Accident and Sickness Insurance | Compare UK Top UK Insurers
Protect Your Income with Accident & Sickness Insurance
Accident & Sickness Insurance – also known as Income Protection Insurance – pays you a monthly tax-free income if illness or injury stops you working. It’s a fast, flexible, and affordable way to protect your earnings while you recover.
Monthly Tax-Free Payouts
Receive a monthly tax-free income with Accident & Sickness Insurance (Income Protection Insurance) when illness or injury stops you working.
From Just £10/month
Affordable Accident & Sickness (Income Protection) Insurance from just £10/month – flexible plans tailored to your lifestyle and budget.
Quick & Easy Setup
Apply in minutes – Accident & Sickness / Income Protection Insurance is quick to set up with no complex paperwork or delays.
Get Your Free Accident & Sickness Quote
Complete the quick form below to see how affordable it is to protect your income.
“After surgery, I couldn’t work – but this cover paid my bills without hassle!”
– James W, Kent
Still have questions? Call us now on
📞 01702 820 002
to speak with a friendly FCA-regulated adviser.
Frequently Asked Questions
What is Accident & Sickness Insurance?
It pays a monthly tax-free income if you’re unable to work due to illness or injury, helping you cover bills while you recover.
How long will the policy pay out for?
Short-term options pay for 6–24 months. Longer-term plans can cover you until age 60 or 65, depending on the insurer.
What is a deferred period?
This is the waiting time before your payments begin. Common choices are 1, 4, 8, or 13 weeks.
Can I choose how much cover I get?
Yes. You can choose a payout based on your income — typically up to 70%.
Do I need a medical to apply?
Usually no. Most providers just ask a few health and lifestyle questions.
Is this the same as Income Protection?
It’s similar. Accident & Sickness cover is usually shorter-term and simpler to set up.
Can I get cover if I’m self-employed?
Yes, this cover is ideal if you don’t get sick pay. It’s based on recent income or agreed benefit.
Will my premiums go up over time?
Some policies have fixed premiums. Others may increase with age or reviews.
Can I cancel the policy at any time?
Yes — you’re free to cancel at any time without penalty.
How do I make a claim?
Contact us or your insurer. You’ll need medical proof like a GP note or hospital summary.
Fracture Cover Benefit
Get a tax-free lump sum if you break a bone, dislocate a joint, or tear a tendon.
Life Insurance Cover
Protect your loved ones with a lump sum payout if you pass away.
Over 50s Insurance
Guaranteed acceptance for UK residents aged 50–80 with no medical checks.
