Cirencester Friendly review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Cirencester Friendly is a UK insurer with a single focus: income protection through the My Earnings Protected product, offering Up to 65% of earnings, max taxable income £80,000 a year as the benefit.
Key facts
- Best for
- UK earners who want their income protected and can pay monthly.
- Insurance types
- Income-protection (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Cover limit
- Up to 65% of earnings, max taxable income £80,000 a year (Source, checked September 26, 2026)
- Claims channels
- Phone, Email, Post, Online form (Source, checked September 26, 2026)
- Legal entity
- Cirencester Friendly Society Limited (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Official website
- cirencester-friendly.co.uk
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Cover is written by the insurer itself, insurer, and issued by Cirencester Friendly Society Limited.
- Monthly payments are available, which spreads an income protection premium across the year.
- Claims run through phone, email and post, so a claim does not have to start on the phone.
- It is regulated in the UK by the Financial Conduct Authority and the Prudential Regulation Authority, licence 109987.
Cons
- The product line is narrow: income protection is the only type listed, so life or health cover has to come from elsewhere.
- Support runs on phone, email and help centre, with no live chat or community forum listed.
- The benefit is capped at Up to 65% of earnings, max taxable income £80,000 a year, so a claim replaces a share of earnings rather than the whole salary.
Who it suits
- Salaried and self-employed workers in the UK whose income stops if they fall ill.
- People who prefer a monthly premium to a lump sum commitment, since monthly payments are available.
- Anyone comfortable with a society rather than a broker, given the cover sits with Cirencester Friendly Society Limited.
Who should look elsewhere
- Linxea, which lists life, if a savings-linked life policy is what you are after.
- Good Sam Insurance Agency, which lists auto, home and renters, if you want personal lines beyond income protection in the same place.
- Oney Préstamos ES, which lists health, life and gadget, if health or gadget cover alongside life is the priority.
How Cirencester Friendly compares
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 8.9Its listed type is life, a different product from the income protection cover Cirencester Friendly writes.
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.3
9.3 vs 8.6- 9.3 vs 9.3
9.3 vs 9.3Max Life Insurance
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6- 9.3 vs 8.4
- 9.3 vs 8.2
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Where Cirencester Friendly is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority and Prudential Regulation Authority (109987), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Cirencester Friendly actually cover?+
Its listed insurance type is income protection, sold as the My Earnings Protected product. Cover pays a share of earnings lost through illness or injury rather than a lump sum on death, and the policy is issued by Cirencester Friendly Society Limited.
How much would a claim actually pay?+
The benefit is set at Up to 65% of earnings, max taxable income £80,000 a year. That figure caps both the share of earnings the policy replaces and the earnings base it works on, so higher earners who insure the full share still receive the stated proportion rather than a fixed sum.
What will I pay, and can I pay monthly?+
Monthly payments are available, and the site's median for income protection listings is €7, with the middle spread running €2.92 to €17.30. Your earnings and the share you insure drive the price, up to the cap at Up to 65% of earnings, max taxable income £80,000 a year.
Who regulates Cirencester Friendly?+
It is regulated in the UK by the Financial Conduct Authority and the Prudential Regulation Authority, licence 109987. As an insurer, insurer, it carries the risk on its own balance sheet rather than passing it to another provider.
How do I make a claim?+
Claims run through phone, email and post. A member can therefore start a claim by phone, email, post or an online form, which suits people making a claim from home or while unwell and unable to visit in person.
How do I get help outside a claim?+
Support is offered on phone, email and help centre, so members can call, send email or use the help centre. Live chat and community forums are not among the listed channels, so phone and email are the routes to plan on for policy questions.
Who is this policy for?+
It suits adults whose earnings stop if they fall ill, and people who would rather hold income protection with the insurer, insurer, than a life policy. The cap at Up to 65% of earnings, max taxable income £80,000 a year matters most to higher earners, since the share replaced is a percentage of income.
Can I get life or health cover from the same provider?+
The listed type is income protection, so life and health cover are not part of this listing. For a life policy, Linxea lists life, and for health and gadget cover alongside life, Oney Préstamos ES lists health, life and gadget.
Sources
- cirencester-friendly.co.uk checked September 26, 2026
Backs: Provider type, Headquarters, Insurance types, Legal entity, Support channels, Licences
“Cirencester Friendly is a trading name of Cirencester Friendly Society Limited. Registered and incorporated under the Friendly Societies Act 1992. Reg. No. 149F.”
- cirencester-friendly.co.uk/adviser/products/my-earnings-p... checked September 26, 2026
Backs: Cover limit, Monthly payments
“The maximum that can be insured is 65% of gross taxable earnings, subject to the following upper and lower limits: A maximum taxable income of £80,000 a year. A minimum taxable income of £6,400 a...”
- cirencester-friendly.co.uk/member/how-to-claim checked September 26, 2026
Backs: Claims channels
“Please call us on 0800 587 5098 or email us at claims@cirencester-friendly.co.uk to notify us of your claim.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from.
Cirencester Friendly
UK earners who want their income protected and can pay monthly.