Income protection, for the bills that don’t stop.
If you’re unable to work due to illness or injury, income protection keeps your finances steady. It’s a simple way to protect your day-to-day life.
A monthly income, usually 50–70% of your earnings, if illness or injury stops you working, paid until you’re back at work or the policy ends.
Is it right for you?
Employees whose sick pay drops to Statutory Sick Pay after a few weeks
Self-employed people, contractors and sole traders
Anyone without six months of savings set aside
How it works
You pick a monthly benefit and a waiting period, the deferred period. If you’re signed off work for longer than that period, the policy starts paying you each month until you return, retire or the term ends. You can usually claim more than once.
Getting the waiting period right
We match the deferred period to your sick pay: if your employer pays full salary for six months, your cover can start at 26 weeks, which costs much less. If you’re self-employed, a shorter wait makes more sense.
The definition that matters
The best policies pay if you can’t do your own job, not just any job. We’ll show you the definition each insurer uses, because it makes a big difference at claim time.
The choices, explained.
There’s no single right answer. These are the decisions we’ll go through with you, so you understand exactly what you’re buying.
Full-term cover
Pays until you recover, retire or the policy ends, however many claims you make.
Short-term cover
Pays for up to one, two or five years per claim, at a lower monthly cost.
Deferred period
Choose 4, 8, 13, 26 or 52 weeks before payments start, matched to your sick pay and savings.
Own occupation
Pays if you can’t do your own job. The strongest definition, and the one we look for first.
Dan, 29, electrician
Dan is self-employed, so if he can’t work he doesn’t get paid. A back injury could stop him for months.
We arranged full-term income protection with a four-week deferred period and an own-occupation definition, paying a monthly benefit that covers his rent, van finance and bills.
An illustration of how this cover can work, not a real client. Your own recommendation will depend on your circumstances.
Income protection: your questions.
Can’t see yours? Call us, we’re happy to talk it through.
All FAQsIsn’t Statutory Sick Pay enough?
Statutory Sick Pay is a little over £100 a week and lasts up to 28 weeks. For most households that’s a fraction of what goes out each month.
How much can I cover?
Typically 50–70% of your gross earnings. Insurers cap the benefit so you’re not better off on a claim than at work.
Can I claim more than once?
Yes, on most policies. Once you’re back at work, the cover stays in place for any future claim.
Ready to talk it through?
No call centres, no scripts. Just a real person who’ll listen, explain your options in plain English and help you decide.