Get Protected

Get Protected: life and serious illness insurance with telephone advice

Get Protected is a registered trading name of Vero Cover Limited, a company domiciled in Gibraltar. Its activity focuses on marketing term life insurance and serious illness cover for UK residents, with a model that prioritises speaking with an adviser over exclusively online purchase.

The company reports a rating of 4.9 out of 5 on Trustpilot, where customers highlight the clarity of the advisers and the usefulness of the process. The site includes testimonials that mention specific agents by name and emphasise the detailed explanation of the available options.

Products and cover

Get Protected's catalogue is built around two main products:

• Term life insurance: cover for a specified term. If the insured person dies within that period, the policy pays a lump sum to the beneficiaries, intended to cover mortgages, loans or other financial obligations.
• Serious illness cover: payment of a lump sum if the insured person is diagnosed with a serious illness included in the policy definition during the term purchased. It is designed to meet medical costs, loss of income or other financial strains.

Term life cover can reach up to £1,000,000, while serious illness cover reaches up to £500,000. The amount granted depends on age, individual circumstances and medical underwriting. Policies are available to people aged between 18 and 79, resident in the UK and with a UK bank account.

Additional policy benefits

The policy includes a series of complementary advantages that the company details on its website:

• Up to £25,000 for a child's serious illness, without affecting the main serious illness cover.
• Possibility of nominating up to ten beneficiaries at the time of purchase, which can be changed later by written notice.
• Advance payment of up to £10,000 from the claim amount to help the family cover funeral costs promptly, even if probate is delayed.

Included medical services: SquareHealth

Get Protected's policy includes access to medical services provided by more than 5,000 UK healthcare professionals, including doctors and specialists. These services, managed by partner Square Health, can be used from anywhere in the world via a smartphone or tablet.

Purchase process and advice

The purchase begins with a short form to request a free, no-obligation quote. The customer then has a conversation with a member of the team. The company justifies this telephone approach by the complexity of life insurance compared with other types of insurance, especially when health and lifestyle are involved. It notes that the sums insured are high and that accuracy of information is essential for the family to be properly protected. Calls are recorded for training and monitoring purposes.

Things to consider

The website warns that inflation may reduce the value of the benefit amount, that stopping monthly payments means receiving nothing in return and that the product is not a savings or investment instrument and has no cash value unless a valid claim is made. The customer chooses the duration of the policy; once it ends, cover stops and nothing will be paid out in the event of death.

The company cites data from the Association of British Insurers (ABI) according to which 98% of life insurance claims were paid in 2021. It states that the main reason for denial is lack of truthfulness in the application.

Corporate structure and regulation

Get Protected is a registered trading name of Vero Cover Limited, with its registered office at Suite 3, Second Floor, Icom House, 1/5 Irish Town, Gibraltar, GX11 1AA. Vero Cover Limited (Financial Services Register reference 689977) is an Appointed Representative of Smarter Cover Limited, which is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services Register under reference 556053.

The policy is administered and underwritten by iptiQ Life S.A. UK Branch. iptiQ Life S.A. is a public limited company (société anonyme) incorporated and registered in Luxembourg, authorised and regulated by the Commissariat aux Assurances, with registered office at 2, rue Edward Steichen, L-2540 Luxembourg. Its UK branch is registered in England and Wales under registration number BR017015 with registered office at 30 St Mary Axe, London EC3A 8EP; it is a UK branch of an overseas firm authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.

Referral programme

The company offers a £50 Amazon or One4all gift card to anyone who refers a person who takes out a policy, once that person has made three consecutive monthly payments and their policy is still active.