please email your question to and we’ll take it into account as we add more content to this page over time.

We’ve put plans in place to ensure our usual high standards of customer service continue, even if the situation worsens. If you have any questions at all about your policy please get in touch with your adviser or contact us on 0800 203 750 or – we’re here to help.


Keeping you up to date

If you’d like to be kept up to date on the latest Covid-19 developments, as well as other Fidelity Life news, please complete the following form.