Mutual income protection insurer Exeter Family Friendly has revealed that 94% of all claims received were paid during 2014.

Injuries and accidents were the top cause of claim, accounting for 36%, followed by back & spinal problems (14%) and other musculoskeletal problems (excluding back) next with 13%.

Simon Philp (pictured), director of distribution and marketing, said: “In 2014 we continued to deliver against our promise, with 94% of all claims paid. Our statistics again show that despite what some may think, often ill health is simply as a result of bad luck – 36% of claims were made as a result of injury or accident.”

34% of declines came as a result of claimants still being able to work in their own occupation, followed by 29% of declines where the claimant had suffered no loss in income. Non-disclosure and breach of contract accounted for 8% of declined claims.

Philp added: “We know that there is more to engaging consumers than simply publishing a number, which is why we develop an infographic to highlight the key statistics behind our claims performance. We need consumers not only to believe in our industry, but to appreciate what great all round cover income protection can be.”