UMBRELLA PROTECTION LTD, trading name and hereafter referred to as ‘Umbrella’ provides a subscription service, Umbrella Cover. This service allows our members to access products and services (Member Benefits) in exchange for weekly/monthly/annual payment agreed to by the client and Umbrella.

These Terms of Use govern your use of our service. As used in these Terms of Use, “Umbrella Cover service”, “our service” or “the service” means the products & services provided by Umbrella for discovering and accessing Umbrella content, including all features and functionalities, our websites, and user interfaces, as well as all content and software associated with our service. References to ‘you’ in these Terms of Use indicate the member who created the Umbrella account and whose payment method is charged.

1) Membership
1.1. Your Umbrella membership will continue until terminated. To use the Umbrella Cover service, you must have Internet access and provide us with one or more Payment Methods. “Payment Method” means a current, valid, accepted method of payment, as may be updated from time to time, and which may include payment through your account with a third party. Unless you cancel your membership before your billing date, you authorize us to charge the membership fee for the next billing cycle to your Payment Method (see “Cancellation” policy).

1.2. We may offer a number of membership plans, including memberships offered by third parties in conjunction with the provision of their own products and services. Some membership plans may have differing conditions and limitations, which will be disclosed at your sign-up or in other communications made available to you. You can find specific details regarding your Umbrella membership by visiting the umbrellacover.me website.

1.3 Membership of Umbrella Cover is only available to those people under the age of 65, working and licensed to work in the UK Private Security Industry through the Security Industry Authority (SIA). Certain services, like the Personal Accident Policy offered through Pulse, are only valid for work conducted within the United Kingdom.

1.4 We may from time to time offer special promotional offers, plans or memberships (“Offers”). Offer eligibility is determined by Umbrella at its sole discretion and we reserve the right to revoke an Offer and put your account on hold in the event that we determine you are not eligible. Members of households with an existing or recent Umbrella membership may not be eligible for certain introductory Offers. We may use information such as device ID, method of payment or an account email address used with an existing or recent Umbrella membership to determine Offer eligibility. The eligibility requirements and other limitations and conditions will be disclosed when you sign-up for the Offer or in other communications made available to you.

2) Billing and Cancellation
2.1. Billing Cycle. The membership fee for Umbrella will be charged to your Payment Method on the same date every month you initiated your membership. The length of your billing cycle will depend on the type of subscription that you choose when you signed up for the service. In some cases your payment date may change, for example if your Payment Method has not successfully settled, when you change your subscription plan or if your paid membership began on a day not contained in a given month. If you signed up for Umbrella using your account with a third party as a Payment Method, you can find the billing information about your Umbrella membership by visiting your account with the applicable third party.

2.2 To use the Umbrella Cover services you must provide one or more Payment Methods. You authorise us to charge any Payment Method associated to your account in case your primary Payment Method is declined or no longer available to us for payment of your subscription fee. You remain responsible for any uncollected amounts. If a payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and you do not cancel your account, we may suspend your access to the service until we have successfully charged a valid Payment Method. For some Payment Methods, the issuer may charge you certain fees, such as foreign transaction fees or other fees relating to the processing of your Payment Method. Local tax charges may vary depending on the Payment Method used. Check with your Payment Method service provider for details.

2.3 You can update your Payment Methods by going to the ” My Account” page. We may also update your Payment Methods using information provided by the payment service providers. Following any update, you authorize us to continue to charge the applicable Payment Method(s).

2.4.You can cancel your Umbrella membership at any time, and you will continue to have access to the Umbrella Cover service through the end of your billing period. Payments are non-refundable and we do not provide refunds or credits for any partial membership periods or unused Umbrella content. To cancel, go to the ” My Account” page and follow the instructions for cancellation. If you cancel your membership, your account will automatically close at the end of your current billing period. To see when your account will close, click “Subscriptions” on the “My Account” page. If you signed up for Umbrella using your account with a third party/employer as a Payment Method and wish to cancel your Umbrella membership, you may need to do so through such third party, for example by visiting your account with the applicable third party and turning off auto-renew, or unsubscribing from the Umbrella Cover service through that third party.

2.5. We may change our subscription plans and the price of our service from time to time; however, any price changes or changes to your subscription plans will apply no earlier than 30 days following notice to you. If you do not wish to accept the price change or change to your subscription plan, you can cancel your subscription before the change takes effect.

  1. You agree that you are only eligible for Umbrella Cover products and services as a paying member. In the instance that you cancel, or fail to pay within 15 days of arranged date – you forfeit any and all access and benefit.
  2. You agree that you at the voluntary termination of your Umbrella Cover account you lose access to member benefits. You are able to cancel at any time.
  3. You agree that it is the right of UMBRELLA PROTECTION LTD to cancel for any reason, at any time, your cover. In the event of cancellation, a refund for that billing period will be issued.

