Cirencester Friendly

Cirencester Friendly: income protection from a member-owned mutual

Cirencester Friendly is a mutual organisation that provides income protection cover. It pays members a regular income if they are unable to work because of illness or injury. The society states that it has over 135 years' experience providing income protection and support, and that it has supported members since 1890. As a mutual, it is owned by and run for its members and has no shareholders to pay, which it says allows it to reinvest directly into the business to improve its products and services.

Products and added-value benefits

The society's product range, as listed on its site, includes My Earnings Protected, Income Assured and Enhanced. Alongside these core income protection products, it offers a set of added-value benefits: Gp24, Children's Critical Illness Support, Friendly Voice and 125 Foundation. The site also has a Member Perks section. For advisers, it provides tools and documents, underwriting information, a latest campaign area and details on adviser earnings.

Claims and service performance

Cirencester Friendly reports that over the last 10 years it has paid an average of 94% of claims. It also cites Office for National Statistics data from 2022 estimating that 149.3 million working days were lost because of sickness or injury in the UK in 2021, equivalent to 4.6 days per worker, as context for the need for income protection.

On service, the society is a member of the Institute of Customer Service, which it describes as the UK's independent professional customer service body. In 2025 it achieved a Business Benchmark score of 87.1 with its financial advisers and 89.8 with its members, which it says is above average compared with the insurance sector, based on the Insurance UK Customer Satisfaction Index score of 79.7 (January 2026). In 2024 it also achieved a ServiceMark with Distinction accreditation from the Institute of Customer Service.

Governance and corporate information

The site sets out corporate governance information, including an overview, board members, useful documents, annual reports and accounts, and awards. Cirencester Friendly is a trading name of Cirencester Friendly Society Limited, registered and incorporated under the Friendly Societies Act 1992 with registration number 149F. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 109987.

Member and adviser resources

For members, the site provides a three-step guide to claiming, additional support information, useful documents and a glossary. There are also member case studies and news. For advisers, the resources include product information, tools and documents, underwriting and campaign details. The society also publishes a careers section with current opportunities.

Awards and recognition

The awards page lists recognition spanning 2012 to 2026, including 5 Star and 4 Star Awards, numerous Commended and Highly Commended mentions, Winner entries, a Silver Accreditation in 2020 and a Gold Accreditation in 2023.

Location and contact

Cirencester Friendly is based at Mutuality House, The Mallards, South Cerney, Gloucestershire GL7 5TQ.