Coronavirus and PG Mutual

Our Service

As a specialist income protection provider, we have seen the number of calls and enquiries we receive from our current and prospective members increase substantially in recent weeks. We want to thank all current and prospective members for their patience and understanding during this difficult period.

While we have closed our office temporarily to support the government’s efforts to limit travel and reduce social gatherings, we are maintaining a ‘business as usual’ service. All our staff are working from home and are able to do so for as long as this is required.

We would encourage you to email us during this time to free up our phone lines for urgent enquiries. Please email us at and a member of the team will respond as soon as they can.

As we are unable to post documents out at present we would kindly request that you ensure we have a current email address and telephone number for you, should we need to contact you regarding your policy.

If you are not yet a member of PG Mutual

We regret that as COVID-19 has been declared a pandemic by the World Health Organisation, all new applications received by PG Mutual that request a 1 month deferral or less (Nil, 7 Day, 14 Day) will have a Coronavirus exclusion added to any offer of membership made by PG Mutual.

If you have already applied before 18th March 2020, or if you have applied for a deferment period of greater than 1 month, this notice will not apply to you.

If you are already a member of PG Mutual

Our Income Protection Plus policy does not automatically exclude viruses such as COVID-19, but your eligibility to claim should you become infected is subject to your normal policy terms for claiming:

  1. You must meet the definition of incapacity that applies to your policy.
  2. Your deferment period must elapse before you become eligible to claim.
  3. You will need to provide supporting evidence of your incapacity.

If you are isolating yourself, even at the direction of your employer or the appropriate authorities, you will not be considered incapacitated.

Please note that we are currently unable to approve cover variation requests from members to reduce the deferment period on their policy to 1 month or less without a Coronavirus exclusion being applied.

Making a Claim

Should you need to claim, we ask you to use the online claim form available to you in your Member Area. This service is easy to use, and ensures we are quickly notified of your need to claim. All supporting documents should be scanned or photographed and sent to us by email at


We appreciate this is a very difficult period for many of you, so we encourage you to let us know as soon as possible if you believe you will have any difficulty keeping up to date with your membership subscriptions. We can then contact you to discuss your situation and find the most appropriate solution.

Returning Documents

We would ask you during this period to try and email documents to us, rather than use the post. While we have made arrangements to ensure we will continue to receive post from members during this period, the government are asking the public to only undertake essential journeys and reduce social interactions, so it is therefore both quicker and safer to return documents to us electronically rather than in hardcopy.