Discover the Benefits of Accident and Sickness Insurance

Complete our Swift 30-second form to acquire a tailor-made Income Protection Insurance Quote

Effortlessly compare quotes and discover the cover that perfectly aligns with your individual needs.

Securing Your Livelihood

Unforeseen events like accidents or sickness can disrupt your income, which highlights the importance of safeguarding your family’s financial stability. Income Protection Accident and Sickness Insurance is a vital resource that can provide financial assistance for your loved ones in case of unforeseen circumstances.


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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.

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.


We offer personalised accident and sickness insurance coverage from the entire UK market. Comprehensive cover offers a tax-free monthly benefit to help you with expenses like mortgage/rent payments and household bills, ensuring the safety of you and your family.


Cover is an insurance provider that offers coverage to part-time, full-time, and self-employed individuals. We provide protection for your income, home, and family. Our team conducts a comprehensive comparison of the entire UK market, helping you save both time and money.


Additionally, our specialised advisors cater to high-income earners. You can secure up to 70% of your gross monthly income with this inclusive coverage.


Our UK-based team offers unbiased financial advice and complimentary quotes from genuine experts to guide you through the process.



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 be typically 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 for 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.