Income Protection UK

Protect Your Income If You Cannot Work

Income protection insurance provides a regular monthly income if you are unable to work due to illness or injury. It helps you cover essential bills such as mortgage payments, rent, utilities and daily living costs.

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Income Protection Explained

What Is Income Protection Insurance?

Income Protection Insurance provides a regular monthly income if illness or injury prevents you from working, helping you maintain your lifestyle and meet financial commitments.

Income Protection Insurance UK

Financial Support When You Need It Most

Monthly Income Replacement

Typically covers between 65% and 80% of your regular earnings.

Illness & Injury Protection

Provides financial support if you're unable to work because of sickness or injury.

Long-Term Security

Payments can continue until recovery, return to work, retirement or policy expiry.

Unlike statutory sick pay, Income Protection can provide ongoing financial support for extended periods of illness.
Income Security Plan

How Income Protection Works

Income protection ensures you continue receiving a monthly income if you are unable to work due to illness or injury.

Choose Income Protection Cover Level
1

Choose Cover Level

Select 65%–80% of your monthly income to protect based on your financial commitments.

  • Salary replacement
  • Flexible cover options
  • Budget-based planning
Income Protection Waiting Period
2

Waiting Period

Choose a deferred period (4, 8, or 13 weeks) before payments begin after you stop working.

  • Short or long deferment
  • Lower premiums for longer wait
  • Customisable plans
Monthly Income Protection Payout
3

Monthly Payout

Receive a regular tax-free income while you are unable to work due to illness or injury.

  • Monthly payments
  • Financial stability
  • Peace of mind
Income Security For Every Career Type

Who Needs Income Protection?

If your income stops due to illness or injury, income protection ensures you still receive a regular monthly payment to help cover essential expenses.

Self Employed Income Protection
Self-Employed

No employer sick pay — protect your income if you're unable to work.

Employees Sick Pay Protection
Employees

Limited sick pay benefits may not cover long-term illness.

Homeowners Income Protection
Homeowners

Ensure mortgage payments are covered during time off work.

Freelancers Income Protection
Freelancers

Protect irregular income streams from unexpected illness.

Protection Benefits

What Income Protection Covers

Income protection provides financial support if you are unable to work due to illness, injury, or long-term health conditions.

Illness Preventing Work

Financial protection if illness stops you from working.

Workplace Injuries

Support if you are injured at work or outside work.

Mental Health Conditions

Many policies include cover for stress, anxiety or depression.

Long-Term Sickness

Support during extended periods away from work.

Disability Protection

Cover if injury or disability affects your ability to earn.

Monthly Income Replacement

Regular tax-free payments while you are unable to work.

Income Protection vs Other Insurance

Income protection pays a monthly income while you are unable to work. It is different from life insurance (which pays a lump sum on death) and critical illness cover (which pays a one-off lump sum on diagnosis of a serious illness).

Real Protection Stories

Real-Life Claim Examples

Income protection helps people continue receiving a monthly income when they are unable to work due to illness or injury.

Cancer Income Protection Claim

Cancer Diagnosis

Monthly income payments helped cover household bills, mortgage costs, and treatment-related expenses during recovery.

Impact: Financial stability during treatment
Back Injury Income Protection Claim

Back Injury

Unable to perform physical work, the policy provided steady monthly income until recovery was complete.

Impact: Income replaced during recovery
Mental Health Income Protection Claim

Mental Health Leave

Extended time off work due to stress and anxiety was supported with monthly income payments.

Impact: Supported recovery without financial pressure
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Protect What Matters Most

Whether you're looking for Life Insurance , Critical Illness Cover , Income Protection , Home Insurance or Landlord Insurance , our experienced advisers compare policies from leading UK insurers to help you find the right protection at competitive prices.

Family & Financial Protection

Protect your family, income, home and future with insurance tailored to your needs.

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Frequently Asked Questions

It is insurance that replaces part of your income if you cannot work due to illness or injury.

Typically between 65% and 80% of your monthly income depending on the policy.

Standard income protection does not usually cover redundancy.

Protect Your Monthly Income Today

Speak with our advisers to find the right income protection cover for you.

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