Income Protection

Protect your income if you’re unable to work due to accident or sickness.

Why take out Income Protection?

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Family

If your family depend on your income, the loss can be severe. An income protection policy can help ensure you and your family’s income is protected. Giving you all peace of mind.

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Self Employment

If you’re self-employed, unfortunately, you won’t receive any sick pay or SSP. Income Protection can be important to ensure your income is replaced if you fall ill.

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Household Bills

Income Protection can ensure that in the event you cannot work due to illness or injury, you can still afford to pay your essential household bills. For example, mortgage/rent, utilities etc.

Cover from £4.99 per month, get a FREE quote today

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What is Income Protection?

Income Protection Insurance is a type of insurance that provides financial protection in the event that you are unable to work due to illness or injury. It is available in various forms, such as personal income protection plans, business income protection insurance, company income protection insurance, and private sick pay insurance.

As a self-employed or employed individual, Income Protection can provide you with wage protection insurance or sick pay insurance to cover loss of earnings, allowing you to maintain your household expenses while you are unable to work. This type of insurance provides peace of mind that you are financially secure in the event of an unforeseen illness or injury.

If you are looking to buy income protection, it is important to choose the best income protection policy for your specific needs. The waiting period and payout term are important factors to consider when choosing the right income protection insurance cover.

In the UK, many employers offer sick pay insurance for employees, but it is essential to understand the coverage offered by your employer’s plan, as well as the benefits and limitations of private sick pay insurance.

Personal accident and sickness insurance, self-employed illness insurance, and wage cover are all forms of Income Protection that can provide financial stability when you need it most.

Overall, Income Protection Insurance is an important tool for those who want to protect their income, especially if you are self-employed or do not have access to sick pay insurance through your employer. By selecting the right plan, you can ensure that you are financially protected in the event of an unexpected illness or injury, allowing you to focus on your recovery.

Premiums will also depend on your age, health, occupation and how much cover you need. The amount of protection you can have is based on a percentage of your income, which varies from 50% to 70%. Payments are also completely tax-free and if you are employed you can still receive your Statutory Sick Pay at £99.35 per week.

Please note, any pre existing conditions may not be covered but will be assessed on an individual basis. Some exclusions may be reviewable once you have the policy for 12 months.

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Who we work with?

Working in the care industry comes with unique challenges and risks. Caring for patients can increase the chances of contracting illnesses, or getting injured. That’s why we’re here to offer a solution. With income protection, you can receive protection for your wage in case of sickness, accidents and injuries. Our panel of top-rated insurers are here to support you. Don’t let unexpected events leave you struggling to make ends meet. Contact us today to learn how we can help!

The construction industry accounts for 2.6 million jobs in the UK. The risk of an injury in the construction industry is much higher due to the nature of the environment so it’s important to have adequate cover in place in the event of an injury or an accident. UK Income Protection specialises in protecting these higher-risk jobs, for example, heavy manual work, working at heights, skilled workers such as electricians/carpenters and many more. If you work within this industry please get in touch today and we will do our best to help get you protected with one of our top-rated insurers.

The driving industry can be considered a high-risk occupation for many. With the likes of driving instructors, taxi drivers, HGV drivers and bus drivers within this category. Due to the nature of the role, constantly being on the road with many risks, or even having an inexperienced driver at the wheel (for driving instructors), the chances of you being unable to work can be higher and the risks of you getting injured can be higher. Here at UK Income Protection, we can assist all of these occupations to get the cover they need. Working with the best 5* Defaqto rated insurers, our team will be on hand to help.

Don’t rely on your employer for full financial support during an unexpected illness or injury. Statutory sick pay of £99.35 per week may not be enough to cover your expenses. Protect your income with income protection and receive up to 70% of your wage on top of statutory sick pay. Enjoy peace of mind and financial stability during a difficult time. Contact us today to set up a policy and secure your future.

We Specialise in industry specific Income Protection.

Many people ask us “how much does income protection cost?” We always say this depends on variables such as age, health, and occupation. Due to this, we now specialise in industry-specific cases. We work particularly with people in the construction industry, the driving industry, the care industry, and the self-employed industry. If you are working within one of these industries, just know we are here to help you! If you don’t work in any of these industries though, don’t worry! We will work with anyone looking for income protection. We aim to help ensure everyone is protected if an unforeseen circumstance occurs.

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