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Beard Insurance

The UK’s only beard insurance

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Have you ever thought how your ego would cope if the worst were to happen to your beard? At SunLife, we understand you’re attached to your beard, which is why we’ve teamed up with Hirsute and Proud to offer the UK’s only Beard Insurance. From just £3 a month, you can have the reassurance of knowing that if you were to lose your beard, you wouldn’t lose face.

Affordable protection for your best feature

Beard Insurance is open to any whiskered UK resident aged 18 or over. Never fear your beard getting brutally sheared or burnt at the barbie again. At SunLife, we make protecting your beard against malicious and accidental damage more straightfordable than it’s never been before.

  • No medical whatsoever — just answer a few lifestyle questions about your questionable lifestyle.
  • Choose how long you want beard cover for — cover will depend on the length of your beard when you apply. The term you choose must end by the time your beard reaches 50cm.
  • Or choose a monthly — from just £3 a month. Unlike your beard, your premium is fixed at the start and will never grow.
  • Choose extra cover — protect your moustache, goatee, sideburns or man bun for just a few pounds more.
  • The UK’s only beard insurance
  • Open to all whiskered UK residents aged 18+
  • Fixed premiums — unlike your beard, your premiums will never grow
  • Malicious and accidental damage protection - at home and abroad
  • FREE beard warmer to welcome you

* Exclusions apply. Beards over 50cm will not be accepted and we reserve the right to refuse unkempt beards.

Please remember, sporting a beard carries risk. Your beard may grow more or less than your great grandfather’s and bushiness cannot be guaranteed. If you shave for any reason, your cover will end and you’ll lose all credibility.

Watch our video to see why Beard Insurance is so important.

This page contains information on how Beard Insurance works. As it does not contain advice, you need to be satisfied Beard Insurance meets your needs. If you are unsure and need advice, please visit www.unbearded.org to find an Independent Facial Hair Adviser in your area - you may have to pay for the facial hair advice provided.

Frequently asked questions

My moustache joins my beard. Is this covered too?

As long your moustache and beard form one continuous ring of facial hair, it is covered by Beard Insurance.

I’m thinking of having my beard coloured, would I still be eligible for cover?

As long as you have a beard and it remains within this policy’s maximum length limits, it will be covered regardless of what ridiculous colour you decide to dye it.

I’ve recently retired from my career as a bearded lady. Am I eligible for cover?

As long as you have a beard and it remains within this policy’s maximum length, it will be covered regardless of your employment status. Please be aware that if you were to shave your beard off for any reason, your cover will end and your beard may never grow back.

I’m a wizard. Is my beard covered against spells and explosions?

This would depend on the nature of the spells and explosions. Facial hair damage caused by reckless, wanton or downright unpleasant magic making would not be covered.

I only have a wispy chin curtain. Does this count as a ‘beard’?

As long as the hair clearly clears the chin, it will be covered regardless of its relative insignificance.

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife? 

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is entered on the Financial Services Register (registration no. 110418). As part of SunLife’s commitment to quality service and security, telephone calls may be recorded.

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by Phoenix Life Limited, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.