Avoid , avoid taking any claims or benefits with this company. It is a massive big fraud system made legal ! I have been overpaying the company over a year and when it came to claiming first time ever being sick or receiving sick note from a doctor and all they are focusing about me not mentioning about my hobbies and by my medical record that mentioned I was injured doing boxing, which I do for fitness and they automatically assume that doing white collar boxing is my profession with income, they will find any reasons possible just to reject your claim. You are best to put your own money aside than to trust Sheperds friendly. I do not know why they call themselves that name , it should be more like Wolves friendly, I will be taking them to court and I will advise to anyone going to similar case, not to give up and to not let them take your money.