Income protection insurer Exeter Family Friendly has released its claims statistics for 2012.

The mutual provider paid 95% of claims received.

The most common category of claim was injuries and accidents, including fractures.

Chief executive Andy Chapman said: “We design all products with one primary purpose, to pay claims. So I’m delighted to see that we continue to perform against this promise.”

The statistics for 2012 include a new list of categories to show the reason for claim, focused more on the cause rather than the impact or condition.

Chapman said: “One of the main reasons consumers use for not buying IP is a belief that it ‘wont happen to them.’ Sadly, our statistics tell a different story; over 40% of claims resulted from injuries of external cause; which can happen to anyone at any time; no matter how healthy they are.”

The most common cause for non-payment of claims was non-disclosure followed closely by claimants still being able to work in their own occupation.