To access our full Cancellation Policy, please see here

3) Umbrella Cover Service
3.1. As stated in 1.3, Membership of Umbrella Cover is only available to those people under the age of 65, working and licensed to work in the UK Private Security Industry through the Security Industry Authority (SIA). Certain services, like the Personal Accident Policy offered through Pulse, are only valid for work conducted within the United Kingdom.

3.2. The Umbrella Cover service and any content accessed through the service are for your personal and non-commercial use only and may not be shared with individuals beyond your household unless otherwise allowed by your subscription plan. During your Umbrella Cover membership we grant you a limited, non-exclusive, non-transferable right to access the Umbrella Cover service and Umbrella content. Except for the foregoing, no right, title or interest shall be transferred to you.

3.3 The Umbrella Cover service, namely our library of Member Benefits, are regularly updated. In addition, we continually test various aspects of our service, including our websites, user interfaces and promotional features.

3.4. Except as explicitly authorized by us, you agree not to:

(i) archive, reproduce, distribute, modify, display, perform, publish, license, create derivative works from, offer for sale, or use content and information contained on or obtained from or through the Umbrella Cover service;

(ii) circumvent, remove, alter, deactivate, degrade, block, obscure or thwart any of the content protections or other elements of the Umbrella Cover service, including the graphical user interface, any advertising or advertising features, copyright notices, and trademarks;

(iii) use any robot, spider, scraper or other automated means to access the Umbrella Cover service;

(iv) decompile, reverse engineer or disassemble any software or other products or processes accessible through the Umbrella Cover service;

(v) insert any code or product or manipulate the content of the Umbrella Cover service in any way;

(vi) use any data mining, data gathering or extraction method;

(vii) upload, post, e-mail or otherwise send or transmit any material designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment associated with the Umbrella Cover service, including any software viruses or any other computer code, files or programs

We may terminate or restrict your use of our service if you violate these Terms of Use or are engaged in illegal or fraudulent use of the service.

4) Passwords and Account Access. 

Your password is for your personal use only and should be kept confidential. If you allow others to access the account, you agree that such individuals are acting on your behalf and that you are bound by any changes that they may make to the account, including but not limited to changes to the subscription plan. To help maintain control over the account and to prevent any unauthorized users from accessing the account, you should maintain control over the devices that are used to access the service and not reveal the password or details of the Payment Method associated with the account to anyone. You agree to provide and maintain accurate information relating to your account, including a valid email address so we can send you account related notices. We can terminate your account or place your account on hold in order to protect you, Umbrella or our partners from identity theft or other fraudulent activity.

5) Miscellaneous

5.1. Customer Support. To find more information about our service and its features or if you need assistance with your account, please visit the Umbrella Help Centre, which is accessible through the umbrellacover.me website or email us at admin@umbrellacover.me  

5.2. Survival. If any provision or provisions of these Terms of Use shall be held to be invalid, illegal, or unenforceable, the validity, legality and enforceability of the remaining provisions shall remain in full force and effect.

5.3. Changes to Terms of Use. Umbrella may, from time to time, change these Terms of Use. We will notify you at least 30 days before such changes apply to you. If you do not wish to accept the changes, you can cancel your subscription before they take effect.

5.4. Electronic Communications. We will send you information relating to your account (e.g. payment authorizations, invoices, changes in password or Payment Method, confirmation messages, notices) in electronic form only, for example via emails to your email address provided during registration.

6) Individual Personal Accident Insurance Policy  

6.1. Your Individual Personal Accident Insurance policy (Personal Accident Policy, or PA policy for short) is underwritten by Canopius Syndicate 4444 and Travelers Syndicate 5000 which are registered in England and Wales. They are authorised and regulated by both the Prudential Regulation Authority & Financial Conduct Authority.

6.2. Of your monthly member fee the contribution towards this PA policy is £3.72, and goes to the issuers of the PA policy, our partners at Pulse Insurance.

6.3 It is administered by our partners Howden. Howden take a small commission from this £3.72 payment.

6.4. This policy is exclusive to Umbrella Cover members, irremovable, and a pre-requisite of Umbrella Cover membership.

6.5 Details on how to claim can be found here

6.6 This Policy is held by you, the personal details that cover is bound under must be without error and entirely correct. Mistakes made in application may result in partial service or even termination of membership.

Individual Membership

£ 9
  • Payouts of up to £100,000
  • For Accidental Death, Disablement, Fractures, Burns and more...
  • Health & Well-Being, Legal Advice, Tax Services

Family Membership

£ 14
  • Everything in Individual Membership
  • For you, your partner and your children
  • Greater peace of mind

Individual Membership


Family Membership