Discover the Benefits of Accident and Sickness Insurance

Securing Your Livelihood


It is crucial to ensure the safety and protection of yourself and your family. Cover offers a range of insurance options that cater to everyone, including part-time or full-time workers, and self-employed individuals, to protect your income, home, and family. Accident and Sickness Protection is particularly vital since it provides income protection during unexpected situations.


Unforeseen events, such as accidents or illnesses, can disrupt your financial stability, which is why it is essential to safeguard your family’s well-being. Income Protection Accident and Sickness Insurance is a critical resource that offers financial support to your loved ones during unexpected circumstances.


We specialise in providing personalised accident and sickness insurance sourced across the entire UK market. Comprehensive plans include a tax-free monthly benefit designed to help with essential expenses such as mortgage or rent payments and household bills. This ensures the security of both you and your family. We cater to individuals in various employment statuses, including part-time, full-time, and self-employed, with a strong commitment to protecting your income, home, and family.


Secure your family’s future and protect your income in the event of illness or injury. There are plans for short-term payouts of 1/2/5 years or long-term payouts until retirement. We offer solutions tailored to your needs.


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What would you like to protect?
NB all providers will offer different monthly amounts, ranging from 50% - 70% of your gross annual income. 
The deferred period in income protection refers to the amount of time you must wait after becoming unable to work due to illness or injury before you start receiving benefit payments from your insurance policy.


By conducting a thorough comparison of the entire UK market, our team empowers you to make informed decisions that optimize both time and financial resources. Additionally, our specialised advisors cater to high-income earners, offering coverage that can secure up to 70% of your gross monthly income.


Based in the UK, we provide impartial financial guidance and offer complimentary quotes from genuine experts, ensuring a smooth and informed journey through the insurance process. Our mission is to assist you in finding the most suitable insurance coverage to safeguard your family’s financial stability.



When it comes to income protection, the variety of options you select influences the overall cost. Different insurers apply varying weights to these options. Hence, it’s crucial to define your needs and preferences to identify the most suitable Accident and Sickness policy available in the market.



This refers to the duration, in weeks or months, during which you can rely on your savings or company sick pay before initiating the income from the insurer. Opting for a longer period tends to lower the overall cost.



The payment period can typically be 12 or 24 months, or for extended policies, it can extend up to your chosen retirement age. Shorter periods generally result in lower costs.



‘Level’ entails a fixed amount of payout throughout the insurance term, irrespective of changes in your income or expenditures. Conversely, the indexed option allows for an annual increase in line with inflation, using indices like the retail price index or consumer price index. Some insurers may offer the choice to decline this increase on an annual basis.



If premiums are guaranteed, your payments remain constant throughout the policy term unless you choose to increase the desired income amount. Some policies adhere to this, ensuring consistent monthly payments. Others follow a guaranteed rate table, where the price per £1 is guaranteed to rise each year, calculable through the provided rate table.



These can also be known as Escalating Premiums as the monthly cost will increase each year as you age. These increases are more significant between the ages of 50-60 due to the risk of your health deteriorating being much larger.



Non-guaranteed premiums may fluctuate annually based on age or changes in health. While reviewable policies often begin with lower initial costs, they could potentially become more expensive over time.



Choosing Waiver of Premium means that once you start receiving income from the insurance policy, premiums are no longer required until you return to work or reach your selected payout period.



This option allows you to receive a percentage of your income if, upon returning to work, the illness or injury you claimed limits your duties and results in lower earnings. Some insurers may even provide a top-up if you transition to a different occupation with a lower income.