*Please Note* - Insurers will not cover any forms of redundancy or unemployment




(You need to work 16 or more hours per week to qualify for Income Protection)

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Income Protection Insurance

Income Protection can help protect you and your income when you are unable to work anymore

Why Do I Need Income Protection?


Provides regular payments that replace part of your income if you’re unable to work due to illness or an accident

Pays out until you can start working again – or until you retire, die or reach the end of the policy term – whichever is sooner

Typically pays out between 50% and 65% of your income if you’re unable to work

Can be claimed as many times as you need to while the policy lasts

About Income Protection Cover UK

Our team of experts can help you save money on your Income Protection policy by comparing plans from multiple providers

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Our experts compare leading UK providers to help find you cheap no obligation quotes

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Frequently Asked Questions

Income Protection Insurance is designed to help protect you and your income when you are unable to work anymore, because of an injury you have suffered or after contracting a serious illness. Most policies pay a tax-free proportion of your income, the average being between 50-70%, and will run until you retire or after you return to work.
When applying for an Income Protection policy, your premium is calculated with a number of different factors and prices will vary based on personal circumstances. Your current health, smoking status and job role all play a part in determining how much you will pay.
With most policies you can protect up to 70% of your gross monthly earnings, and payouts you receive will be tax-free. You can choose to insure a lower percentage of your earnings, which should reduce the amount you pay in premiums each month.
Income Protection claims are paid out after a deferred period, usually between 4-52 weeks, when you take out your policy you can choose the length of your deferred period. The longer the pre-determined amount is, the lower your monthly payments will be.
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