Income protection insurance - get quotes

Why Income Protection Insurance?

You're much more likely to be off work sick than you are to pass away before retirement
If you're off work sick or injured, income protection means you still can pay bills and provide for your loved ones
While state benefits change with government policy, income protection is a contract and a promise

Why expert advice makes the difference

Meeting spending obligations minus an income isn't easy so income protection really can make the difference
Even if your budget's tight we'll help you identify the cover that fits your needs
Being unable to earn is less of a worry when your wages are protected

Watch our Income Protection Cover video

Frequently asked questions about this type of policy

What is Income Protection?

Income protection insurance can provide an income if you’re unable to work through sickness or injury - covering your essential outgoings.

You’re more likely to be off work sick or with an injury than you are to pass away before retirement. Whilst you may receive sick pay from your employer, not everybody does and some people overestimate how much they get. Income protection can provide that financial safety net.

How long does Income Protection pay out for?

Income protection policies can be divided into two general types: short-term and long-term. A short-term policy, as its name implies, only gives you an income for a present limited time, such as six or 12 months. Long-term policies pay you for as long as the policy allows, which might be right through to your retirement or a longer set period, such as 40 years.

Can self-employed people get Income Protection?

Of course. income protection insurance is available to self-employed, primary carers, part-time workers, contractors and more; our expert advisers can provide you with a tailored quote.

Even if you have some difficulty proving your income, there are plenty of options available.

What is the average cost of Income Protection?

Like most insurance products, the cost of income protection differs from person to person. Monthly premiums will be calculated based on a number of factors including: your age, your marital status, whether you smoke or have previously smoked, your lifestyle (such as whether you have any high-risk hobbies like extreme sports), your job and your health. It will also depend on how much cover you choose to take out, and the deferral period you decide on.

What does Income Protection cover you for?

Income protection covers you for most illnesses that leave you unable to work: stress-related illnesses, back conditions, cancer or a serious heart condition. The focus is on not being able to work, as opposed to the illness or injury you’ve sustained.

You won’t be covered for pre-existing and chronic conditions that you knew about before taking out your policy, alcohol or drug misuse, criminal acts, cosmetic surgery or redundancy.