Keep up with household outgoings
A monthly benefit can help with regular commitments such as your mortgage or rent, utilities and other essential bills while you are unable to work.
Over 10,000 families protected*
Protect your income
If illness or injury stops you working, income protection can replace up to 70% of your gross income — so you can focus on getting better, not paying the bills.
Over 10,000 families protected*
What is
income protection?
Income protection can provide regular payments if illness or injury leaves you unable to work. It is designed to replace part of your income while you recover, subject to the policy terms.
- Benefit levels are based on a portion of your eligible earnings
- Payments start after an agreed waiting period
- Short-term and long-term payment periods are available
- Covered illnesses, injuries and incapacity definitions vary by policy
Why is income protection important?
Income protection can help keep your finances on track if illness or injury leaves you unable to work.
Support beyond sick pay
Cover can be especially relevant if your employer provides limited sick pay, or if you are self-employed and do not have an employer's sick-pay scheme to rely on.
Protect your savings
Replacing part of your income may reduce the amount you need to take from savings while you recover, helping preserve the financial buffer you have built up.
Focus on your recovery
Support with everyday costs can reduce financial pressure, giving you more space to focus on your health and returning to work when you are ready.
What does income protection cover?
Understanding exactly what your policy covers helps you make an informed decision about your financial protection.
What's Usually Covered?
- Loss of income due to illness or injury
- Mental health conditions
- Back and musculoskeletal problems
- Accidents and unexpected injuries
- Long-term disability preventing work
- Physical conditions affecting ability to work
What's Not Covered?
- Pre-existing medical conditions in most cases
- Self-inflicted injuries
- Redundancy or unemployment
- Criminal activities leading to inability to work
- Cosmetic procedures and elective surgery
- Drug or alcohol-related conditions
How does income protection work?
Choose policy options that fit your earnings, existing support and how long you could manage before payments begin.
Monthly benefit
Income protection pays an agreed portion of eligible earnings in monthly instalments. The maximum benefit and how earnings are assessed depend on the insurer and policy terms.
Deferred period
This is the waiting time between becoming unable to work and payments starting. Available periods vary, and a longer wait will usually reduce the premium.
Benefit period
Short-term policies pay for a set claim period, while longer-term policies may pay until you return to work, retire or reach the policy end date, subject to the policy terms.
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Three steps towards
financial peace of mind
Fill in the form
Answer a few straightforward questions about you and the cover you’re looking for, then submit your details.
Talk to us
A member of our team will call to discuss your needs and explain the available options.
Review your options
Review the policy details carefully and decide whether the cover is right for you. We’re here if you have questions.
Income Protection FAQs
Everything you need to know about income protection.
How much of my income can income protection cover?
Policies can cover up to 70% of your gross income rather than your full income. The maximum benefit, benefit cap and treatment of other income vary by insurer and are confirmed during underwriting.
What is a deferred period?
The deferred period is the time between becoming unable to work and benefit payments starting. You can often choose from several waiting periods to match your savings or employer sick pay, with longer periods usually costing less.
How long can income protection payments last?
A short-term policy pays for a fixed claim period, while longer-term cover may continue until you return to work, retire or reach the policy end date. Payment remains subject to ongoing eligibility and the policy terms.
Does income protection cover redundancy?
Standard income protection covers inability to work because of illness or injury, not redundancy or unemployment. Any separate unemployment cover would have its own terms and exclusions.
Can self-employed people get income protection?
Self-employed people can apply for income protection. Insurers usually assess provable earnings and may use accounts or tax records to calculate the available benefit, subject to underwriting and policy terms.
Still have questions? Our team is here to help.