Save Money On Income Protection Insurance!

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When would you need to start receiving your income after an accident or illness?

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Save Money On Income Protection Insurance

Protect your home, family and lifestyle

Cover up to 70% of your monthly gross income

Protect your income against accident and critical illness

We'll compare market leading insurers to save time & money

Same day cover available from £0.69p per day

Your future self will thank you, get cover today

Income Protection

A monthly payment should you become ill or injured and can't work.

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Get the cover you need

Compare quotes from leading UK insurers that protect you, your family and your future.

Mortgage Protection

A monthly payment towards your mortgage if your sick and can't work.

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Life Cover

Pays a cash lump sum upon death

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Serious Illness Cover

Pays a cash lump sum if you become  ill with a specified conditions.

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Why protect your income?

If you’re unable to work due to an illness, redundancy or accident, income protection insurance can help cover your outgoings. Removing the worry about paying the bills if things go wrong, income protection insurance enables you to focus on recovery or finding a new job.

We'll help you compare the UK leading insurers.

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Tell me more about Income Protection

If you’re unable to work due to an illness, redundancy or accident, income protection insurance will cover your outgoings. Removing the worry about paying the bills if things go wrong, income protection insurance enables you to focus on recovery and finding a new job.

Sometimes referred to as ‘IPI’, income protection insurance provides you with a tax-free salary during a specified length of time when you can’t work. This might be because of sickness or following an accident, but most premiums enable you to choose cover that suits your lifestyle and circumstances.

For instance, you may simply need short-term insurance which typically provides cover between six and 12 months, while longer term policies will cover you in the event of being unable to work ever again.

How does income protection insurance work?

Choose your cover wisely, and income protection insurance can be a vital lifeline that reflects your situation and needs. Of course, well help compare the best deals.

Just like car and home insurance, the cost of IPI policies differ depending on certain factors such as the length of time you’ve been in employment, the industry in which you work, your residential status and whether or not you’re a smoker.

The general rule of thumb is the lower the amount you’re covered for, the lower you’ll pay each month.

When comparing IPI policies, you’ll probably be asked to choose between sickness and accident protection only, unemployment protection or a fully comprehensive policy which covers both.

If you ever have to claim, it’s important to remember that there might be a period of time before the initial payment is made, which can vary from one month up to a whole year. Check your policy details to find out how long you’d have to wait until that cover kicks in, because you’ll obviously need to cover the bills until then.


Income Protection Insurance FAQs

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With cover starting from 69p per day, keep your finances stable while you recover from an accident or critical illness.

The benefits of income protection insurance

If you don’t have IPI, you’ll need to rely on some other form of interim pay. Options include occupational sick pay schemes, Statutory Sick Pay or disability benefits, but not every employer will offer these.

If you decide to take out an IPI policy, you’ll enjoy the following benefits:

  • knowledge you’ll be able to pay all household bills and council tax if you can’t work;

  • additional mortgage payment protection;

  • payment protection for any loans you might have;

  • no worries about maintaining your standard of living;

  • guaranteed income while you get better or search for a new job;

  • no need to dip into your savings; and

  • up to 70% of your monthly salary still paid into your bank account (gross).

How to buy income protection insurance

It pays to start with a comparison of the available income protection insurance providers, which will enable you to find a policy that best suits your circumstance and type of job.

You’ll be asked a series of questions when comparing quotes, such as what you’d like to protect (for instance, your mortgage, loan payments and any other outgoings), and how long you’d like the policy to run for.

Most insurers will also need to know your gross income and any benefits you receive as an employee along with potential health questions, which will be asked by the advisor.

Our selected partners can offer income protection insurance quotes from the best range of insurers, and provide impartial advice on which one will best suit your needs.

By submitting this form you agree to be contacted by an FCA Regulated Insurance Broker to confirm your details and provide a full quotation based on additional questions about your circumstances.

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